Get matched with top fireplace pros in Algona, IA

For many people, the primary disadvantage of a gas fireplace insert is that it doesn’t look or smell like a classic wood-burning fire. Additionally, the labor costs of installing a gas insert are higher than some other types of fireplace inserts, including electric and pellet inserts. There are also limitations on where you can install ventless gas fireplaces because they’re banned in certain places (including California).

There is no universal remote that will work for all gas fireplaces or electric models. That’s because different remotes are designed to work with specific fireplace wiring, so some remotes may only work for on/off functions, while others work with fireplaces that have extra settings, such as timers or programmable thermostats. If you need a new remote, ensure the replacement is compatible with your specific fireplace model.

Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.

Home insurance prices depend on where you live and the individual insurance company's policies. Some insurers charge a flat fee for fireplaces or wood-burning stoves, which is often a few hundred dollars per year. Other insurers base this fee on a percentage of your annual premium. You may want to check your current or prospective policy before beginning this project.