While there may never have been a fire from a inside gaser as one kinda spoke of. Try telling that to the insurance companys . They do not want to hear it. They dont care its a wood burning device in the home. I have heard from people having to find new insurance company's because of inside wood burners. I had to change company's because of this also. I have had the same stove for 17 yrs. They never looked at it. Just sent a cancel notice