You need to read ALL of the posts and you'll see he isn't talking about a 1000 sq ft house but a MUCH LARGER one.In western New york it is not considered a legitimate "primary heat" source for homeowners insurance, because it is not central heating. Insurance wants a normal furnace and ductwork. Free standing stoves are considered "zone heaters"...this also includes B-vent and direct vent gas space heaters. One way to get around the insurance BS is maybe to think about slapping some electric baseboard heaters in. I wonder if you could consider the electric baseboard your legal heating on "paper". It sounds like the home you are building is small, like a cabin. Anyway, you should put in another space heater-heat source, because pellet stoves need to be shut down for maintainence and also they act up- fail to ignite and dont always keep room temperatures as consistent.