Will a Wood Burning Stove Increase my Homeowners Insurance?

This is a good question that comes up rather frequently. The answer may surprise you!

No one is willing to take unnecessary risks when it comes to burning wood. Not your WE LOVE FIRE® expert, not the installers, and certainly not you, the homeowner. So, first and foremost on everyone’s mind is the safety and well-being of your loved ones and your property.

Insurance is all about risk. And you must admit that building a fire in your family room sounds a bit risky, doesn’t it? Does this risk equate to higher homeowner’s insurance rates?

Simply put, having a wood burning fireplace, stove or fireplace insert is considered a greater risk to an insurance company than a home without one. Most insurance companies will want to know what your primary heat source is, and there may be an additional charge if that answer is “wood”.

THE BENEFITS OF WOOD HEATING

We all know that the addition of wood burning equipment in your home has many advantages. One of them is saving on those monthly heating bills while keeping your family warm and cozy. The incredible radiant heat and the ambiance that a stove or fireplace creates in your home, the fact that responsible wood burning is good for our environment, and a reliable heat source during a power outage are also significant benefits of keeping your home comfortable with wood heat.

FACTORS THAT INFLUENCE INSURANCE RATES

There are various factors that will determine whether a fireplace or stove will increase your homeowner’s insurance. For example, the age and the type of equipment you’re using. Is your fireplace 100 years old or is the liner in the chimney damaged? Perhaps you’re using a fireplace insert with a stainless steel liner installed in the chimney? Is yours an untested and unlisted pot-belly stove, 12” from the wall with a culvert pipe sticking through the wall or a newer EPA certified model that meets the 2020 emissions standards with an appropriate 6” insulated chimney?

You get the picture. Insurance companies will look at the age and condition of the equipment, how it’s installed and being maintained and whether or not all clearance and code requirements are met.

VARIATIONS IN INSURANCE COSTS

Some companies may charge a flat rate for a wood burning stove or fireplace, perhaps up to a couple hundred dollars, while others may charge an additional percentage of the homeowner’s policy. These numbers will vary regionally and from company to company. In northern states where burning wood is more common, insurance providers may be more comfortable about codes and requirements. So, if a company wants to double or triple your rates for coverage, by all means shop around to find a knowledgeable agent who has your best interests in mind.

THE IMPORTANCE OF SECURITY MEASURES

According to the EPA, there are thousands of fires every year in the US and Canada. Most of these house fires relating to burning wood in fireplaces and stoves are caused by problematic chimneys. That is, chimneys where creosote has accumulated because of poor burning practices and chimneys not being regularly inspected and cleaned. Clearances to combustibles are also a leading cause of house fires with stoves. To minimize the risks:

· Respect the recommended clearance around the wood burning appliance.

· Keep flammable objects at a distance of at least three feet. This includes curtains, clothing, toys, furniture, carpet, newspapers, and kindling.

· Have your chimney inspected and cleaned regularly.

· Consider professional installation of the wood burning appliance and chimney.

Also, make sure to always have functional smoke detectors and carbon monoxide detectors placed at strategic locations in your home.

INSPECTION BY YOUR INSURANCE AGENCY

Most insurance companies will require some sort of inspection before covering your wood burner. This inspection might be done by a trained insurance agent or by a certified professional. Was the equipment installed by a professional, by a past owner or by you? The agent might want to see documentation to ensure all clearances are met.

Properly installed, operated and maintained, you can relax, tuck the kids in and all will sleep well tonight knowing that your wood burning fireplace, stove or insert is keeping your loved ones toasty warm! Rest easy knowing that your installation is safe and a reputable company has your back!

