Permitting Stove Installations

Updated: October 9, 2015
Can I install my own stove? What is the difference between a building permit and a mechanical permit? Unique circumstances Insurance Considerations

Most insurance companies do not increase the annual premium for a wood or pellet stove but some add $20 - $30 a year.  However, many insurance agencies want to know that the stove was installed by a professional and/or complies with any local requirement to get a permit and inspection.  Bottom line: to ensure you don’t have any problems with your insurance company in event of damages from a wood or pellet stove, you should take these safety measures:

In Maine, if a wood stove is installed correctly and inspected by the fire department, insurance should remain the same.  However, if a home is rented, wood stoves increase exposure to loss or damage, so fire insurance is available at a higher premium.  To view a discussion board on this topic, visit:

For more info:

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