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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.

No. Pellet stoves are specifically designed to burn manufactured wood or biomass pellets. Attempting to burn other materials, such as regular firewood or paper products, can damage the stove, compromise its efficiency, and even pose safety hazards due to inconsistent combustion and increased emissions. It's crucial to follow manufacturer guidelines and only use pellets that are specifically recommended for your pellet stove model to ensure safe and optimal performance over its life span.

Yes, an electrical fire can start even if nothing is plugged into an outlet. While a correctly functioning outlet poses no risk, a fire can be caused by faulty wiring, damaged outlet components, an overloaded circuit, or other electrical problems hidden behind the walls. If you suspect a fault, immediately turn off the circuit breaker and contact a professional electrician to diagnose and repair the issue.

According to the National Fire Protection Association, dryers and washing machines cause over 15,000 fires a year, with dryers causing about 92 percent of those fires. Because dryer fires are more common than you might think, it’s important to clear the lint trap regularly and have annual dryer vent cleanings.