We recently bought a new house. It's less than 10 yrs old and in a rural area of MA, prone to lots of snow. The house is 2,800 sf, and has 2 fireplaces with one chimney, 2 flues. The fireplace is in the cathedral living rm on the 1st floor (see pic). The 2nd fireplace is beneath it, in the (walk-out, unfinished, but insulated) basement.
The house has a large 2-story foyer. The master suite is on the opposite side of the house from the fireplace, over the garage. The 1st floor has 9' ceilings. The 2nd floor has 8' ceilings, and vaulted 10' ceilings in the master.
The house has a hydro-air oil heating system. It's is rather cold & used a 1/4 tank of oil less thsn 10 days! I'm looking for a cheap heating supplement. I like the idea of pellets, but pellets were $6/bag here this winter and oil was $2.30. We have access to some free wood from our land, but it's off- site and we don't have a truck.
I'm researching wood & pellet burning inserts. I definitely need something that would work when the power is out (we get storms).
We are in our 40s, and I'm not enthused about the idea of cutting & hauling wood in, though it's easily available.
And right now, I'm the only person home during the day to keep a fire going. I can't lift more than 40#. The garage is slightly over-sized, so we could carve out a 4'x6' area for fuel storage, but the garage is at the opposite side of the house.
In addition to the masonry fireplaces, there is one exterior corner in the dining/kitchen where we could put a pellet stove. See pic. Im also open to the idea of buying a pellet stove AND an insert (if I can do it affordably). I think my budget for an install this summer wiuld be $3500-ish.
We used the fireplace for the first time last night - it wasn't warm & smoke detectors went off.

Needs a cleaning I think.
Any advice would be appreciated.
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