Insurance carries in my area are tightening up on anything wood burning related, I now own the house I grew up in, there has been a wood burner in it all but the last 20 something years, I'm now told I can never again have another one in the house, or nobody will insure the house at all. I can't put an owb in a shed or lean on a building or even a covered open air shelter, it has to sit out on its own a certain number of feet from any building or those buildings won't be able to be insured either.
I've contacted several different insurance companies and their answers are identical, but get his, I can buy any waste oil boiler, build one even, and install it myself, no set rules on the installation in my shop and the insurance company could care less, it won't even raise my rates, I was so skeptical, I had them put that in writing, which they did and compared that to other companies as well, all came back with the same answer.