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Old 12-01-2012, 03:11 PM
Location: SW Missouri
15,351 posts, read 28,654,308 times
Reputation: 20800


I am not sure what category to put this in, so mods please move it if you need to.

My husband and I live in a mobile home. We also have a wood stove, which we would like to use, but cannot because our homeowners insurance will not insure a mobile home with a wood stove.

If anyone here has a mobile home *and* a wood stove, would you please tell me what insurance company you use for your homeowner's insurance? We have called a good many of them with no luck.

Thank you very much.

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Old 12-01-2012, 03:22 PM
Location: North Idaho
20,270 posts, read 24,282,811 times
Reputation: 37242
Foremost insures mine with a wood stove, but it is very expensive for not much coverage and they dislike paying claims. AIC will insure an owner occupied mobile home, but I don't know if they allow a wood stove.

The Farm Bureau will insure with a wood stove, but only if the mobile is quite new.

It's possible that this varies by state. Just because they will insure in Oregon does not mean they will insure in a different state.
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Old 12-01-2012, 03:28 PM
Location: Pennsylvania
15,241 posts, read 9,195,854 times
Reputation: 24887
Insurance companies vary from company to company. When I wanted to buy a mobile home (in PA) that had a wood stove, I had problems finding a company that would cover it. I wanted to remove it but couldn't until after the closing; couldn't have the closing until it was removed.

I went to every insurance company in town until I found one that would give me insurance.

Point being: just keep asking different companies. You might have to have the stove professionally installed and/or inspected, esp if it's an older mobile home. Not necessarily a bad thing.

Good luck.
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Old 12-02-2012, 02:44 PM
Location: under the beautiful Carolina blue
15,041 posts, read 22,964,424 times
Reputation: 11002
Go to a broker - they work for you, not insurance companies, and can probably direct you to or have knowledge of a company that will insure you.
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