Here in NY, Pellet stoves are considered a heating "Appliance" . You are required to get a permit, and have it installed by a "qualified technician". I did my own installation with the Vulcan, and had no issues as I followed the code. The insurance was not an issue as long as it was inspected. Pellets are averaging $250/ ton. I really preferred cutting my own firewood on my property, but our wise state now taxes property so high, that it is not worth it to own much.
There is the issue of power outages, because the units need the power exhaust to move the smoke outside. If you get then frequently, it might be wise to also recommend the battery backups. Smokey house = unhappy customers. They also are not really likely to have chimney fires. In fact, I don't think it's possible because they produce no creasote.