Right now I am in a three unit building that I have near downtown. In my case, they would allow me to add a listed wood stove, or a fireplace but it would double the premium. I can't realistically add a wood stove to my apartment there because of the increased cost of the insurance, vs. only heating my unit of the building with it (unless the cost of heating drastically changes). I wouldn't trust some of my tenants over the years with a match, let alone a wood stove, so I never entertained the idea of returning the original fireplaces from 1869 to function or adding wood stoves to those units. If I get a single family home at some point in the future, I will definitely add the wood stove and eat any added insurance. I like your installations apparent goals of do it once and do it right with the stone and the stainless. Youv'e gotten at least 10 years of use out of it so far it seems. Rich