I live in Central Jersey close to the coast. My goal is to heat the house with the stove with limited supplementation from oil heat. The fireplace is located in the center of the home with an interior chimney and a stairway to the upstairs approx. 8 feet from the fireplace. Since our home is a small Cape Cod a freestanding stove would take up too much space. When we were hit by hurricane Sandy I was able to maintain a comfortable temperature by burning the fireplace throughout the day. Since the home is an older home I am sure that it is a masonry fireplace. As far as budget is concerned, my goal is to get the best product for the best price. Last year I spent approx. $1300-1500 on oil. I don't want to do that again. I would like to heat the downstairs. I am not worried about he upstairs because I can just throw on an extra blanket or two. I have looked at a few models, Travis, Napoleon, Flame, but am unsure what would be the best unit. I am assuming that I need a steel stove with a blower. I have a friend that cleans chimneys and he told me that you can't go wrong by buying a stove because they all are basically the same. Since I am going to be using the stove a long time I would like to get good one.
Ps. I have about 4 cords of seasoned wood ready for this year
I tend to agree with your friend. Pretty much all inserts on the market will be able to heat your house for many years. Most people are really happy with the unit they have. One big difference will be whether you want a catalytic or a non-catalytic insert. Catalytic stoves have the advantage of a more even heat and longer burn times than non-cats. If you are concerned about heating yourself out of the house in the shoulder season (late fall, early spring) or you need to leave the stove unattended for more than 10 hours but still want to keep the house warm, a catalytic stove is certainly something to consider. The drawback: They are usually more expensive than non-cats, the catalyst needs replacing maybe every 5 to 8 years, and you have to be really careful not to burn any treated wood or colored paper.
You also need to decide how much of the stove you want to have sit on the hearth. The more an insert sticks out the easier it usually will be to heat without the blower on. Plus, you can also warm up some soup etc. on the exposed top if the power is out. A flushmount insert may look more appealing but relies more heavily on the blower to get the heat out. The rest is in the details like whether you want a North-South loading stove versus an east-west one. (North-South means you look at the ends when putting the wood in, E-W you put them in sideways.) N-S is usually easier to load as you don't need to reach back in the firebox but some people here think E-W may get better burn times when loaded properly.
You did not say how large your house is but it sounds like it is not that big. Assuming you have about 1200-1300 sqft a medium size insert with a firebox size of 2 to 2.5 cu ft should suffice. I would not go smaller as you will have problems getting a good overnight burn. For a recommendation: I have the Pacific Energy Super insert with a 2 cu ft firebox. It is non-catalytic but gets some of the best burn times for such a medium-size insert (~ 9 hours in my hands, which means the stove is still warm in the morning and has plenty of coals left for an easy reload). The baffle system is one of the sturdiest in the industry. The blowers sit on the sides which still allows a good convective air loop around the insert when the blowers are turned off. The blowers are noticeable but not annoyingly loud and I often switch them off after about the first two hours of burning. Many happy owners here. Other inserts to consider (non-exclusive list):
Enviro 1700 series: 2.5 cu ft firebox if you have a larger house than I guessed or you want to have some extra capacity for the middle of the winter.
Regency I2400
Lopi Republic 1750 or Lopi Cape Cod insert if you like the flush look
Osburn 2000: 2.4 cu ft firebox giving you some extra room in the midst of winter; Osburn Matrix if you like a contemporary look
Jotul Kennebec 450
Napoleon 1402
Hearthstone Clydesdale for a different look
If you want to go catalytic:
Either the Buck 20ZC with 1.9 cu ft firebox or the 80ZC with 2.6 cu ft firebox size would be a possibility depending on the size of your house.
BlazeKing Briarwood II
I would suggest to shop around, see which look you like best, and to get a feeling which dealer may offer good service even after the install. When you have nailed it down to 2 or 3 different ones you can come back here and ask for some specific opinions about each model.