Yeah they want me to have baseboard electric, a furnace and ductwork or a heat pump either ducted or not. I don't have ductwork so I am going with ductless heat pump. A more expensive option than baseboard electric but at least it will cool my house in summers.
The sun's a light bulb and the moon is a mirror-- Gord Downie
Well, the first rule is "shop around." Other insurers may be more reasonable. Though burst pipes make them all grumpy, because it costs a small fortune to restore.
I have always thought heat pumps were brilliant, but they don't work in my cold climate when I need them most, so I currently need natural gas plus wood anyway. It is what it is; I don't have to like it. So it goes.
I would be interested to hear more as you work your way to a solution.
The insurance companies are understandably grumpy about burst pipes, but most of the time it has been caused by power outage on grid. It has been those with an off grid "backup" that didn't have issues. At least with people I know.
They are also really grumpy about chimney fires. Again understandable, but I had to pay a fairly hefty increase in premium on my last house when I installed a woodstove, and was told a flat no on this house.
Next house I will do the mini split heat pump plus small wood stove.
"You must be the change you want to see in the world." "First they ignore you, then they laugh at you, then they fight you, then you win." --Mahatma Gandhi
"Preach the Gospel always, and if necessary, use words." --Francis of Assisi.
"Family farms work when the whole family works the farm." -- Adam Klaus