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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.

If you would rather use vinegar to clean the stone fireplace instead of dish soap, this mixture should work fine. Vinegar is slightly acidic, however, so it may etch some kinds of stone without quite a bit of diluting. For a stone fireplace, dilute it to about one cup of vinegar for every gallon of hot water. It’s a smart idea to test the diluted mixture in an inconspicuous area of the fireplace and watch for etching. You can use vinegar to clean quite a few different items around your home, and it’s especially good at removing stains.

In many cases, it is worth repairing an old fireplace. You can repair any portion of the fireplace, and even extensive repairs will usually cost less than a full replacement. Most fireplace repairs cost around $600 and top out around $2,500. Replacing your fireplace will cost around $2,500 and reach as high as $4,000. Not only will fireplace repair save you money in most cases, but the process is also much less invasive and time-consuming, so you’ll only have to set aside one day to be home for the work rather than multiple days.

Electric fireplaces give off more heat than you might think. Because they don’t lose heat through a ventilation system, which is required for wood-burning and gas fireplaces, they’re able to disperse more heat into the room. However, many electric fireplaces are limited to a max of 5,000 or 5,200 BTU heat output, and you can get more from traditional fireplaces.