I have Roxul stuffed around both stoves. Parent's insert and buddy's insert are both stuffed with the Roxul as well. Roxul is in contact with liners for all. My stoves, I have block off plates as well. Inserts, no plate. Never had a problem. As was said earlier, if it gets to 2000 outside the liner, you have biggers isssues and it may be time to get out!