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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.

After a house fire, you should not reenter your home unless the fire crew has told you it’s safe to do so. In the longer term, you should not attempt to make repairs to the house on your own. Professional crews are trained to clean up after a fire (including smoke and soot damage), dry out any water damage from the firefighter crews, and make the necessary structural, plumbing, and electrical repairs—and this is all likely covered by insurance.

Yes, you need to leave your chimney damper open when burning a creosote log so that smoke and other debris doesn’t waft into your house as it’s burning. You’ll need to make sure your damper is fully open, even when the log continues to smoke, until it’s completely out and cold.

Yes, you should seal and cap an unused chimney to protect it from damage. Sealing the structure helps prevent moisture damage, which can lead to issues like cracks, spalling, efflorescence, and damaged mortar joints. Capping the chimney is also crucial to prevent blockages, damage from invasive critters, and downdrafts, while still allowing for proper air ventilation to manage moisture. For the best results, consult a chimney professional to select the right type of chimney or flue cap for your home. It's also wise to continue with annual chimney inspections to maintain the structure's integrity.