In past years insurance companies did not look too favorably on solid fuel heating systems inside a home. To them, solid fuel was usually wood, of the cut it, split it, stack it, variety, not pellets. And wood stoves are significantly more dangerous than pellet or corn stoves. Because the wood fuel is wetter and burns much less efficiently than the pressurized burn chamber of a pellet stove, there is always danger of creosote buildup inside the chimney.
Over the past several years this has slowly changed and now there should be little or no change in your insurance rates as long as you comply with three points. Most insurance companies charge and additional $0 to $50 yearly.
- Buy a stove that is UL Listed, or listed with some other safety underwriter.
- Have your stove professionally installed.
- Follow the manual for proper installation.