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A Vermont Castings fan here. Not sure what they offer for inserts presently, I have a free standing stove. I have put in 2 inserts in previous homes. I did it myself. It was not hard but depending on who you talk to they can make it more difficult. One issue that comes up is reducing the chimney size to match the lower required draw. I never did line the whole chimney & did fine. Some dealers now want you to put a smaller pipe inside your regular chimney.
I just sealed around the insert edge with fire proof insulation & cleaned the stove & chimney every spring. Of course burning seasoned wood is also a plus.
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