Although wall insulation is now part of the building regs these days, the older buildings (10 + years - ha -Older) tend not to have any.
We have been in 5 houses in NZ now and not one of them had any insulation in the walls. It's like living in the garden shed.
We are lucky enough to have ducted air heating in the house now which is great.
Oil filled electric raidiators tend to be very costly to run to keep rooms warm.
Wood Burners only heat the room they are in or in order to heat the whole house means that the room the burner in is so hot, it is like sitting in a sauna.
However. In the summer you are glad that the house is so cool.
You can't have it all ways. Swings and Roundabouts I suppose.
:? :?