As an Insurance Inspector myself, I see a lot of variation between companies.
For one client company, if I encounter a wood stove in either the house or an outbuilding, I'm required to fill out a separate two page report on it. For another company, if there's a wood stove present, they just want to know it's there, no particulars.
The thing is, you wouldn't believe the contraptions I've seen people cobble together for a wood stove, and then expect to get it insured. In general, if the stove is UL approved, installed PER MANUFACTURER'S SPECS, and inspected by the local fire chief, there shouldn't be a problem with it, although an insurance company may put a WS surcharge on the policy.
And you also can't trust that a professional installer will do it right. I recall one situation where I was sent to specifically recheck a wood stove installation in the living room of a house on an acreage. The underwriter didn't like something he'd seen on a photo from the insurance agent. I felt sorry for the young couple that owned the house. They'd paid a professional fireplace installer $2400 to install the wood stove, and the installer had run five feet of single wall chimney horizontally four inches from away from a combustible wall for the entire five feet.
I could cite other instances.
As I said, in general if a wood stove is quality construction, UL approved, and installed per the manufacturers specs, there probably will be no problem. Insurance companies like to see a stove sitting on a non-combustible surface extending at least 18" in front of the stove, and any adjacent walls having non-combustible protection at least 18" from the unit. It's when DIY'ers cobble stuff together that things become sticky.
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