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Beyond having an inspection, it’s important to do chimney maintenance at least annually to be certain the chimney is safe to use. Cleaning the flue of any built-up particles, creosote, and soot reduces the risk of fire. Fortunately, the cost of hiring a pro to do a chimney inspection often includes a chimney cleaning, so you may not have an extra expense for maintenance.

Generally, an oil furnace is considered safer than a gas furnace for several reasons. While both types of furnaces can produce carbon monoxide, a leak in an oil furnace is easier to detect due to the smell. Oil furnaces also don't connect to a gas pipeline, which reduces the chance of a fuel leak. Most importantly, heating oil is not combustible, whereas natural gas is highly flammable. This means there is a much lower risk of combustion or explosion with an oil furnace. However, an oil furnace can still pose a fire hazard if it tips over.

A spark arrestor is a simple metal mesh device that prevents flammable particles from escaping from a combustion source and causing a fire. You typically find these attached to gas or diesel engines on things like cars, generators, and garden tools (lawnmowers, chainsaws, etc.). Fireplace or wood-burning stove chimneys also have spark arrestors attached to or sitting under the chimney cap to capture burning embers.

While adding fire sprinklers to your home, you may want to consider other fire prevention and protective measures. Get your smoke alarms and CO alarms inspected and replaced, if needed. Add fire doors to vulnerable areas of your home. Inspect or purchase fire extinguishers. For exterior protection, consider fire-smart landscaping practices .