Will a pellet stove increase your homeowners insurance? If so, by how much? And do you feel they are...
If so, by how much? And do you feel they are worth it as a biggest heat source contained by an average sized ranch home? (With heat oil as a backup?)
Answers: Some insurance companies do charge a surcharge for solid fuel. (wood, coal, pellet, and corn) Others do not. Mine charges an extra $50 per year. Some also require an inspection for newly installed solid fuel burners, other do not. Make some phone call.
it shouldn't effect your insurance