I installed a cute Cubic Mini wood stove for winter heat. I was proud of my cozy setup. When my renewal came up, they asked for updated interior photos. I sent them. Two days later, I received a cancellation notice: “Ineligible Risk: Solid Fuel Heating Device in structure less than 400 sq ft.”
Key Takeaways
- The “Prohibited” List: Most standard carriers (State Farm, Progressive) strictly prohibit wood stoves in RVs and Tiny Homes. They view it as an open fire inside a matchbox.
- Clearance Distances: Even carriers that allow them (like specialized Surplus Lines) require strict clearances (e.g., 36 inches from combustibles). Tiny homes rarely have space for 36-inch clearance.
- Surcharges: Expect to pay a “Solid Fuel Surcharge” of
50−50−150 per year. - Primary vs. Secondary: You must have a primary heat source (like a mini-split) that is automated. The wood stove must be declared as “secondary/recreational” heat.
The “Why” (The Trap)
The trap is “Underwriting Guidelines.”
Actuarial data shows that wood stoves in small, mobile structures have a massive fire frequency. Sparks fly out, clearances are tight, and owners fall asleep.
If you install one after getting insurance and don’t tell them, you are committing “Material Misrepresentation.” If a fire starts (even an electrical fire unrelated to the stove), they can deny the claim because the policy would have been cancelled had they known about the stove.
The Investigation (My Analysis of Solutions)
Who will let you burn wood?
Strategic Insurance (TinyHomePolicy.com)
- The Solution: They have specific markets (often Lloyd’s) that allow wood stoves.
- The Requirement: You must submit photos showing heat shielding (cement board/metal) and proper clearances. They may require a specialized “double wall” flue.
Foremost
- The Verdict: Generally No. I have seen them cancel policies immediately upon discovering a wood stove.
Standard RV Policies
- The Verdict: Hard No. They are designed for propane/electric furnaces only.
[IMAGE: Photo of a small wood stove with proper metal heat shielding on the walls behind it]
Comparison Table
| Heat Source | Insurance Difficulty | Premium Impact | Risk Level |
| Mini-Split (Electric) | None (Standard) | None | Low |
| Propane Furnace | None (Standard) | None | Low/Med |
| Wood Stove | High (Many rejects) | +$100 Surcharge | High |
| Diesel Heater | Medium (DIY install) | None | Low |
Step-by-Step Action Plan
- Install Heat Shields: Don’t just rely on air gaps. Install cement board + sheet metal. This reduces the required clearance legally and shows the insurer you are serious about safety.
- Declare It Upfront: Do not hide it. Call the broker: “I have a wood stove. Which underwriter accepts this?”
- Keep a Fire Extinguisher Nearby: Mount a large ABC extinguisher within 5 feet of the stove. Show this in the photo you send to the agent.
- Consider Removal for Photos: Ethical warning: Some people remove the stove for inspection photos and reinstall it. This is fraud. If the fire marshal finds the stove caused the fire, you are burnt (pun intended).
FAQ
What if I use a pellet stove?
Insurers view them slightly more favorably (automated feed, enclosed flame), but still “Solid Fuel.” You still need approval.
Does a “Cubic Mini” count as a stove?
Yes. Even though it’s tiny, it’s a solid fuel burning appliance.
Can I just say it’s “Decoration”?
If it’s hooked up to a flue pipe, no.