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A chimney liner is a good thing to invest in regardless of if you have issues or not. Chimney liners increase the safety of your fireplace. Without a chimney liner, the gasses that get emitted during burning could eventually damage the masonry and create a major fire hazard in your home.  

The best location for a wood stove depends on your home's layout and venting options. For optimal heat distribution, a central location on the ground floor, such as the living room, is often recommended. If you have an existing, functional chimney, installing the stove there can simplify the venting process. Alternatively, placing the stove near an outside wall can make it easier to route a new chimney through the roof. For safety, ensure no combustible materials are near the stove. Building codes typically require 20 to 36 inches of clearance between the stove and any side walls.

While wood stove fans are effective for improving heat distribution, they rely on the stove reaching a certain temperature to operate efficiently. If the stove does not generate enough heat, the fan may not start or may not move air effectively. Additionally, like any fan, wood stove fans cannot cool a stove or reduce its heat output—they only redistribute existing warmth.

Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.