Question 1

Does a fireplace affect homeowners insurance?

Accepted Answer

Yes. Most U.S. homeowners insurance carriers apply some premium adjustment for fireplaces, with wood-burning stoves and inserts typically receiving the most underwriting attention. Industry data shows wood stoves can increase annual premiums by an average of $278, ranging from no impact at carriers like Liberty Mutual to over $400 per year at others. Gas and electric fireplaces typically have minimal or no premium impact.

Question 2

Which insurance carrier is best for wood stoves?

Accepted Answer

Liberty Mutual is the most consistently accommodating carrier for wood stove owners across multiple states, requiring only documentation in most cases. State Farm and USAA are typically moderate, while Allstate, Travelers, Progressive, and Farmers vary widely by state and may decline coverage in some markets. Use our free tracker to look up specific carrier treatment in your state.

Question 3

Do I have to disclose a wood stove to my insurance company?

Accepted Answer

Yes. Failing to disclose a wood-burning appliance can result in denied claims and policy cancellation. Most carriers require disclosure of wood stoves, pellet stoves, and inserts, along with documentation showing UL listing, professional installation, and code-compliant clearances.

Question 4

Will a gas fireplace raise my home insurance?

Accepted Answer

Generally no. Gas fireplaces — including direct vent, B-vent, and vent-free models — carry minimal underwriting concern with most carriers and typically have no premium impact. Progressive, State Farm, and most major insurers treat gas fireplaces as standard with no surcharge.

Question 5

Can my insurance company drop me for installing a wood stove?

Accepted Answer

It depends on the carrier and state. Some carriers will non-renew or decline to write a policy if a wood stove is the primary heat source. Others will accommodate with proper inspection and documentation. Allstate has been reported to decline log home and wood stove combinations in multiple states. Always disclose before installation and confirm coverage in writing.

Fireplace Insurance Tracker: Carrier Costs by State 2026