If you go for a pellet stove, you might want to talk with your insurance company first. Not all stoves are equal, and not all installations are viewed with favor by insurance companies.
When I was doing insurance inspections, I really felt sorry for one young couple. They'd bought a high dollar wood stove and paid $2400 to have it professionally (so they thought) installed. Their insurance company got a bit nervous and asked me to check it out.
The upshot was, everything about the stove and installation was per code except at one point the pipe ran horizontally for several feet about 4" from a flammable wall. A wood stovepipe running horizontally, and 4" from a flammable wall, are both big time no-no's. And from where the stove was set, there were no other options for the pipe. My job was not to make decisions, I just reported what I saw at that point in time, so I turned in a report with copious photos and heard no more about it.
I suspect the outcome was to completely tear out the original installation and move the stove to a location where the pipe could be properly installed. I have no idea if they had any recourse against the company who installed the pipe, although a reputable, professional installer should have refused to install the pipe that way.
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Today's Featured Article - Old Time Threshing - by Anthony West. A lovely harvest evening late September 1947, I was a school boy, like all school boys I loved harvest time. The golden corn ripens well and early, the stoking, stacking,.... the drawing in with the tractors and trailers and a few buck rakes thrown in, and possibly a heavy horse. It would be a great day for the collies and the terrier dogs, rats and mice would be at the bottom of the stacks so the dogs, would have a busy time hunting and killing, all the corn was gathered and ricked in what we c
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