I can't explain why the insurance company cares, but mine does!?!?!
I am heating 2500 sq ft. (73 degrees) plus about 1400 of basement (60 degrees). I have a walkout basement unfinished with really cheap windows.
I am burning good quality oak right now and can get about 12 or 13 hours off a half fill. What I mean by half full is basically a triangle in the middle of the burner which I have found seems to be the most efficient.
We went away for 36 hours over Christmas and I stuffed it full full full! and with the T-Stat set to 60 degrees I still had a warm house and water when I got home. I don't think it could go 24 hours if I were to keep it at 73 though.
I have a hard time with the amount of ash some are getting. I think I have maybe 50 gallons worth for the whole year and I think I've gone through 5 cords already (three cords of popple and two of oak/cherry).
You'll be happy with either one
I really think the Ridgewood may end up lasting longer due to the firebox thickness.