Ever consider an outdoor boiler wood stove? Insurance wouldn't/shouldn't be as big of concern and all the mess is outside.

Would definitely get an outside boiler but the town won’t allow them

X2

I thought about looking for a small outside one but I don't know if they make small ones

Quadra fire 2100

my house is old1900 and about 1300sq feet with up stairs

you need one big enough that you can get some wood in the fire box
you can build a smaller fire , let it burn out , choke down the air

on 30 below nights I have a hard time keeping up with the fire have to load it every 2 hours
on 40 degree days I might have a fire in the morning and be good most of the day have another fire at night

This is true with regard to the heat generated, but not the efficiency of the burn or the cresote generated or the pollutants emitted. Stoves are designed for a certain size fire that will give the heat needed while allowing the stove temp to get high enough to burn gasses emitted from the wood that would otherwise go up the chimney, deposit cresote as they cool, and escape as smoke. Burning those gasses also generates additional heat so you use less wood. With a large catalytic combustor stove and a small fire you might never reach the temp needed to swap the flue gas path through the combustor.

as long as my stove was professionally installed on the main floor of the house , no change in my insurance , I called my agent before purchasing the stove.

I know this is not what you are talking about but if your goal is heat this may help? I have a furnace I got from Tractor Supply in East Peoria. I have had it for 15 years and in 2 houses. It made my 820 sf house about 90 degrees and we had to open the windows - now I'm in a 1600 sf house and looking at a bigger one so I don't have to run it so hot all the time. It says Hot Blast on the front and it's a furnace- not a stove so it is attached to our forced air ducts. I put 30'' long pieces in it, It's in our basement. Insurance was fine with it because I also have a regular furnace so this is not the primary heat for the house - that's how they looked at it. We depend on this until it gets very cold and then if needed we supplement with the regular furnace.

When you decide on a stove, be sure to pay attention to the minimum Flue height recommendations,according to your Altitude.

I noticed that while looking through manual for the Lopi. Says 15’ minimum and 33’ maximum from stove to top of chimney.

I have a hip roof and my chimney will be coming out right where the one on the left side is with the line through it

Larry I have looked at furnaces before and do have room in basement but wanting just a regular wood stove for upstairs. If it gets a little warm I don’t mind opening the windows for a bit lol. Still cheaper than our electric/gas bill we get for this small house. Will be calling insurance soon and talk with them… this can always get me worked up. Even worse it seems with age lol

A wood stove in the main area of a home cares not at all whether or not your electricity is working. Not so for any of the wood burning furnaces. The stove is more mess in the house but you don't have to worry about your pipes freezing when power is out for a week. To me as a homeowner, there is nothing worse than being driven out of your own home due to no electricity.

Edp mine does just fine. Im not saying light a candle in it.

Pull out the damper it'll get hot enough. Gets too hot turn it down lol. Clean the chimney once a year. Any stove will work. Wouldn't recommend an outdoor boiler if you want to conserve wood though. You loose way to much energy converting wood to heat then heating water with it, then pumping it into your house. I know a couple guys that have them and the amount of wood they burn is stupid

Rusty, what you have is what you have and it works for you. The OP has the opportunity to "right size" his stove and optimize the outcome. I'm just suggesting he take advantage of that opportunity.