My last house (rental) had a 1980's Lopi insert in the basement that we fell in love with compared to the open fireplace upstairs that ate wood and didn't put any heat out. Now we have our own house with a fireplace that we'd like to get an insert for. The home inspector said the motar in the firebox needs fixing, and I'm thinking with an insert, that won't be an issue. Do I also want a chimney liner? What kind of insert should we look at? We're on a budget, so the best for the amount of money comes into play. We also have small children, and put a dog kenel fence "perimeter" around the stove to keep their hands off it. Any suggestions to get started? I was initially looking into pellet stoves, but this will be used more for ambiance and warming just the living room, hot heating the whole house. I don't know if the increased cost and complexity is worth it.
Here's a pic of the fireplace (previous owner's furniture, not mine!)
(broken image removed)
Here's a pic of the fireplace (previous owner's furniture, not mine!)
(broken image removed)
There are other reasons that people have when deciding insert or freestander, and in the end, you folks have to weigh the pros and cons. Don't make a snap decision, though. Make the right choice now and be happy for many years to come. 
![[Hearth.com] New here- shopping for an insert [Hearth.com] New here- shopping for an insert](https://www.hearth.com/talk/data/attachments/108/108419-3db13d08c0d132c7b89ce84ce385b268.jpg?hash=Iv8nvxOQQl)
![[Hearth.com] New here- shopping for an insert [Hearth.com] New here- shopping for an insert](https://www.hearth.com/talk/data/attachments/108/108420-860d7bedb128883588708b9ec2ec4240.jpg?hash=7gCTX-bYmL)