We thought we were going to have a problem with insurance for the shop if we had a wood stove. I was adamant about looking into it, mostly because of the shear cost of heating a building that size. Luckily we were able to pull natural gas and not have to use propane. Even more lucky, the wood stove added nothing to the insurance billThe only problem we have had is finding insurance that will cover the house with only wood heat in it. We tried everywhere. One agent came out, wrote out a bunch of demands, handed us the list and then told us we had 10 days to do all the revisions on the list or they wouldn't cover us. The house was needing a lot done to it at the time and there was no way we were able to get it done in 10 days so we told him not to bother coming back. Somebody told us to try our local farm bureau. When we told them the house was Amish built and needed updating and remodeling, they told us no problem and insured us on the spot.
It's a bit pricey as all insurance is for using wood heat but they are nice people to work with.
I'm the same though, Meg. When we are somewhere in the winter where they are heating with gas, at some point in time DH and I will look at one another and say, how fast can we get home to our wood heated house?
There is just something nice and 'warm' about wood heat.
As for harvesting wood. We get a lot of flack from some of the people we know for harvesting our own wood but we have 22 + acres in hardwood trees. DH drops the trees with me acting as spotter, he chains, I load the tractor bucket. He or I trundle it back to the barn and we take shifts running it through the splitter. We tell folks that we are pushing 70 and logically we know we can't do this forever but for now it is keeping us active and in shape.

I'm glad you found someone that would work with you. Insurance of any kind is such a money making racket. So frustrating. I think it's great that you guys still go out and get your own wood. If you can, then why not? That's respectable, not flack-worthy
