Will Insurance Cover a House With a Fireplace? SF Gate
Table of Content Where is the best place to put a pellet stove? How Will Your Fireplace Increase Your Home Insurance? What are the insurance requirements for wood-burning stoves? What happens if you do not disclose your fireplace? Does home insurance cover damage to a fireplace? Extra coverage is an option, but you probably don’t need it Having a fireplace does mean higher homeowners insurance premiums. Given the increased risk of a home fire, insurers see an increased risk that they’ll have to pay out a claim. An inspection may be required, but if your fireplace passes, it could lower your premiums. Pellet stoves heat compressed wood pieces or sawdust instead of logs. As much as a fireplace is important, make sure it is also appealing. A well-designed gas fireplace will be a deal maker for most home buyers. The worst is when a client finds an old fireplace that seems to get no maintenance at all. Insurance inspectors will check that your stove's connection to the chimney i...