Roadwarriorsvt, I'd think that if you had a policy that didn't include a wood burner and had a fire the ins co could probably skate on paying for damaged if it could be linked to the wood burner. Ins companies are very good at being able to avoid paying for that which would seem covered. When I was a kid someone threw a rock through the back window of my car. Did'nt have full coverage so my dad called their/my ins guy to see if their home owners policy would pay for it. Answer was that since it was parked in the yard, not the driveway it was considered improperly parked and therefore not covered.

Do nature a favor, spay/neuter your pets and any weird friends or relatives.