A Personal Observation – House Insurance = Pain in the…

After some discussion, Husband and I have decided not to renew our house insurance with the present company. Money doesn’t grow on trees so if there’s a chance that we could save some money, I’m all for it.

The biggest obstacle with house insurance is heating. Way back in the 80’s and 90’s, oil was $10 a barrel, so heating oil was relatively cheap too. When we moved in here, there was an oil furnace, but we found outlets for electric baseboards. Oil furnaces burn hotter and it can heat up a room in a matter of minutes. I loved it. Heat up the room and turn it off, but then oil got stupid expensive and we had to stop using it. Thank goodness the hookup for the electric heat was still working. We don’t have natural gas out here and we did toy with the idea of propane. So now have baseboard heat in the main part of the house, and a woodstove in the extension.

That was another bugger. Wood stoves. You can use them as a secondary heat source but not a primary. Burning wood is cheaper than electric and a lot cheaper than oil, but you can’t get insurance for a house that uses wood as a primary source of heat. Even out in the country. I like wood heat. It makes the extension feel so cozy and the warmth penetrates everything. And I do mean everything. The wood in our walls have dried and twisted out of the cornerbeads. Husband wasn’t impressed.

I can understand why it’s harder to get insurance with just a woodstove. Chimney fires can happen easily, especially if you don’t know how to burn wood properly. Considering every year people die in fires started with candles, it doesn’t surprise me it’s difficult.

 Anyway, I found a good price. Will save a nice chunk on house and auto. I’m happy.

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About Darke Conteur
Darke Conteur is a writer at the mercy of her Muse. The author of stories in several genres, she prefers to create within the realms Science Fiction and Dark Fantasy. A pagan at heart, her personal goal it to find her balance within nature; exploring the dark through her stories and the light through her beliefs. When not writing or working with crystals, she enjoys knitting, gardening, cooking and very loud music.

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