State Farm Wood Stove In Garage

I did find one company that said no problem but as soon as they find out that anything flamable like the gas in the gas tank on a lawnmower vehicle etc was going to be in the barn.

State farm wood stove in garage. Having a wood stove can be seen as a risk factor for homeowners insurance companies. Unless your garage is climate controlled its interior is subject to wild swings in heat and humidity. Maintain at least a 36 inch clearance between a wood stove and combustible materials or use fire resistant materials to protect woodwork and other areas. It should be located in a place where it can be supervised during operation and away from any unprotected walls flooring ceiling or furniture.

Not all insurance companies raise policy prices for homes containing wood stoves so it s a good idea to shop around with various carriers. When you are insuring your home and installing a wood stove it s likely you will need an inspection completed to ensure it s professionally set. Your stove should be placed in a central area with at least 512 cubic feet of space and allow for circulation of heated air. As a local insurance broker safety is our top concern especially when we are insuring one of your largest assets we want to make sure that your wood stove and home insurance are in line and up to code.

Stoves should never be placed in an attached garage. A wood stove pipe should not pass through a floor closet concealed space or enter the chimney in the. Wood burning stoves and fireplaces raise the risk of starting a fire that could damage the home. If the garage offers your only option for furniture storage find a clean dry spot that s elevated off the floor.

Burn only seasoned hardwood or wood pellets in the stove according to the manufacturer s directions. Unlike wood burning stoves pellet stoves do need a power source. There are a number of reasons that installers will take different stands on the acceptability of garage installations and most of them are due to differences in how to interpret csa standards b365 10 installation code for solid fuel burning appliances and equipment. Transfer ashes in a covered metal container to an outside location 10 feet or more away from the home and douse them with water.

Wait until ashes have cooled before removing them. They have to run an auger to feed pellets into the stove s burning compartment. For wood stoves choose a stove that has been tested by underwriters laboratories ul. This in turn can warp wood and pests such as rodents may root and ruin upholstery fabric or mattresses.

A wood stove in the shop though legal and permitted would be a remove or non renew for my policy. Wasn t the garage part it was the outbuilding part. Installing a wood stove and home insurance. Then i visited my state farm insurance office.

Can you install a wood stove in a garage. The barn currently has a wood burning stove in it and so far every insurance company i ve talked to won t write a policy on it with the wood stove installed.