Thank you so much, all of you who have chimed in to the ongoing discussion. Obviously this is something lots of us have wrestled with.
Because the insurance situation isn't something I can change at the moment (the house belongs to an estate and isn't mine yet), I'm going to have to go the non-woodstove route for the time being. The decision then is to go big(ish), or go small(ish). What I am currently thinking:
Going big(ish): Getting a large, yet portable generator that can keep much of the house in power (i.e. gas furnace, fridge, freezer and some lights). Thinking of something like this:
https://www.lowes.com/pd/DuroMax-DuroMax-12-000-Watt-18HP-Dual-Fuel-Portable-Generator/1003052264. It's about a 2,000 sf home. However, I can honestly live without the electric stove, washing machine, dryer, and even lights if necessary. We have other backups for those.
That said, David, do you think that size generator is overkill? I know the gas furnace with electronic ignition and blower would not use that much. But since the furnace is hard-wired and a transfer switch would be necessary (with the expense of installation), would it be wiser to spring for a larger one to cover more items, even if we could live without some of them?
It sounds like it would be best to get at least a 100 gal propane tank to run this. If the SHTF in a big way, an even bigger one would be better. Alas, I have some 20 gal tanks and even a 30, but I know they recommend at least 40 and these things run through propane pretty fast, it sounds like.
I do have a Generac 3300 (inherited) that runs on gasoline only. Not a great solution if the power was down for days, I'd reckon. But it could handle the fridge or freezer until we ran out of gasoline!
Going small(ish): Using the existing gas line to plumb in a ventless gas wall heater or stove of about 30,000 btu (as some have suggested). This would keep us and the pipes from freezing so long as the natural gas supply held out. We could live without the fridge (esp. if the outside was like a fridge), etc. etc. I could plumb into propane for this as well, but it would be more complicated.
Maybe...do both the biggish and smallish together?
Hmm...