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Wood-burning fireplaces typically make homeowners insurance more expensive, simply because they increase the risk for a fire in your home. Gas and electric inserts are less likely to bring up your insurance rates, but you should always speak with your agent to understand how installing any type of fireplace will affect your premiums.

While a hot fire can help heat up and loosen tar within your chimney, making it a recommended step before using a creosote log, it will not burn off significant existing buildup on its own. Attempting to remove built-up creosote with a hot fire is dangerous and can cause a chimney fire. For safe and effective removal of caked-on creosote, the best approach is to hire a professional chimney sweep.

Baking soda is an effective fire reduction method. However, flour and baking powder are very dangerous around flames. Flour is flammable and it can also conduct electricity. The combination can cause serious injury from electrical shock and worsen the situation by adding fuel to the fire. Baking powder is also not an option as it's also highly flammable. 

Attics often contain a mix of insulation, electrical wiring, and other materials that can pose fire risks. That’s why furnaces should be installed in the attic with proper insulation and clearance from combustible materials. Additionally, the furnace should be equipped with proper ventilation and heat shields to prevent the buildup of excessive heat in the attic space. Regular inspections and maintenance are also crucial to identify and address any potential fire hazards.