You should have absolutely no problem adjusting your bill when the communication between your Agent and your Insurance company gets settled.
It is merely getting the Ins. folks to understand what equipment you have, and its safety reputation. This is a reality check for anyone who does something different from the 'Mainstream Sheep'.
Propane is way more scarey to me than coal. CO2 is a deadly thing to have lurking around your home. ......Heavier than air, settles to the low point ..... and then the fuel itself.....any leak, any spark,
and that is all that will be written on your obit.
Wood burning....and how many old homes were destroyed years ago before adequate fire protection became available(now they save the fireplace and the partial shell) .... Even pellet stoves will plug up without a 'cleaning schedule'.
Our local chimney sweep has been keeping very good records for over 8 years on pellet stoves and now says it is a very good idea to clean the stack twice each season.
I have been with him to see the build-up in the exhaust piping a dozen times, and the type of pellets or the stove does not seem to be the issue.
He is amazed to see nothing but fly ash in a coal heated home, and is pushing folks to consider coal as an alternative to wood or wood pellets.
He advises to burn a partial loading of coal in wood stoves to clean a particularly nasty buildup in a wood stove or wood boiler. Most manufacturers recommend that also.
Back to the question you asked: Help educate the Insurance company yourself, since it appears they are not familiar with coal as a home heating fuel.
By the way, Dartmouth College and several other colleges received a $300,000 grant today from the Feds to research Clean Coal Technologies.
Good news for anyone who burns coal, because now more information on Coal will be discussed all around the country.
Here's a thought: Have the Insurance folks spend a quiet winter with Bob up in FT Kent, Maine and I'll bet there will be no more questions about alternative fuels, their economy and safety!