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 - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
... [Read Article]
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1964 I-H 140 tractor with cultivators and sidedresser. Starts and runs good. Asking 2650. CALL RON AT 502-319-1952
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