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 - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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