UL approval is sometimes an insurance requirement.
my insurance company did not raise my rates as long as 1 I purchased a UL listed stove and chimney pipe , 2 it was on the main floor of my house , 3 I had it professionally installed.
500 dollars to have it installed including the chimney through the 12:12 pitch roof best 500 dollars I think I ever spent I have more than that every year on heating oil
since it is 80 out side I am declaring the heating season over I bough 150 gallons of oil this year. I had been buying 750 gallons before the stove.
time to fill the tank back up and be ready for next year