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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.

Yes, capped chimneys should still be vented. Failing to vent a chimney will result in condensation buildup inside the chimney, which commonly results in mold growth. If mold begins to grow in a chimney, it frequently goes undetected and spreads quickly through the home. Mold and moisture can damage the structural integrity of your home, and exposure to mold can cause discomfort and illness in residents.

A chimney without a liner is not recommended. Chimney liners protect the surrounding structure from heat, reducing the risk of fire or structural damage. Just as important, liners prevent carbon monoxide and other toxic gases from leaking into your abode by guiding smoke and gases out more effectively. Remember, installing a liner ensures safety and extends the life of your chimney.

In some aspects, yes, new wood stoves are better than old ones. For example, today’s EPA emission limits for wood-burning stoves are much lower than they were several decades ago. Stoves that meet these stricter standards produce less air pollution, reduce fire risks, and decrease your risk of inhaling harmful particles.