Insurance For Wood Burning Stove

[steveessie]

I am having a HARD time finding an insurance company to insure me if I put a wood burning stove in my pole barn for heat! My current company (American Family Insurance) will not insure and I haven't found any other insurance company that will do it. Any suggestions or companies that you use? I live in Northern MN (near Duluth).

 

[murphy1244]

I have State Farm and they charge 425..00 for that

 

[steveessie]

I have State Farm and they charge 425..00 for that

I just got done talking to State Farm and they said "NO". I don't get it...very frustrating!

 

[duwem]

What if you do an ourdoor wood stove? Does the situation change then?

I know its a bunch more money, but just wondering.

 

[steveessie]

What if you do an ourdoor wood stove? Does the situation change then?

I know its a bunch more money, but just wondering.

reality is probably too much money

 

[Taylortractornut]

I think Farm bureau will allow it if its not a primary heat source THey wont allow an outside forced air one at all.

 

[murphy1244]

I just got done talking to State Farm and they said "NO". I don't get it...very frustrating!

Did they say why?

 

[Piston]

We're you ever in the military? I have USAA and they've been great, I asked about putting a woodstove in my garage and they said no problem.

It's a little different than a barn but it would be worth a phone call to them.

 

[steveessie]

Did they say why?

Said there has been too many pole barn burns and they only insure if there is a solid (no doors or windows) between the wood stove room (workshop room) and any flammables. Like if you divided pole barn in half. They did say some people might be "grandfathered" in since the change.

 

[steveessie]

We're you ever in the military? I have USAA and they've been great, I asked about putting a woodstove in my garage and they said no problem.

It's a little different than a barn but it would be worth a phone call to them.

I was not in the military. Is that a requirement for them?