Forums | Home Repair | Home Improvement | Painting | Interior Decorating | Remodeling | Landscaping


Go Back   DIY Chatroom Home Improvement Forum > Home Improvement > HVAC

CLICK HERE AND JOIN OUR COMMUNITY TODAY...IT'S FREE!

Reply
 
Thread Tools Search this Thread Display Modes
Old 09-29-2009, 03:16 PM   #1
Newb
 
NewImage's Avatar
 
Join Date: Sep 2009
Location: Brethren, MI
Posts: 42
Share |
Default

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.
NewImage is offline   Reply With Quote
Old 09-29-2009, 03:34 PM   #2
An old Tradesmen
 
Join Date: Oct 2008
Location: PA
Posts: 23,446
Default

House with no furnace


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.
beenthere is offline   Reply With Quote
Old 09-29-2009, 03:48 PM   #3
Newb
 
NewImage's Avatar
 
Join Date: Sep 2009
Location: Brethren, MI
Posts: 42
Default

House with no furnace


Insurance company said that electric baseboards won't even do. They won't cover the house. Retarted!
NewImage is offline   Reply With Quote
Old 09-29-2009, 03:52 PM   #4
An old Tradesmen
 
Join Date: Oct 2008
Location: PA
Posts: 23,446
Default

House with no furnace


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.
beenthere is offline   Reply With Quote
Old 09-29-2009, 03:55 PM   #5
Newb
 
NewImage's Avatar
 
Join Date: Sep 2009
Location: Brethren, MI
Posts: 42
Default

House with no furnace


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
NewImage is offline   Reply With Quote
Old 09-29-2009, 03:59 PM   #6
An old Tradesmen
 
Join Date: Oct 2008
Location: PA
Posts: 23,446
Default

House with no furnace


What fuel sources do you have available to you at this house?
beenthere is offline   Reply With Quote
Old 09-29-2009, 04:05 PM   #7
Newb
 
NewImage's Avatar
 
Join Date: Sep 2009
Location: Brethren, MI
Posts: 42
Default

House with no furnace


Propane.
NewImage is offline   Reply With Quote
Old 09-29-2009, 04:11 PM   #8
An old Tradesmen
 
Join Date: Oct 2008
Location: PA
Posts: 23,446
Default

House with no furnace


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.
beenthere is offline   Reply With Quote
Old 09-29-2009, 09:31 PM   #9
Member
 
sktn77a's Avatar
 
Join Date: May 2009
Location: Chapel Hill, NC
Posts: 251
Default

House with no furnace


Quote:
Originally Posted by NewImage View Post
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.
sktn77a is offline   Reply With Quote
Old 10-01-2009, 02:06 PM   #10
Member
 
Join Date: Sep 2008
Location: Upstate New York
Posts: 368
Default

House with no furnace


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.
dac122 is offline   Reply With Quote
Old 10-01-2009, 03:29 PM   #11
Member
 
Join Date: Sep 2009
Location: Louisville
Posts: 455
Default

House with no furnace


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...
cellophane is offline   Reply With Quote
Old 10-01-2009, 04:25 PM   #12
Member
 
Join Date: Jan 2009
Location: South of Boston, MA
Posts: 17,248
Default

House with no furnace


Quote:
Originally Posted by NewImage View Post
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
Scuba_Dave is offline   Reply With Quote
Old 10-01-2009, 05:55 PM   #13
Old Newbie
 
Join Date: Aug 2009
Location: Ottawa Valley, Eastern Ontario, Canada
Posts: 70
Default

House with no furnace


Quote:
Originally Posted by Scuba_Dave View Post
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?
tinmanrob is offline   Reply With Quote
Old 10-01-2009, 06:08 PM   #14
Member
 
Join Date: Jan 2009
Location: South of Boston, MA
Posts: 17,248
Default

House with no furnace


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
Scuba_Dave is offline   Reply With Quote
Old 10-01-2009, 08:15 PM   #15
Member
 
Join Date: Dec 2008
Location: West Michigan
Posts: 440
Default

House with no furnace


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.
SKIP4661 is offline   Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Lovin the new furnace/ tighter house Chemist1961 HVAC 2 03-14-2009 10:33 AM
Attic Fan AND Whole House Fan PapaGnome HVAC 6 02-15-2009 02:28 PM
Problems with new furnace..Overheating, having to reset. Furnace too big? Tommy2 HVAC 41 12-01-2008 01:55 PM
Complete AC installation in Old Capitol Hill Row House jacko10 HVAC 0 09-18-2007 05:42 PM




Top of Page | View New Posts

Copyright © 2003-2014 Escalate Media. All Rights Reserved.