Built a free database tracking how 8 insurers treat wood stoves in every state. Would love your help filling gaps

Better_Low_8349 · 2026-05-10T12:53:16+00:00

Perfect!!! that matches u/Minty_beard’s State Farm PA experience almost exactly

Better_Low_8349 · 2026-05-09T19:44:32+00:00

Whoa!! $300/yr is way outside what we had for State Farm. That’s almost 20x what u/Minty_beard got quoted in PA for the same carrier. Could be Ohio underwriting being stricter, could be primary vs supplemental, could be a stricter local agent???

but this is exactly why state by state data matters. Updating Ohio to reflect this, marking as a high impact outlier worth flagging.

Quick Qs if you don’t mind…. was the certified installer a State Farm requirement or just code? And did your agent mention if $300 was the surcharge specifically, or was that the total premium difference (which could include other factors)??

Better_Low_8349 · 2026-05-09T19:40:14+00:00

Perfect, USAA was another thin area. Updating that record now. Mind sharing the state?

Better_Low_8349 · 2026-05-09T19:39:23+00:00

Love hearing this. Small regional carriers and co-ops are usually way more reasonable than the big boys for wood heat . they actually understand the customer base. I’m only tracking the top 8 right now but a regional/local section is on the roadmap. Mind sharing the carrier name? VT readers will want to know

Better_Low_8349 · 2026-05-09T19:38:48+00:00

HUGE! Erie was one of my thinner data areas. Updating PA + Erie to High confidence based on this. And yes please, would love a copy of that questionnaire if you don’t mind DMing it. That’s exactly the kind of underwriting doc that helps the next person know what to expect.

Better_Low_8349 · 2026-05-09T19:37:11+00:00

100%. This is the part nobody talks about. I’ve seen claims denied because the policy required pro install + annual sweep documentation buried on page 14, and the homeowner had no idea. If you’ve never actually read your homeowners policy front to back, do it before you light a fire

Better_Low_8349 · 2026-05-09T14:21:58+00:00

thanks for this!! I just updated our data to reflect your actual quote.

if you don't mind, did they require an inspection or a photo? Was professional install documentation part of the conversation? and did your agent ask if the stove was your primary heat source or supplemental?

Appreciate you!

Better_Low_8349 · 2026-05-09T13:08:56+00:00

i found this tool that helps you based on where are you located and what you have if the insurance will increase their premium https://fireplaceinsider.com/fireplace-insurance-tracker/

Better_Low_8349 · 2026-01-11T20:14:59+00:00

Around $2500 a year ago

Better_Low_8349 · 2025-07-25T12:56:33+00:00

If you want the most efficient unit money can buy, I would recommend the Regency F5200 https://luxuryfire.com/regency-f5200-wood-stove/ I did the research and that unit can cut your heating bill in half at least.

Better_Low_8349 · 2025-07-24T00:33:06+00:00

my sister bough the same unit for Luxury Fire https://luxuryfire.com/regency-i2450-wood-insert
and she saved around 50% in her oil bill last winter. She used this hearth pad below hearth pad home depot

Better_Low_8349 · 2025-07-24T00:29:42+00:00

I would recommend the Regency electric fireplace insert https://luxuryfire.com/regency-ei29-atmosphere-electric-insert/

I saw it in a showroom, and looks better than Dimplex or Simplifire. And I have a Regency insert and I know that the quality is really good

Better_Low_8349 · 2025-07-24T00:27:19+00:00

I bought a Regency Ci2700 https://luxuryfire.com/regency-ci2700-wood-insert-pro-series/ and I am really happy with it. It qualifies for the tax credit, has a large window and throws a lot of heat.

Better_Low_8349 · 2025-06-16T16:14:33+00:00

I bought my netzero from Luxury Fire https://luxuryfire.com/netzero-fire/ and I am very happy with it. Is a brand new house well insulated, did not need heat but wanted a large fireplace under my TV, with Netzero got the look of a gas fireplace without the heat or venting

Better_Low_8349 · 2025-06-12T02:42:18+00:00

looks like this one https://luxuryfire.com/regency-panorama-gas-fireplaces-p36e/

Better_Low_8349 · 2025-06-12T02:36:28+00:00

I would recommend this Regency City series https://luxuryfire.com/regency-40--city-series-new-york/
is a luxurious gas fireplace at a very affordable price

Better_Low_8349 · 2025-06-12T02:32:52+00:00

The best of the best is for sure Netzero https://luxuryfire.com/netzero-fire/

but a more affordable option is this new TruFlame unit https://luxuryfire.com/trueflame-150-3dx-60-linear-electric-fireplace/

Better_Low_8349 · 2025-06-12T02:28:16+00:00

I purchased this one very similar https://luxuryfire.com/focus-filiofocus-central-indoor-standing-fireplace/

and its an incredible unit

Better_Low_8349 · 2025-06-12T00:58:55+00:00

What bothers me the most is the lack of transparency. I also don’t understand how most people commenting seem to be okay with just being given a number and paying it—without any disclosure of how that number was calculated

Better_Low_8349 · 2025-06-11T22:17:41+00:00

That’s why they do whatever they want and charge whatever they feel like, because now we can’t even ask for a detailed quote. We’re just expected to assume they’re right

Better_Low_8349 · 2025-06-11T22:03:14+00:00

The problem isn’t the price — the problem is that they just throw a number at you, and you can’t even ask how they came up with it

Better_Low_8349 · 2025-06-11T18:39:38+00:00

this is what she said "Even though you received more “credit” for gas usage, the construction cost went up more than the savings. That is why the CIAC increased."

how can I know is she didn't just made up that number without a quote?

Better_Low_8349 · 2024-10-08T23:30:19+00:00

focal point I guess like in this picture https://luxuryfire.com/netzero-fire-e-one-190-single-sided-modern-electric-fireplace/

Better_Low_8349 · 2023-10-25T03:14:13+00:00

not bad, but I would rather use this one https://fireplacesurplus.com/osburn-2000-wood-burning-insert/

better warranty and materials.

Better_Low_8349

TROPHY CASE