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Yes, splicing wires can cause a fire if the splicing is done incorrectly. This is why splicing wires is a task best handled by electricians. One of the most common mistakes made when splicing wires is not using a wire connector. Without a wire connector, electricity flows unsheathed and can result in a home electrical fire.

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.

A spark arrestor is a simple metal mesh device that prevents flammable particles from escaping from a combustion source and causing a fire. You typically find these attached to gas or diesel engines on things like cars, generators, and garden tools (lawnmowers, chainsaws, etc.). Fireplace or wood-burning stove chimneys also have spark arrestors attached to or sitting under the chimney cap to capture burning embers.

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.