When I told my insurance company that I already installed a coal boiler 6 months ago or so, ( i did ask town before install, and they were ok if it did not share chimney)
he said it is all ok if primary heating source.
He said the only time it matters is when it is a supplement heating...such as wood or coal or gas that is installed after the fact.
Really would love a hand fired in our foyer or family room, but I do not want to know the insurance increase, so we will
have to live with the traditional fireplaces for fun.
Already paying insane for insurance rates, and they just went up 14% from last year, on top of the 10-12% from the first year.
If it goes up next year for a third time, I will be switching...should switch now anyway.
As long as your insurance company is aware, that is really all that matters.