I am in the process of purchasing my first home and have some questions about getting insurance with a wood stove in the basement. The wood stove in on its own flue, which had a stainless liner put in it a few years ago. However I have been told by a couple people that it is hard to get insurance these days if your stove isn't UL listed. Is this true??? If so, does anyone know if any of the older wood stoves like kodiak, Alaska, schrader, etc. are UL listed? Thanks in advance for any info anyone can give me.