If you live off-grid, I highly recommend you call your insurance company and specifically ask if you have theft insurance. Very, very, very few companies offer this. We have found 2... maybe... but one for sure.
Yes, the umbrella policy sounds like a good idea. I hadn't thought of that but DH did when I mentioned it.
I don't consider this area unsafe... but, I do know off-grid homes get broken into b/c there isn't anyone nearby or around. Yeah, we definitely want a dog. I have heard of other security type measures to take and we are considering them...
Regarding the wood heat system: a lot of companies won't insure if its sole source of heat. Actually, we just read this online & haven't verified. Glad to hear that though... later we might install a propane heater if we want more options.