Greetings everyone. First, let me say this forum has already helped me a lot. Thanks. After cutting wood for others as a teen, here I am in my thirties and finally have my own house with a fireplace. We are going to install an insert thanks to a cracked flue tile and the desire to have the heat get into the house and not up the chimney. Enough babble. As of now, we have narrowed it down to three inserts... Jotul C 550 (450 if firebox is too small...I'll figure that out tonight.), Quadrafire Voyageur, and Fuego Flame. So far all three local businesses that sell and install each of these respectively are great, so I can't even bias my opinion on that. I would appreciate the help. Also, all three are quoting in the $4k range for the inserts + installation. Is this the going rate or is this inflated thanks to the 30% tax thing? Thanks in advance for the input. Oh, we have a ~2300 sq ft home living north of Buffalo, NY. This will hopefully be primary heat when home (we both work) and the gas monster will keep the home from freezing during the day. We have a "fireplace outlet" that sells other brands, but we haven't gotten there yet, so we do have other options too.