Well I go this wednesday to get the permit from city hall and I called my home owners insurance and let them know they said no problem no increase in premium and when the install is finished just call them so they can note it on our policy. The only questions were if it was being installed by a licensed and insured professional and if it was going to be the primary heating source for the home. Now I have to get busy building the hearth and get the touch up paint from the stove shop