Talk to your insurance man, I did... That's why I'll have either my furnace with pilot-less ignition or underfloor heat. If I were to have a pellet stove, it would be in a building separate from the shop with the heat piped in. Open flames, no matter how well hidden, have no place in my shop!!!!!!! Those who didn't mention higher rates on their insurance for wood stoves and fireplaces probably forgot to "mention" it to their insurance agent!!!!!!

All your talk about heating is good, but IMO no amount of money "saved" from this unit to that will equal what good insulation will save!!!!! My ceiling has 10" roll insulation, with another 10" blown on top of it, sidewalls are 6" open insulation with a 4 mil vapor barrier, then Tyvek wrapped on the outside. Don't forget good ventilation in the attic, too!!! No heating system can be efficient without adequate insulation.

The "national average" figures I've seen only seem to include big cities from Chicago to the east....