Depending on how handy you are a liner install is not a big deal(with a friend or 2)Look on ebay for a liner kit, 300 bucks and up.Scour craigslist over the summer for a good used insert you should be able to come in around or under a grand for the whole job.Luckily you have a lot of time before next winter.You will get a LOT of help on this great forum.