For all policy types, information regarding the dwelling's primary heating source is required on the Property Review tab in the portal. This question applies specifically to the main dwelling and requires a Yes or No response.
Eligibility
Use the guidelines below to determine the correct portal response. Selecting an ineligible option will automatically result in a Does Not Qualify (DNQ) status that cannot be overridden.
| Primary Heating Source | Select | Eligibility Status |
|---|---|---|
| Wood, kerosene, pellet, or similar stove WITH a thermostat | NO | Eligible |
| Wood, kerosene, pellet, or similar stove WITHOUT a thermostat | YES | Ineligible (DNQ) |
| Electric wall heater or space heater (even if thermostatically controlled) | YES | Ineligible (DNQ) |
Other Structures
The restrictions above apply only to the main dwelling. Detached structures (Coverage B) utilizing non-thermostatically controlled wood, kerosene, pellet, or similar stoves are eligible for coverage and will not trigger a DNQ.
The above is meant as general information. This information does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to general claims handling steps, average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation.
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