Below is a list of fireplace and grill stores that service ()

Auburn, AL

Top Hat Chimney Sweeps
1280 Financial Ct.
Auburn, AL 36830

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Elk Grove, CA

Custom Fireside Shops
9097 Elk Grove Blvd.
Elk Grove, CA 95624

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Sacramento, CA

Custom Fireside Shops
5455 Auburn Blvd.
Sacramento, CA 95841

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Durango, CO

Durango Outdoor Living
140 Rock Point Drive
Durango, CO 81301

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Durango, CO

Four Corner Stoves & Spas
3001 Main Avenue
Durango, CO 81301

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Grand Junction, CO

Stove Depot and Chimney Works
330 North Ave.
Grand Junction, CO 81501

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New London, CT

Family Hearth and Patio LLC
571 Broad Street
New London, CT 06320

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Ridgefield, CT

Yankee Doodle, Inc.
71 Ethan Allen Highway
Ridgefield, CT 06877

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Dover, DE

Byler's Stove Shoppe Inc.
1368b Rose Valley School Rd.
Dover, DE 19904

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Destin, FL

Doodlebuggers Service Network
36054 Emerald Coast Parkway
Destin, FL 32541

Bettendorf, IA

Fireplaces Plus, Inc.
1745 State Street
Bettendorf, IA 52722

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Post Falls, ID

Quality Stoves & Home Furnishings
569 N Syringa St
Post Falls, ID 83854

Rockford, IL

Advanced Chimney Systems, Inc.
3486 Lonergan Drive
Rockford, IL 61109

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Wauconda, IL

Grass Roots Energy, Inc.
28751 N Route 12
Wauconda, IL 60084

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Evansville, IN

Firemaster, Inc.
5300 E Morgan Avenue
Evansville, IN 47715

Jeffersonville, IN

Olde Towne Chimney & Fireplace Sales
915 Nachand Ln
Jeffersonville, IN 47130

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Overland Park, KS

Kansas City Fireplace Center
10470 Metcalf Avenue
Overland Park, KS 66212

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Erlanger, KY

TateBuilder's Supply, LLC
3511 Dixie Highway
Erlanger, KY 41018

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Littleton, MA

Woodstove, Fireplace and Patio Shop, Inc.
60 White Street
Littleton, MA 01460

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Seekonk, MA

The Fireplace Showcase
775 Fall River Ave
Seekonk, MA 02771

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Sudbury, MA

Woodstove, Fireplace and Patio Shop, Inc.
348 Boston Post Road
Sudbury, MA 01776

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Duluth, MN

Duluth Stove & Fireplace
2431 W Superior Street
Duluth, MN 55806

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Minneapolis, MN

Woodland Stoves & Fireplaces
2901 Franklin Ave. South
Minneapolis, MN 55406

Oakdale, MN

Energy Savers of Minnesota
6298 Highway 36 Blvd N
Oakdale, MN 55128

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Rochester, MN

Brekke Fireplace Shoppe
1904 S. Broadway
Rochester, MN 55904

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Walker, MN

Wilkening Fireplace Company
9608 State 371 NW
Walker, MN 56484

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Fargo, ND

Home Heating, Plumbing & A/C Inc.
701 28th Street South
Fargo, ND 58103

Omaha, NE

Fireplace By Design
13913 R Plaza
Omaha, NE 68137

Epping, NH

The Stove Shoppe
285, Calef Highway Rte. 125
Epping, NH 03042

Windham, NH

The Stove Shoppe
25 Indian Rock Road
Windham, NH 03087

Hamilton, NJ

Bowden's Fireside - Hearth & Home
1731 Nottingham Way
Hamilton, NJ 08619

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Voorhees, NJ

Rettinger Fireplace Systems, Inc.
476 Centennial Blvd
Voorhees, NJ 08043

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St. Henry, OH

Buschur's Refrigeration, Inc.
541 N Eastern Avenue
St. Henry, OH 45883

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Media, PA

Chimney Cricket
101 State Road
Media, PA 19063

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Rapid City, SD

Hebron Brick Company
1543 Deadwood Ave
Rapid City, SD 57709

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Sioux Falls, SD

Hebron Brick Company
2211 W. 50th Street
Sioux Falls, SD 57105-6525

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Vermillion, SD

Kalin's Indoor Comfort Inc.
710 Cottage Avenue
Vermillion, SD 57069

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Manassas, VA

Winston's Chimney Service
11301 Industrial Road
Manassas, VA 20109

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Barre, VT

Chimney Sweep Fireplace Shop
1284 US Rte, 302 Ste 10
Barre, VT 05641-2317

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Bennington, VT

Friends of The Sun
126 Hicks Avenue
Bennington, VT 05201

