I have the excel instant heater. Works great! ran another propane
line from the locker to the stbd bow of my cat. Heater shares a seperate compartment with the holding tank
and eventually a water maker as well. No danger
of gas build up as the area is ventilated with a nicro solar
fan aft and vent cap forward.
The key to propane
safety is to leakcheck periodically, and have thermal safety valves which all appliances
will be designed with.
As far as insurance
, mine didn't care when I asked about a propane fridge. BTW I went with AC/DC only fridge as I couldn't fit it into an isolated compartment.