Will A Pellet Stove Increase Homeowners Insurance? 
Wood burning devices are a concern to the underwriter for a homeowners policy because they have an open flame inside the house . Insurance companies rarely change their rate based upon an increased exposure . Instead they are more likely to not accept the risk at all . A pellet stove is probably the least dangerous wood burning device . Many companies will issue a standard homeowners policy on a home with pellet stove . 