"Harry K" wrote
Dan Musicant wrote:

So I was talking to an insurance agent the other day and the
conversation turned to home insurance and the fact that I don't have
central heating. That fact seems to be a showstopper when applying for
standard home owner's policies (I currently have California Fair Plan

That makes no sense. Central heating isnt a requirement for insurance.
Space heaters are perfectly legal and many all electric homes have them.

The "danger" of particulate matter in smoke is grossly over stressed.
Yes, if you are not burning cleanly, there can be enough to cause
asthma suffers some problems but that is about it. Listen to the
'nuts' enough and they will have you thinking that just breathing pure
air is dangerous.

Correct Harry. Dan, just avoid resinous ones like pine.