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Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.

A liter of bioethanol costs $11 and burns for around four hours, making it cost around $2.75 per hour to keep your bioethanol fireplace running. For comparison, natural gas costs around $0.50 per hour, and propane costs around $1.60 per hour. 

How much it costs you to run your bioethanol fireplace largely depends on how often you use it. Hypothetically speaking, if you run your fireplace for four hours a week year-round, you’ll go through one liter of biofuel per week or about $570 per year to run the fireplace.

There are several maintenance tips you should take to ensure your pellet stove's safety and proper maintenance. You should vacuum the ash pan every week to prevent overflowing and clean the stove and surrounding vents every three to four months. It’s also important to get a professional inspection every year and install a carbon monoxide detector close to your stove. Be sure to dispose of hot ashes in a closed metal container; store it outside, away from the house. Only use the pellets recommended by your stove's manufacturer, and follow any cleaning and maintenance instructions.

Your state, city, or even homeowners insurance company may have requirements on how far the outdoor wood furnace should be from the house, so be sure to abide by those regulations. In general, you should install an outdoor wood furnace or boiler as few as 30 feet or as much as 500 feet from the house or any other building.