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Yes, an electrical fire can start even if nothing is plugged into an outlet. While a correctly functioning outlet poses no risk, a fire can be caused by faulty wiring, damaged outlet components, an overloaded circuit, or other electrical problems hidden behind the walls. If you suspect a fault, immediately turn off the circuit breaker and contact a professional electrician to diagnose and repair the issue.

You should only use water to put out a fire in your fireplace in an emergency situation. Even then, it is better to use a fire extinguisher to put out a fire quickly. Make sure every room in your house that has a fireplace also has a fire extinguisher—and that everyone in your household knows how to use one.

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.

Having a pellet stove can indeed raise your insurance rates since they're a relatively common cause of fires in the home. However, rate increases vary by insurance provider so you should reach out to yours to determine exactly how much your rates might increase with a new pellet stove install.