Interesting. I had state farm trying to insure a home in NH and there was a surcharge fr a solid fuel burning device, whether a central heating stoker or freestanding stove.; wood, pellets or coal. I've since switched to Liberty Mutual and there is no surcharge for that sort of thing.[/quote]
When I lived on the N.H. border in Mass. insurance company's didn't give a rat's ass as long as you made your monthly mortgage payment, of course this was during the overly inflated housing market smoke and mirror show in the 90's.
On a slightly different note, I often wonder what insurance company's premium reflect when a home owner is, what is called "under water" where the mortgage is more than the home value. Do they stick with replacement costs only, and rely on P.M.I. to make up the difference after a catastrophe? and does P.M.I. sky rocket when homeowners are upside down?[/quote]
homeowners insurance does not effect PMI (two different things), homeowners insurance always sticks to replacement cost (though what a racquet that is)... They force you to insure your home at a value of $300k when we all know if the damb thing burned to the ground you could build a brand house for $180k (its like they think your land is going to disappear with the loss
and Private Mortgage Insurance... dont even get me going on that