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Installing a fireplace insert can get you more heat without replacing the whole fireplace and chimney. Other benefits include their convenience (you can turn them on and off with a simple flip of a switch), safety (most models have built-in sensors that will turn off the fireplace if they detect carbon monoxide), a modern aesthetic, and superior energy efficiency.

The cost difference between a gas fireplace and a wood-burning fireplace depends on the type of wood-burning fireplace installed. The cost to install a gas fireplace tends to be cheaper than the cost to install a brick wood-burning fireplace. Installing a gas fireplace costs about $3,600 on average, whereas the cost to build a masonry wood-burning fireplace can go up to $30,000. The cost to install a wood-burning fireplace insert or stove can cost from $700 to $6,500, about the same as a gas fireplace on average.

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.

The installation cost for a brick or stone gas fireplace typically ranges from $3,500 to $12,000. Key factors that influence the total expense include the type of material chosen, labor costs, the setup for the gas line, venting requirements, and any custom design elements.