You're going to have a fight with the insurance company and, most likely, lose on this one...
A tip. Build your wood stove into a fireplace. (Probabably not this one) When the insurance co. asks if you have a wood stove you can say,"just a fireplace" and you won't have any trouble.
I have a stove insert fireplace that we heat our MN house with. Insurance companies are on wood stoves like flies on s#$% around here. The insurance guy was just here last week. The above answer sent him away without raising an eyebrow.
Back in the late 70s and early 80s, after the last energy scare, a whole bunch of fools burnt their house down that didn't know how to burn wood for heat. You can bet the insurance companies are anticipating this happening again.
Karl