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Yes, it’s worth capping a chimney. Here are several reasons to install a chimney cap:

• Keep out rain, snow, wildlife, and other debris

• Help prevent chimney fires

• Reduce your chimney’s exposure to moisture

• Maintain your chimney flue liner

• Help reduce energy bills by helping regulate your home’s temperature

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.

You should only use water to put out a fire in your fireplace in an emergency situation. Even then, it is better to use a fire extinguisher to put out a fire quickly. Make sure every room in your house that has a fireplace also has a fire extinguisher—and that everyone in your household knows how to use one.

If you plan to put a fire pit on a grassy area, be sure to put compacted paver sand down first to help level out the ground and add better heat protection. If you’re placing a fire pit on hardscaping, like a concrete patio, consider placing a fire pit mat down first. This can add more protection from the heat and also protect the look of your hardscaping if you choose to remove the fire pit in the future.