I've got three houses and every one of them has wood heating - most in duplicate (wood furnace and a smaller wood stove). In all three, the wood stove in inside the house. In two the woodfurnace is down the basement, and in the third - in a room attached to the house. In addition, the house we live in full-time has - the wood furnace attached to the house, a woodstove in the living room, a Rumford wood-cooking fireplace and bakeoven in the kitchen, and a wood-cook stove in the kitchen. And, I had no trouble getting homeowner's insurance on any of them. Insurance guy came out, checked everything, photographed, etc.
So, when you say "most" don't allow - you've got me wondering who those "most" are?
All that counts is you get insurance that you need for a decent price. If, in your locality, for your house three companies say "no", and three more say "yes" - seems there's no problem.
I got refused by one company because I have two horses and a herd of goats. I got refused by another because I've got over 50 antique farm tractors stored in a distant field that you cannot see from the house and road. That's just the way it goes - they all have different rules.
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Today's Featured Article - A Cautionary Tale - by Ian Minshull. In the early 1950s my father bought an Allis Chalmers B and I used it for all the row crop work with the mangolds and potatoes, rolling and the haymaking on our farm. The farm and the Allis were sold and I have spent a lifetime working on farms throughout the country. I promised myself that one day I would own an Allis. That time event
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