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Small Cabin Forum / General Forum / Baseboard heaters and insurance
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zoodlemaker
Member
# Posted: 23 Dec 2016 07:42am
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Please educate me about space heaters and baseboard heaters!

I have started living full time at my cottage where we get snow and below freezing temperatures in the winter. I heat with space heaters and a fireplace.

Talking with my insurance company, they are way more comfortable if I had baseboard heaters (I wonder if they would insure me with space heaters).

Are baseboard heaters hard wired as opposed to being plugged in? And am I playing a dangerous game with space heaters?

toyota_mdt_tech
Member
# Posted: 23 Dec 2016 09:02am
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Baseboard isnt bad at all, 220V hardwired, I think the permanent is what insurance likes. Set them up in an area where you wont push a couch up to them. They are nice, keeps it warm and you can heat specific rooms vs always the entire house. No moving parts either like a force air to wear out.

bldginsp
Member
# Posted: 23 Dec 2016 12:24pm
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What type of space heater are you talking about?

zoodlemaker
Member
# Posted: 23 Dec 2016 12:54pm
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The type of space heater you plug in, 500 W. Made by Garrison or NOMA. The kind you might get at canadian tire.

hattie
Member
# Posted: 23 Dec 2016 12:55pm
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We heat with baseboard heaters and love them. They are quiet and clean. I can preset temperatures on our programmable thermostats for various rooms so unused rooms are kept cold while the living areas are warmer. Electricity is expensive so that is a pain. Our insurance company refused to insure us if we put in a wood stove.

The only thing with baseboard heaters is to make sure you position them so you don't have furniture in front of them.

Asher
Member
# Posted: 23 Dec 2016 02:40pm
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My sister use to work for state farm.. They wouldn't even talk insurance to people that didn't have a "wall mounted" thermostate, and a wood stove was a no-go...

I decided to go with PTAC's (heat pumps), they have the option to have a wall mounted thermostate... but since this is a weekend place, I didn't want to worry about having to winterize every time we left... The PTAC's have a great option (anti-freeze), even turned off they automatically kick on at 40 degrees and off at 45 degrees... So when we leave, we just turn them off and shut off the water (no more flushing the pipes or anti--freeze in the drains and toilet)... This is the first winter with them, but so far, so good...

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