With the chill of winter in full swing, the warmth of a crackling wood stove is undeniably appealing. But beyond their cozy comfort, wood stoves require careful consideration—from installation to insurance adjustments.

 Here are our answers to some of the most common questions we receive about adding a wood stove to your home, ensuring your setup is safe, efficient, and enhances your comfort during the colder months.

Q: Can I install a wood stove myself or should it be professionally done?

A: For safety and to ensure compliance with our insurance requirements, we highly recommend having your wood stove professionally installed. DIY installations may not meet safety standards, which could lead to significant risks such as fires or carbon monoxide poisoning.

Additionally, a professional installation helps ensure that your coverage remains valid and that any future claims related to the stove are supported.

Q: How does installing a wood stove affect my homeowners’ insurance with Rockingham Insurance?

A: Adding a wood stove to your home generally leads to an adjustment in your insurance policy due to increased fire risk. It is important to notify us before you install the stove so we can review and possibly adjust your coverage. This ensures that you are fully protected and that there are no surprises in the event of a claim.

Q: What regulations need to be followed when installing a wood stove?

A: Installation of a wood stove must adhere to local building codes and the manufacturer’s installation guidelines. These often include specific requirements regarding the distance of the stove from combustible materials. Following these guidelines is crucial not only for safety but also for maintaining the validity of your insurance coverage.

Q: Are there different considerations for insurance if I choose a pellet stove instead of a wood stove?

A: Yes, pellet stoves are typically viewed as safer and more efficient than traditional wood stoves, which may influence your premium less significantly. However, it is still essential to notify us regarding any stove installations to ensure your policy reflects the new addition and maintains coverage.

Q: What should I do if the wood stove was installed before I purchased my home?

A: If your home came with a pre-installed wood stove, it’s important to verify that it was installed professionally and complies with current safety standards. We may require an inspection or certification to confirm the installation’s safety, which can be facilitated through our network of certified professionals. This ensures that your coverage is accurate and comprehensive.

Installing a wood stove can enhance the warmth and charm of your home, but it also brings important considerations, especially regarding your homeowners’ insurance. At Rockingham Insurance, we’re here to help you navigate these considerations to ensure your cozy new heat source is safely and adequately covered. Reach out to your local Rockingham Insurance agent today to discuss your specific needs and make sure your warm winter is also a secure one.