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A fireplace hearth is necessary in most areas per building codes, especially for gas and wood-burning fireplaces. Electric fireplaces may not require a hearth, so check local building codes or ask a pro for guidance if you’re leaning toward electric. A fireplace hearth can decrease the risk of flying embers creating a fire and burning your home down. That’s why fireproof material, like tile, is used for the hearth.

Attics often contain a mix of insulation, electrical wiring, and other materials that can pose fire risks. That’s why furnaces should be installed in the attic with proper insulation and clearance from combustible materials. Additionally, the furnace should be equipped with proper ventilation and heat shields to prevent the buildup of excessive heat in the attic space. Regular inspections and maintenance are also crucial to identify and address any potential fire hazards.

You don’t have to put smoke detectors in every room. At a minimum, though, there should be one on every level of your home, one in every bedroom, and one in the hallways outside the bedrooms. If you have a floor without bedrooms, place a smoke detector in the living room or next to any stairs that lead to an upper level. Attics and basements should also have at least one smoke alarm.

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.