liviyoda,
It dont say where you live, but if it is up north where it gets cold,consider a free standing stove of the 1800 sq ft varity, suggest a
www.englanderstove.com
found at home depot & ace hardware as being an economical workhorse that don't cost much
compaired to some other high end stoves,
with excellent quality & well backed up by the family owned business in monroe,Va.
a free standing stove is nice because it can be installed in the room that the heat can travel to the rest of the house easiest from. Do get the blower for the stove, as they really push the heat out to where it is needed.
Another thing nice about a free standing stove that can't be done with an insert is the ability to place a 24 inch box fan behind the stove or from any other advantagious angle & blow the heat right to where you want it.
Take a hard look at your house with an eye for natural hot & cold air convection flows to & from where the stove will be & the areas that you want to heat. This will help determine where to place the stove to your best advantage.
I recommend the 1800 sq ft size stove, even though you say your house is only 1300 sq ft
for 2 reasons:
The bigger fire box gives better & longer overnite burns that a small size stove won't do -because it don't hold enough wood to overnite burn.
And , to give you some extra heat for a cold nite or if you later decide to heat an additional room.
You can always put less wood in a larger stove if it is too hot & turn down the primary & secondary air control to cut down the temps, but you can't put more wood in a small stove than will fit into it & may end up running the stove full tilt 24/7 if it don't put out enough heat for your needs.
A lot depends on weather you have a mild climate (southerner) or an ice box (northerner).
a southerner can usually get away with a small stove but a northerner should but the biggest
size appropiate.
I don't much care for inserts. i don't like the idea of the stove being stuck to the fire place location. & the fireplace location may not be the best location for heat transfer to other rooms.
Also, a free standing stove can come with you if you move to another house for some reason.
A free standing stove can be installed in front of the fireplace & use the fireplace chimney & you can still get a box fan behind it. The flue pipe goes into the fireplace, just under the top & the rest of the opening is sealed off up inside the fire place with just the flue pipe going thru.
You can even brick up the fireplace & put a clean out door in the fireplace front, so there are two ways to install a free standing stove in from of a fireplace.
I have not seen your house so don't get worked up if I make suggestions that don't fit your setup. The final say is yours.
Just my opinions, 4 what they are worth.