Good morning, Everyone. It appears our 20 year old oil furnace may be dying. We haven't been in our house long and, fortunately, it came with a home warranty which may cover the repair (I'm waiting on a callback) but I've had to have the furnace looked at already once this week before it stopped running again. Rather than continuing to throw good money after bad (and that I had planned on converting to a natural gas furnace eventually anyway), I'm leaning towards either installing an insert or replacing the oil furnace with a NG one. Our house is just over 3,000 square feet total. We have a pellet insert in the basement that covers about 600 square feet of living space in the rec room. The other side of the basement is a shop and laundry room. I can open the doors and get good warmth from the insert there. The main level is about 1,600 square feet where the current builder-grade ventless NG logs are. Then we have a converted attic where our master bedroom is just above. We have R-12 insulation on the main level and in the attic's crawlspace above our bedroom. The windows are fairly new vinyl replacements. I've been kicking around the idea of installing a fireplacextrodinair 616 or 34 DVL insert in the living room on the main floor. We have ceiling fans in the living room, all the bedrooms and the kitchen (not in the dining room) which may help with circulation. However, since our oil furnace seems to be on the fritz, I'm now leaning towards replacing it with a NG furnace. Based on my research, it may be less expensive to go with the insert, however, it may be more expensive month-to-month to run if using it as our primary heat source. I'm debating about going with the insert first or the furnace first. Thanks much, in advance, for any insight y'all might provide!