Two issues with them: they are more micro than macro and they have more company - specific
risk than the wood block ETFs.
Not exact matches
For example, a dog that spends time in the
woods has a higher
risk of leptospirosis (a serious bacterial infection)
than a dog that receives leash walks in the city.
Your cat is going to be at a lower
risk than a dog who is regularly exploring the
woods.
Whilst the symptoms don't match carbon monoxide poisoning; I will mention that if you have a
wood burning stove, ensure that it is serviced annually to ensure you aren't putting your life at
risk, a small dog can be like a canary in a coal mine as they are more adversely affected by small amount of carbon monoxide
than humans.
The insurance companies that write these policies understand the proper care and maintenance of
wood floors better
than most because they spend money to research ways for their policy holders to minimize the
risks of one of these events from occurring.
For example, a brick home is less expensive to insure
than a
wood home because it is subject to fewer
risks.