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There are six main choices of fireplace inserts: wood-burning, gas, propane, pellet, electric, and coal. Coal fireplace inserts aren’t as popular as they once were because burning coal emits a lot of carbon monoxide. Any fireplace insert will require proper supervision, and it’s a good idea to install a carbon monoxide detector in the room for added safety.

Costs depend on stove type, venting complexity, and additional features like hearth pads or decorative finishes.

Some types of electric fireplaces use more electricity than others. Models that produce 1,500 watts will have more of an effect on your heating bill than 750-watt models. 

Electric fireplaces use an average of $1.85 of electricity every eight hours. These minimal operational costs aren’t likely to make a big difference in your electric bill—unless you’re using it as a primary heating source for your home and it’s running most of the time.

Chimney liners often benefit from insulation, though it is not always required. Insulation helps improve the liner's efficiency by keeping flue gasses hotter, which enhances draft and reduces creosote buildup. It also prevents condensation, which can lead to corrosion. Insulation is important for chimneys on exterior walls or in colder climates. Some building codes may require insulation, so checking local regulations is essential.