We have a heatilator prefab wood burning fireplace and want to change over to a gas unit. We have had 3 estimates. Two companies want to tear out the existing unit; one wants to seal off chimney and vent to outside while the other wants to replace pipe in chimney with coax, insulate chimney, and vent thru chimney. The 3rd company wants to install a gas fireplace insert. We are so confused! From reading online, I notice that most inserts are used with masonry fireplaces. Is it common to install insert in prefab unit? What are pros and cons other than being less money for installation?