Certified stoves, ULC, CSA etc. should meet insurance requirements (you'd have to check on that).
EPA rating, which is all about emissions not safety, is usually a requirement by a province or a state.
I have a small near new EPA rated heater sitting in storage that I would like to give to someone who really has it coming! It's emissions are low because no one in their right mind would bother to use it. Junk!
The emission control crap uses up about a third of the fire box.. It's hell to light, only the finest kindling will do and you have to baby it for a half hour with the door open before topping it up. The design requires loading cross ways so if you get enough wood in it to last a couple of hours don't open the door or burning pieces fall out on the floor. How junk like this can get a safety sticker on it just floors me. I could modify it to work but that would void the certification.
It appears to me that if one needed EPA cert they would have to go to a medium sized stove or larger before it would be any use.
The junk stove is a Drolet Rocket
https://www.drolet.ca/en/products/stoves/rocket/