Home Insurance

fastcat · Post by **fastcat** » Thu. Dec. 31, 2015 9:53 pm

coaledsweat wrote:
fastcat wrote:I'm with Nationwide now but wanted to check a few others so called two and as soon as I said the word coal that was the end of the conversation.
Was it "coal" or "stove?" Typically, a solid fuel appliance that is a boiler or furnace is of no concern to an insurance company. They get antsy with stoves as they are considered "supplemental" appliances and put them in the same catagory as kerosene heaters and other risky appliances.

Didn't matter coal or wood was a no no.

jpete · Post by **jpete** » Thu. Dec. 31, 2015 10:01 pm

We just switched to USAA. My father in law is retired Navy. Saved us about $60/mo on the car insurance and we threw home owners into the deal for $1200/yr.

I don't know how they will be if I ever had to file a claim but they were easy to sign up with.

Post by **coaledsweat** » Thu. Dec. 31, 2015 10:04 pm

fastcat wrote:Didn't matter coal or wood was a no no.

Same with pellets, cherry pits, corn and kerosene. They don't like stoves, no matter what the fuel.

fastcat · Post by **fastcat** » Fri. Jan. 01, 2016 12:42 am

Reading all these posts how many of you never told your insurance co. you have a stove in the house?

How many will admit to it.

Post by **Rob R.** » Fri. Jan. 01, 2016 12:52 am

fastcat wrote:
Didn't matter coal or wood was a no no.

Sounds like a pretty unreasonable insurance company. My stove had a wood boiler when I bought it and Erie had no issue with it. My brother's home has a coal boiler and a coal stove, both were approved by the insurance company.

freetown fred · Post by **freetown fred** » Fri. Jan. 01, 2016 4:16 am

It was yrs. back but State Farm came out & looked my house over including stove install & that was when I only had the wood stove. It's listed as solid fuel stove. Most times that grass on the other side only LOOKS greener George.

fastcat wrote:Reading all these posts how many of you never told your insurance co. you have a stove in the house? How many will admit to it.

fastcat · Post by **fastcat** » Fri. Jan. 01, 2016 11:51 am

No Fred I'm just doing my due diligence checking prices from differant companies and making sure my guy is staying on the straight and narrow.

windyhill4.2 · Post by **windyhill4.2** » Fri. Jan. 01, 2016 12:04 pm

fastcat wrote:No Fred I'm just doing my due diligence checking prices from differant companies and making sure my guy is staying on the straight and narrow.

I like dealing with our agent,this agency is now into it's 4th generation in our area.We do the repair & service work on their lawn mowing equipment,for their office grounds & for each of the 4 family members involved.I don't do any checking around to see if they are looking out for me.The trusting goes both ways for us.

NoSmoke · Post by **NoSmoke** » Fri. Jan. 01, 2016 6:59 pm

My insurance rates are great: I just don't have any!!

It is scary in many ways, but I also have a few other houses so I'll never be homeless if this one burns.

Really it all stems from my sheep because with them they consider me a farm, and with it, high farm rates. I try to pass them off as pets, but granted it would be a lot of pets...and with unusual names like Number Seventy Seven, Number Two Hundred and Twenty Five, and Eleven Hundred and Ninety One. Yeah we go by number here and not by names like Clover, Goldenrod or Gertrude.

I don't recommend going insurance-less, but I look at insurance as legalized extortion too!

freetown fred · Post by **freetown fred** » Fri. Jan. 01, 2016 7:44 pm

I do the same George. Then I got something to throw at my agent if push comes to shove. Wise move my friend.

fastcat wrote:No Fred I'm just doing my due diligence checking prices from differant companies and making sure my guy is staying on the straight and narrow.