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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.

EIFS has several disadvantages, primarily related to cost and moisture. The system tends to have higher upfront installation costs compared to other siding options, and repairs can also be expensive, especially if water damage occurs. A significant downside is its low breathability, which can trap moisture between its layers from either leakage or condensation. This trapped moisture increases the risk of developing mold and rot, which can lead to costly and extensive repairs if not addressed promptly.

Glass block windows aren’t fire hazards; fire-rated glass block windows can increase your home’s fire safety. Modern glass blocks are made with materials that can resist high temperatures and prevent fire spread. Most offer a 45-minute fire rating, while some increase it to two hours. Compared to the typical 20 to 90 minute rating for a double-pane window, glass block can increase your home’s safety in the event of a fire.

You should have either an ABC or K-rated fire extinguisher in the kitchen. ABC fire extinguishers put out wood, trash, paper, plastic, and textile fires along with grease, oil, gas, kerosene, and electrical fires. A class K fire extinguisher is specifically rated for use in the kitchen and is designed to extinguish combustible cooking materials, including grease and fat.