I agree 100% on the insurance thing. Fortunately, my insurance company was only worried about the chimney being triple insulated, the stovepipe being double insulated, the recommended clearances followed, it had to have metal underneath it extending a certain distance beyond the stove, and it had to be installed by a licensed contractor, not necessarily a wood stove installer. They had no requirements about the stove itself which kind of surprised me. Now here is where I complain about the price of this insurance. It costs me more for my $25,000. worth of mobile home insurance than it does for my daughters $125,000 house! I checked around too and no one is cheaper than the company I have. They say it is due to all of the mobile home claims from recent storms, etc. What's worse is that even if I have a total loss on my home, they will only pay me about $5,000.00 for the home itself. So how practical is it really to put in expensive repairs and upgrades? One wants to be comfortable and have a home they enjoy of course and we all hope that no disasters happen but with this in mind, I tend not to be inclined to worry about new windows, hardwood floors and new paneling.