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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, fire extinguishers eventually expire. However, the good news is that a properly stored fire extinguisher can last a decade or longer. They don’t have an expiration date on the canister, but you can check the manufacturing date on the “UL” nameplate near the classification information. Maintenance will also give your fire extinguisher longevity. Check the gauge at the top of the extinguisher every month. You'll want to make sure the gauge needle is in the green section, and if a hose or nozzle has been used or damaged, you need to replace it.

Chimneys should either be sealed or waterproofed, which is different from sealing off—closing at both ends—a chimney. Waterproofing and sealing are both crucial steps to take to prevent water damage and the chimney leaking inside the house. While waterproofing is more comprehensive, both help safeguard your chimney, extending its life span and preventing expensive repairs. 

Yes, a faulty or broken light switch can be a serious fire hazard. Malfunctioning switches, often due to loose connections, exposed wiring, or overheating, can cause sparking or arcing. If you hear a crackling, popping, or hissing sound when you use the switch, it indicates live electricity arcing inside, which is a significant hazard that can ignite nearby flammable materials. If you suspect your light switch is faulty, turn off the power to that circuit at the breaker and contact a qualified electrician to remedy the issue.