First off, I don't have wood heat however I will second Chris's recommendation to call to Meloche Monnex or Primmum (sister companies through TD I believe - but don't quote me) I have had claims (auto) with both and they have been great. Definitely check every avenue you can think of, university, college, professional associations, employer, second cousin, etc to try and get a group rate. Sometimes joining an association like the OFAH for example might cost, what??? $50 a year and through their group insurance you cans save hundreds.