You're absolutely right - properly installed and maintained, wood burning appliances can be very safe... But if yours wasn't inspected and approved regularly by a WETT certified tech, and if your insurance isn't notified; you will be up shit creek if anything ever happened.
That ain't 'nanny' stuff; that's just a fact.
You have to be kidding? Inspected by a "Certified WETT Tech"? Canada must be regulated way more than we are here.
If that were the case all these fires caused by improper burning of candles would give the insurance companies an out. Not so. A wood burning appliance is much safer than say a fireplace.