Do home insurance companies cover properties with wood-burning stoves?

"I think I've found my dream home in Vermont, but this place has a wood-burning stove that acts as a secondary heat source. Will home insurance cover this property, or are wood stoves a dealbreaker for insurers?

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Answer
“Good news — wood-burning stoves/fireplaces are not a dealbreaker for getting homeowners insurance! Most insurance companies will ask if it was installed by a professional, and it’s your job to make sure that the chimney is in clean, working order.
There may be a small surcharge applied to your premium for having a wood-burning stove in the home, but other than that, most companies will accept them. “
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Alexah Grinnell
Answered on Apr 08, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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