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A fireplace hearth is necessary in most areas per building codes, especially for gas and wood-burning fireplaces. Electric fireplaces may not require a hearth, so check local building codes or ask a pro for guidance if you’re leaning toward electric. A fireplace hearth can decrease the risk of flying embers creating a fire and burning your home down. That’s why fireproof material, like tile, is used for the hearth.

You can let a fire burn out in a fireplace as long as you or someone else will stick around to monitor it until it goes completely out. This may take several hours. To prepare, stop adding fuel to the fire well before you’re ready to call it a night. If you’re using the fireplace for warmth, you’ll want to cover up in some blankets as the flame dies down.

Having a pellet stove can indeed raise your insurance rates since they're a relatively common cause of fires in the home. However, rate increases vary by insurance provider so you should reach out to yours to determine exactly how much your rates might increase with a new pellet stove install.

Your pilot light needs to be on whenever you’re using your furnace to heat your home. However, you might decide to turn it off during the summer months, when you don’t need heating. Doing this can save you a little bit of money on utility costs—just make sure you’re fine with relighting your pilot light (or hiring a professional to do it) when fall comes around and you’re ready to get cozy.