I don't think you will usually have trouble getting Homeowners insurance if you have a wood-burning fireplace. But I can understand the company wanting a chimney inspection by a certified technician (sweep). The homeowner should want that too, given the risks of fire. Creosote build up is a real hazard, as are defects in the chimney. Coincidentally, a home in our area burned to the ground just two days ago, due to the fireplace.
If you have a wood-burning stove, it is more problematic. I can see insurance companies shying away from them. Again, an inspection is recommended. Of paramount importance is clearance from walls and flammable surfaces. Also, the floor around the stove must be nonflammable. Guidelines are easily found.
Fireplace versus insert is a personal choice, but I vote for the insert. Fireplaces are dirty. Their smoke cam make walls dingy. And the particulates that are released into the air, believe it or not, affect others. I am moderately sensitive to this. When in my house, I can tell if anyone is burning wood in the area. And sometimes it irritates my respiratory system.
Some people will see blazing fires as romantic. And some people consider it manly to build a fire. So, I don't expect all fireplaces to go unused, despite their drawbacks.
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