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A chimney liner is a good thing to invest in regardless of if you have issues or not. Chimney liners increase the safety of your fireplace. Without a chimney liner, the gasses that get emitted during burning could eventually damage the masonry and create a major fire hazard in your home.  

A chimney cap costs about $300 on average to install, with prices ranging from $75 to $1,000. The final cost depends on several factors, including the professional you hire, the accessibility of your chimney, the cap's material and size, whether any repairs are needed, and if it requires custom fabrication. Chimney caps are usually made from galvanized steel, stainless steel, or copper. Copper caps are the most expensive, followed by stainless steel and then galvanized steel. Excluding labor, average material costs are around $100 for galvanized steel, $250 for stainless steel, and $600 for copper. You may also face additional costs, such as hiring a chimney sweep to clean the chimney before the cap is installed.

Soapstone wood stoves hold onto heat the longest, which means you can burn less fuel and enjoy the warmth for longer. Additionally, catalytic wood stoves include a catalytic combustor that can reduce emissions and create a cleaner burn no matter what the stove is made of. Of course, the most efficient wood stoves also tend to be costlier up front—but they can still save you money in the long run.

Fireplace inserts have several potential disadvantages. The cost of the insert and its installation can be a significant investment, as the process can be complicated and expensive, particularly if modifications to the existing fireplace are necessary. Aesthetically, some people find that inserts lack the traditional look and authentic ambiance of an open, crackling fire. There are also ongoing costs for maintenance, cleaning, and fuel. Fuel type can be a limitation; for example, an insert may be unusable if you don't have access to its specific fuel source. Maintenance and repairs can also require specialized services, especially for gas or electric models. Finally, while an insert is more efficient than an open fireplace, it may not heat a home as evenly as a central HVAC system.