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Replace hydrotherm with Gas boiler or High efficiency boiler

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I have a hydrotherm hc-135 boiler providing hot water to my radiant heating ( 7 zones, 2 zones in basement connected to poly b inslab, 5 zones connected to based board fin tubes). The boiler is working but my heating bills seem to be increasing during the winters. House insurance would like me to replace the boiler. Does it make financial sense to goto  a 95%+ efficiency boiler (navien, viessmen) or goto a gas-boiler 82% (raypak h135).



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