Around our house I prefer the Swheat Scoop and My wife likes the Yesterdays news. We have not been able to find woodstove pellets but have tried woody pet. Both of us agreed woody pet was the worst stuff we had ever used from a mess standpoint. Yes we pay more for a bag of Swheat but being able to scoop efficiently reduces the amount we use so the overall cost per month is less. Our ferrets also prefer the Swheat to other litters. We have put multiple boxes in the cages with different litters in them and the Swheat is always the one they use the most. (besides I get to pick the litter because I do ze poopinze scoopinze) For insurance we have Farm Bureau. We are also fully covered when we take our ferrets out for education days. We have checked around and have not found better pricing, and we had a break in last year with a big claim, everything was handled with no problems and no rate increase. I would highly recommend them to anyone. Ken Nyren Ken Nyren, 10/4/2006 [Posted in FML issue 5209]