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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.

It’s technically possible in some areas to install your own fire suppression system, but it’s usually not a good idea. Your system must conform to the fire code in your area and will need to pass a rigorous inspection before being activated and deemed safe. Installing a fire suppression system is a complicated job, and making mistakes as a DIYer is likely. Those mistakes can cause you to fail your inspection, which means you’ll have to spend more time fixing the issues or money to have a certified plumber do the work for you. It’s best to hire a professional.

Disposable fire extinguishers are good for anywhere from 10 to 12 years, but check the documentation that accompanied your specific model to make sure. Additionally, there are rechargeable models out there that last 12 to 20 years, but they require a professional inspection every six years.

A chimney requires both a cover and a cap, but these parts often get confused with one another. A chimney cover seals the top of the chimney around the flue pipe to prevent water from entering the chimney. A chimney cap is a piece that sits above the flue to prevent animals, debris, and water from entering the flue.