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Having a pellet stove can indeed raise your insurance rates since they're a relatively common cause of fires in the home. However, rate increases vary by insurance provider so you should reach out to yours to determine exactly how much your rates might increase with a new pellet stove install.

Baseboard heaters are generally safe and efficient, but they can be dangerous if safety precautions are not followed. To ensure safety, do not block the heaters with furniture, drapes, open doors, or other items, and maintain clear space around them for proper heat flow. Regularly check that items have not fallen on or under the units. If you have children or pets, make sure they stay clear of hot heaters to avoid burns. For added safety, consider models with an automatic shut-off feature and have them professionally tested. If a problem occurs with a baseboard heater, always contact a qualified electrician or HVAC professional for repairs.

Fire doors are constructed to have certain resistance levels regarding fire. A traditional door can typically resist fire for less than one minute, whereas fire doors can resist it for 30 to 120 minutes, depending on the fire door rating. Fire doors give you and your family a better chance of safely escaping during a fire than standard doors. 

Yes, an electrical fire can start even if nothing is plugged into an outlet. While a correctly functioning outlet poses no risk, a fire can be caused by faulty wiring, damaged outlet components, an overloaded circuit, or other electrical problems hidden behind the walls. If you suspect a fault, immediately turn off the circuit breaker and contact a professional electrician to diagnose and repair the issue.