I have bro, insurance is a real cocksucker for pellet/wood stoves.
I live in a "modular unit" (thats right buddy, not just white trash online...I live that shit) so because it's like 14ft wide n' 40ft long oil/propane is a huge waste of fuel. Unless my daughters are here I only use 1/3 of the trailer....so for 12 days at a time I'm heating space I'm not using.
With baseboard heaters I can adjust the temps in the rooms as I see fit.
This oil filled heater is the shit. I had it cranked to the tits and walked in there about 9am...realized I had to put it on its lowest setting or the temps in the cab would be higher then with lights on. lol Awesome.