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Wood Stoves vs. Pellet Stoves – Do You Know the Difference?

wood stove vs pellet stove

Alternative heating sources can be a welcome addition to a home, if you have the right insurance.

(Photo: PaulMaguire / iStock / Thinkstock)

Pellet and wood stoves can be cost-effective ways of keeping your house warm.

They can also be dangerous if not installed or maintained properly. And homeowners can face liability issues if they don’t have appropriate insurance coverage.

Here are a few things to keep in mind if you are considering an alternative heating source.

  • Pellet stoves are the cleanest solid-fuel residential appliance, according to the U.S. Department of Energy.
  • Pellet stoves are often slightly less expensive than wood stoves, though size can impact the price.
  • Check with your city or town to see if there are any restrictions on alternative heating equipment.
  • Keep your homeowners insurance provider in the loop. Your premiums may increase, but you’ll be covered if the device causes damage. Heating equipment is a leading cause of home fire deaths, according to the National Fire Protection Association.
  • Most of a pellet appliance’s exterior may be safe to touch while in use, though you should still use caution. Wood stoves can get hot enough to burn skin.
  • Pellet stoves need electricity to run; wood stoves do not. Some pellet stove owners use a battery backup in case of a power outage.
  • Installation is a job for the pros. They’ll determine the best spot for your stove and make sure it works properly.
  • Your stove should be cleaned and inspected every year.

Do you use a wood or pellet stove? Tell us about your experience in the comments below! You can also learn about how to stay warm should you lose power by clicking here

AAA’s insurance agents can help identify the right coverage for homes with wood or pellet stoves. Connect with an agent today.

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