We didn't get nailed to badly, think it worked out to 8$ extra a month. Stove is capable of heating the house.
However when we moved in last year and went from a house with gas heating to oil heating , our rates went up 750$ a year , and that was the best I found.
On a side note .... Last year the neighbours had a small leak in their oil tank that leeched into the soil around the house , was picked up via their sump pump and pumped out to the storm water run off and ended up in a holding pond . WHAT A NIGHTMARE ! $$$$$$$$$$$$$$$$$$$$ . Insurance didn't pay.
Total was around 43000$$$ check your policies.