Get matched with top fireplace pros in Baraga, MI

Home insurance prices depend on where you live and the individual insurance company's policies. Some insurers charge a flat fee for fireplaces or wood-burning stoves, which is often a few hundred dollars per year. Other insurers base this fee on a percentage of your annual premium. You may want to check your current or prospective policy before beginning this project.

Gas-powered fireplaces seem to be the most desirable type for homebuyers, per a Redfin report on homebuying trends. That said, any fireplace that has been maintained well and is in safe, working condition could be a draw for buyers, regardless of whether it uses wood logs, propane, or electricity as fuel.

The National Fire Protection Association (NFPA) says that chimneys and their associated elements like fireplaces, vents, or stoves should be cleaned at least once a year before the start of seasonal use. According to the Chimney Safety Institute of America, a chimney should be cleaned when there is 1/8 inch of soot buildup. If there’s more than that, creosote—a flammable byproduct of burning wood—can form and increase the risk of a chimney fire.

Although no heating appliance can be entirely risk-free, a fireplace insert is considered a safer alternative to a traditional open fireplace, thanks to their enclosed design. With a sealed combustion chamber, a fireplace insert effectively reduces the risk of sparks and embers escaping into the room, minimizing the chance of an accidental fire.

Additionally, an insert comes equipped with various safety features, such as tempered glass doors that create a barrier between the flames and the surrounding space. This enhances both safety and energy efficiency by preventing heat loss. As an added bonus, many inserts are designed to meet strict safety standards that ensure proper ventilation and combustion.