But the fact is that you have made your stoves listing invalid. And if anything ever happens that could spell big problems with your insurance. It also may not and chances are as long as you did everything else right nothing will happen but you opened yourself up to a mess of liability. I am curious why you didnt try addressing the issues in other ways before modifying the stove
I don't have any home insurance to have problems with because I choose to assume personal liability for what I built myself. The title to the house belongs to me free and clear, and unencumbered by debt. So because it isn't owned by a mortgage company, there no requirement for me to insure it for someone else. I understand that you likely live under different circumstances from mine, and that you have expressed perfectly valid liability fears of your own and need to buy insurance because your living situation requires it.
As to why I modified the stove... the European Morso Squirrels have fully adjustable primary air controls so I made mine operational too. I've been using wood stoves for 46 years and so am pretty familiar with their operating principles. Even so, I welcome your opinions because there's always something new to learn.
Greg