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Wood-burning fireplaces typically make homeowners insurance more expensive, simply because they increase the risk for a fire in your home. Gas and electric inserts are less likely to bring up your insurance rates, but you should always speak with your agent to understand how installing any type of fireplace will affect your premiums.

While a hot fire can help heat up and loosen tar within your chimney, making it a recommended step before using a creosote log, it will not burn off significant existing buildup on its own. Attempting to remove built-up creosote with a hot fire is dangerous and can cause a chimney fire. For safe and effective removal of caked-on creosote, the best approach is to hire a professional chimney sweep.

Avoid using abrasive cleansing powders on natural stone, as these products could damage the porous material. Using bleach is also a poor idea because of the porosity of the stone. Avoid using a scrub brush with metal bristles, as they could scratch the stone. If you know who manufactured your stone or who installed the fireplace, you may want to contact that entity for any advice on cleaning it safely.

Deciding when to replace your fireplace depends on its condition and your preferences. Replacements may be necessary if your fireplace shows extensive damage, safety issues, or inefficiency. Signs include deteriorating masonry, cracked firebox panels, or a faulty chimney. Aesthetic reasons, such as outdated design, can also drive replacement. Wanting something more sustainable and energy-efficient is another good reason to replace your old fireplace.