NOVELTY - An indoor heat and electricity generator has a thermophotovoltaic generator insert with thermophotovoltaic converter assembly, circulation fans (31), fuel source (39), air blower (29), mixing chamber (43), combustion chamber (57), infrared emitter (55), thermophotovoltaic cell receiver, fins (59) and flue pipe (7).    USE - For generating heat and electricity to heat a room and to power small appliances. The generator prevents pipes from freezing during prolonged power outages.    ADVANTAGE - The apparatus not only generates heat and electricity, it also prevents pipes from freezing during prolonged power outages.    DETAILED DESCRIPTION - An INDEPENDENT CLAIM is also included for a method of indoor heat and electricity generation comprising (a) providing a thermophotovoltaic generator insert with a thermophotovoltaic converter assembly for circulating indoor air with circulation fans; (b) supplying fuel source to the converter assembly; (c) supplying combustion air using the air blower; (d) mixing combustion air and fuel; (e) combusting the fuel-air mixture and producing hot combustion gases for heating the infrared emitter along the combustion chamber, the emitter emitting IR radiation when heated by gases; (f) providing IR radiation to a thermophotovoltaic cell receiver with cells around the emitter for converting IR radiation to electric power; (g) cooling the receiver using fins extending from the receiver; and (h) exhausting the combustion gases through a flue pipe connected to the combustion chamber. Preferred Features: Each thermophotovoltaic cell panel contains 40 thermophotovoltaic cells. The cell panels produce 80-160 Watts of electricity. Each panel is 2 inches high by 10 inches long. Heat output is 20,000-30,000 BTU per hour.    DESCRIPTION OF DRAWING(S) - The figure is a sectional end view showing the internal parts of the unit.    Flue pipe (7)    Air blower (29)    Air circulation fans (31)    Fuel source (39)    Mixing chamber (43)    Infrared emitter (55)    Combustion chamber (57)    Cooling fins (59)