Turning down the thermostat this winter?

I heard a wood burner will hike the homeowners insurance big time.

We installed our woodstove a few months after moving in. We notified our insurance company, they made sure everything was up to code and they didn't increase our insurance, and we have the same coverage.​
 
We keep it low anyway, 60 at night. 65 by the time people are up in the morning. Drop again to 62 during the day.
But this year I am trying to figure out just HOW low I can keep it safely. We have steam radiators with a natural gas boiler and I dont want the pipes freezing.

Lots of blankets, flannel sheets, hot tea, cocoa and toddies. And my flannel pjs;)
 
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200 gallons OMG!!!
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i would just pass out when i opened that bill
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do you have to pay that in one payment?
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they let us split ours in half. well anyone can that has good standing with them.

wendy

Yep you have to pay it in one payment.

that is crazy!
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It's never raised ours. They come out and inspect it every few years.

we had trouble getting our house insured with a wood burning stove. it was already there we did not put it in the house. we shopped around and finally found three that would insure us. my mom was a insurance investigator and she told me info to know.
Ex: how far away from the wall, what type of floor it sits on, etc.
so that helped me be informed when i shopped around.

wendy
 
I'll be glad when it gets cool enough I can quit using the a/c - we were able to open up the house for the last few days but today it started raining so we had to close up.

We keep our temp as low as is comfortable plus we have a fireplace to help heat.
 
TT.. Lucky you in Florida. We put in 154.1 gallons of fuel oil and it was $622.56. PAINFUL! It really worries me. How are people going to pay these bills. Hopefully we`ll have a reasonably mild winter. Will have to fill at least one more time and we use it frugally. Thinking about putting in a pellet stove. Thankfully have a large garden, chickens and can cook from scratch.
 
Sounds like fuel and other commodities are headed south right now. Might be good to get fills when the prices get lower. We have a 250 lb. propane tank and we had it filled three times last winter....came to about $1500 roughly. We have the option to pre purchase for the season so I will likely get an extra fill if prices are low.
 
We just did a summer fill for LP and put in 251 gallon for a total of $544.18.
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That was a summer fill so it was cheaper then contracting for the winter months.

I seriously don't know how people, including us, are going to afford it if the winter is rough here. They say it is going to be one of the coldest and snowiest (is that a word) winter.

We are lucky because our house is pretty good for heat. That should get us through the winter.

I keep my heat at 62 at night and when we are not home and 68 when we are here. If it is a hard winter I will keep it at 65 and we will use blankets and layers. It gives me more reason to do more quilting!
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Our furnace takes fuel oil. Last fall they filled it up - we had used only 14 gallons the previous winter. This time they couldn't add one drop to it. I never truned on the furnace. We used only wood last winter. I plan to use the same method this year. We still have all 550 gallons of fuel in the tank.
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