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NewImage 09-29-2009 03:16 PM

House with no furnace
 
I am looking at buying a house with no furnace. It has a wood stove that the previous owners used to heat the whole house with which I am fine with. The issue is insurance. Insurance companies won't insure the house w/o a furnace. So basically what I'm looking for is any advice on where to start, cheap options, etc.

beenthere 09-29-2009 03:34 PM

Cheap options?

Your probably not going to find cheap real options per say.

But. One might be to install electric baseboard, if you intend to continue to use the wood stove.
May need to upgrade your electrical service for them though.

Need more info on house to say more then that.

NewImage 09-29-2009 03:48 PM

Insurance company said that electric baseboards won't even do. They won't cover the house. Retarted!

beenthere 09-29-2009 03:52 PM

Never heard of electric baseboard not being allowed.

Might be time to check for another insurance company.

Next cheapest method is an electric heat air handler and duct work.
Price not cheap, and goes up from there.

NewImage 09-29-2009 03:55 PM

I'm not talking extremely cheap, just relatively speaking. It will be nice to have a backup incase we ever want to leave during winter anyways :)

beenthere 09-29-2009 03:59 PM

What fuel sources do you have available to you at this house?

NewImage 09-29-2009 04:05 PM

Propane.

beenthere 09-29-2009 04:11 PM

If you have room for duct work.
A LP furnace, with duct work. Cost a little less then a boiler and hot water baseboard heat.

sktn77a 09-29-2009 09:31 PM

Quote:

Originally Posted by NewImage (Post 334187)
Insurance company said that electric baseboards won't even do. They won't cover the house. Retarted!

This doesn't sound right. Try a different insurance company.

dac122 10-01-2009 02:06 PM

Doesn't sound right to me either. If you have no power for electric baseboard heat you have no power to operate a boiler or furnace. Maybe they're thinking you mean space heaters. Try clarifying or shopping for another insurance company.

In order of install cost without consideration for operational costs I would say roughly in this order: electric baseboards, electric furnace with ductwork, propane furnace with ductwork.

cellophane 10-01-2009 03:29 PM

you may not be able to get a loan without heat either and you will have to get a 203k in order to add whatever heating you need. i am in the same situation right now myself. hopefully the bank is out there on a nice day and dont try to run the boiler...

Scuba_Dave 10-01-2009 04:25 PM

Quote:

Originally Posted by NewImage (Post 334187)
Insurance company said that electric baseboards won't even do. They won't cover the house. Retarted!

Time for a new Insurance company
I bought a cottage & my Insurance said they didn't want to cover it
I said I'd switch everything to a new Company then
They rethought...called me 3 days later - still no
I told them they would receive a call within the hour from my new Insurance company...and they did

tinmanrob 10-01-2009 05:55 PM

Quote:

Originally Posted by Scuba_Dave (Post 335116)
Time for a new Insurance company
I bought a cottage & my Insurance said they didn't want to cover it
I said I'd switch everything to a new Company then
They rethought...called me 3 days later - still no
I told them they would receive a call within the hour from my new Insurance company...and they did

Why did they not want to cover your cottage?

Scuba_Dave 10-01-2009 06:08 PM

They never supplied a valid reason
When I bought my house I had my car & MC insurance with them
They didn't want to insure my house at 1st (short sale)
They finally did, but when they pulled the same attitude with the cottage I said bye bye
They kept contacting me to ask me to come back
I finally told them to stop or I would file a complaint

SKIP4661 10-01-2009 08:15 PM

Around here some companies won't insure your house if it has an indoor wood stove, or they quote the policy so high that you can't afford it.


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