> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.gowalnut.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# I Have a Wood Stove or Pellet Stove — How Does That Impact My Home Insurance?

🔥 Solid fuel appliances like **wood stoves**, **pellet stoves**, or even **fireplaces** are cozy — but they can increase your fire risk if not properly installed or maintained.

Because of that, insurers may need to review extra details about your setup before providing an accurate **home insurance** quote.

We’ll ask about:

* When it was installed
    
* If it was professionally installed
    
* What type of chimney or venting system it uses
    
* How often it's cleaned or serviced

Once we have those details, we can make sure your quote reflects the right level of coverage — and risk.