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Running a gas fireplace costs approximately $0.35 per hour for natural gas and $0.62 per hour for propane, though these figures can vary significantly based on fuel prices in your area. On average, the annual cost to run a gas fireplace is between $400 and $640. The exact impact on your utility bill depends on several factors, including how often you use it, the size of the room you're heating, and the fireplace's BTU rating. Some models with a constantly running pilot light will consume a minimal amount of energy even when off, although many modern fireplaces do not require one. If you are looking for a more energy-efficient option, consider an electric fireplace.

The answer can vary widely based on a home's age and design. As with any type of remodeling project, assume that every structure is load-bearing until confirming otherwise with a structural engineer. Almost all modern homes have chimneys that are fully independent from the rest of the home's framing. As a result, they don't bear any load beyond their own weight. However, many historic homes built prior to the 1900s contain load-bearing chimneys that tie into the surrounding roof and floor joists. If possible, use a home's blueprints or look for chimney connections that indicate load-bearing qualities to get your answer.

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.

Yes, in most cases, you can remove a fireplace while keeping the chimney. This process requires sealing the chimney at the bottom where it connected to the fireplace and capping it at the top. It is essential to consult a chimney professional or inspection specialist beforehand. They will need to determine if the chimney's structural integrity is sufficient to remain safely in place without the support of the fireplace.