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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.

Once your ashes have fully cooled, you can place them in a heavy-duty trash bag and put them into the bin with your normal trash. If you have wood ash, you can add the ash to your composting pile or sprinkle it over your grass or plants directly for added nutrients.

No, it is not safe to leave a propane heater on overnight. Even if you’re using the heater in a well-ventilated space, the heaters can emit carbon monoxide that can lead to fires. Be sure to fully turn off and secure the propane heater before clearing the area. 

Homeowners insurance can be voided in several scenarios. That can include making too many claims in a short period of time, leaving a home vacant for an extended period of time, renting out a home or room illegally, using a home as a business illegally, and any kind of criminal activity connected to the home.