"cshenk" wrote in message
...
"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.
Sent out several faxes to get insurance quotes (home and auto) two years
ago. Did find a suitable company, however, AARP called back and asked me,
"What do you use for heat", I replied that most of the time we use the
pellet stove in the family room and have the back half of the house closed
off. "Sorry, but we cannot insure you if you use a pellet stove or a
fireplace for heat". When I mentioned that I do also have central heating,
the rep said, "well it's too late now, you already told me you use a pellet
stove".
Go figure?

Ivan Vegvary