In Michigan many homeowners appreciate and enjoy the benefit of a supplemental heating unit – whether a wood burning stove, pellet stove, or fireplace insert – to keep their homes toasty and to lower their heating expenses during our cold winter seasons. These types of units pose an increased fire hazard and are therefore, justifiably, a concern for your insurance company.
To make certain your home insurance policy will respond as expected if a loss occurs you should always inform your agent if there is a supplemental heating unit or if you intend to add one. In most circumstances you’ll be asked to provide photos and information about the unit (manufacturer, type of unit, when it was installed, how frequently it’s cleaned, and clearance measurements around the unit and stove pipes) and your policy can be updated to provide coverage for a modest additional charge.
Here are a few guidelines to keep in mind for your safety:
- Professional installation is critical – never install a unit yourself!
- Make certain there is sufficient clearance between the unit and any combustible materials
- Have a professional chimney service inspect & clean the unit at least once a year
- Keep the unit clean and make sure any ash removed is handled in a metal container with a tight fitting lid
- Keep the doors to the unit closed unless adding wood or stoking a live fire
- Make sure there is a functional smoke detector on each level of your home
- Keep a fire extinguisher within reach near the unit
Did you know?
You can request a quote for insuring your home and woodstove through our website.