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Manchester, VT

Friends of The Sun
159 Depot Street
Manchester, VT 05255

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Shelburne, VT

Chimney Sweep Fireplace Shop
3113 Shelburne Road
Shelburne, VT 05482

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White River Jnct, VT

Home Comfort of New England
1255 VA Cut Off Road
White River Jnct, VT 05001

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Burlington, WI

Burlington Fireplace & Heating LLC
857 Milwaukee Ave.
Burlington, WI 53105

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Madison, WI

Top Hat
5117 Verona Rd
Madison, WI 53711

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Morgantown, WV

Rustic By Design
709 Beechurst Ave. Suite 15
Morgantown, WV 26505

Laramie, WY

High Country Stoves & Fireplaces
860 N. 3rd Street
Laramie, WY 82072


For more information, contact your local fireplace and grill store.

4 Responses

  1. cheryl elkinton
    I am purchasing a home and have a question about if I can install a wood burning stove. Does the chimney have to go straight up, or can it be installed near a window where it can go at a slant?
    • Joseph Bodden
      Cheryl, congratulations on your new home! Exciting times indeed! The chimney for most of today's wood burning stoves will have a 6" inside diameter. The outside diameter of the stainless steel pipe will be about 9". Additionally you'll need at least 2" of air space around this pipe to anything that is combustible. So figure approximately 15" of space will be required for a typical 6" stainless steel chimney system. That being said, chimney's have to go up above the roof. If necessary, a chimney can be offset by 30 degrees to avoid framing members or windows. Chimney pipe manufacturers will have an offset chart available. This chart will show the offset (and return) distance as it relates to the amount of vertical rise that's achieved by using different lengths of pipe. This is extremely helpful when planning an installation like you're describing. Bracing the chimney pipe, techniques for penetrating 2nd or 3rd floors, attics, etc. are all important considerations, too. I would encourage you to visit your closest WE LOVE FIRE Grill, BBQ & Fireplace Stores expert to discuss these details. Pictures of the inside and outside of the house where the stove and chimney will be located, and dimensions will be very helpful. An installation like this can get tricky fairly quick and having a solid game plan is important for a safe and compliant installation. Good luck and again: congratulations on your new home!
  2. Lucky Watson
    Joseph, good morning. In the state of Texas can you exit the house through a wall window? By removing the glass and installing a non-flammable material such as cement board like they typically use behind shower installation in its place. And of course meeting all requirements and specs etc. Thank you in advance for your timely response. Lucky
    • Joseph Bodden
      Hi Lucky . . . thanks for the question. I am not aware of any restrictions that prevent this type of application, but it would probably be best to check with your local building inspector. That being said, by completely removing the window and re-framing the window opening to accommodate a wall thimble for the insulated chimney pipe, the connector pipe from the stove would come off the top of the appliance and go up a few feet to a 90 degree elbow. The connector pipe would run to an adaptor that transitions to the stainless steel insulated chimney pipe. The insulated chimney pipe would go through the wall thimble to a tee that's designed with a convenient way to assist in cleaning the chimney pipe. You didn't mention if this was a single story or two story house. In a two story house, you will need to be aware not to block any windows on the second floor. Going through the soffit and installing a roof flashing (on a single or two story house) may be a bit challenging. In cold climates, it's always best to build an insulated "chase" to house the chimney pipe. This aids in draft and keeps the pipe warmer to prevent creosote from forming. There will be several details in the owner's manual to closely follow too, including how to install the wall thimble. Be sure to follow all clearance requirements for the stove, connector pipe and the insulated chimney pipe. One last point; an exterior chimney installation is the most expensive and the least desirable way to install a chimney for a wood burning stove or fireplace. It's always best to keep the chimney pipe as straight as you can and inside the house for as long as you can. I would recommend if possible, to install the pipe up through the ceiling. And, if it's a two story home maybe catch the corner of a closet or the corner of the room above the stove. It will be less complicated, less expensive and an easier way to routinely clean it. Hope this helps!

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