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Fireplaces questions, answered by experts

Wood-burning fireplaces typically make homeowners insurance more expensive, simply because they increase the risk for a fire in your home. Gas and electric inserts are less likely to bring up your insurance rates, but you should always speak with your agent to understand how installing any type of fireplace will affect your premiums.

Gas, electric, and inductive. Technically speaking, inductive stoves also fall under the electric stove category. However, they use electromagnetic energy to turn the cookware itself into a heat source instead of heating the burner to heat the cookware. As a result, they ensure precise temperature control, which is often the biggest complaint from people switching from gas to electric.

No, not all chimneys need a damper. However, most chimneys do, especially in newer homes. Most gas-burning fireplaces cannot function safely without a damper. Only some older wood-burning fireplaces can function safely without one. A chimney without a damper is essentially just an open hole in the roof of your home.

The time required for a chimney inspection depends on the inspection level. A Level 1 inspection typically takes between 45 minutes and two hours, with an average of about an hour and a half. A Level 2 inspection usually takes less than two hours. A more in-depth Level 3 inspection can take up to five hours, or even multiple days if it requires removing materials. The total duration also depends on the chimney's size, condition, and how long it has been since its last inspection; chimneys with severe damage will require a longer inspection.

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.

The Kingston, MI homeowners’ guide to fireplace services

From average costs to expert advice, get all the answers you need to get your job done.