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There are a few things you can look out for to ensure your chimney is safe to use. Check for the following issues:

• Cracks or missing pieces in the masonry of the chimney

• Creosote buildup in the chimney, which is a black, tar-like substance

• Cracks, stains, or scorch marks in the firebox

• Water stains in or around the fireplace

• A broken or stuck damper

Yes. It’s okay to leave a pellet stove on overnight, and these stoves can provide 24 to 48 hours of warmth from one ignition. However, you should practice proper pellet stove maintenance, like cleaning the burn pot before each use, deep cleaning the unit at least once per year, and running the fan when the stove is lit.

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.

If a light switch is off, it’s very unlikely to cause a fire. For a fire to start, the switch has to be on, activating an electrical current, and the wiring must be faulty. However, the malfunctioning light switch could cause an intermittent current to move across the electrical wire. This issue could become a fire hazard with another device connected to the wire. You should replace the bad light switch as soon as you notice it or call an electrician.