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A properly constructed and maintained chimney crown can last 50 to 75 years. However, its lifespan can be significantly shorter—20 years or less—if it was poorly constructed, improperly installed, or damaged. Factors like using the wrong materials or failing to prepare the brick around the flue can lead to moisture buildup and premature breakdown, potentially resulting in a more costly rebuild.

Fireplace inserts have several potential disadvantages. The cost of the insert and its installation can be a significant investment, as the process can be complicated and expensive, particularly if modifications to the existing fireplace are necessary. Aesthetically, some people find that inserts lack the traditional look and authentic ambiance of an open, crackling fire. There are also ongoing costs for maintenance, cleaning, and fuel. Fuel type can be a limitation; for example, an insert may be unusable if you don't have access to its specific fuel source. Maintenance and repairs can also require specialized services, especially for gas or electric models. Finally, while an insert is more efficient than an open fireplace, it may not heat a home as evenly as a central HVAC system.

The disadvantages of a wood-burning stove include a slow heating time and the effort required for fuel. It can take about an hour for a cold stove to produce noticeable heat. Additionally, homeowners must source their own fuel by buying or chopping firewood, cutting it to the appropriate size, and storing it in a dry place. The fire also requires regular attention, as you'll need to add more logs throughout the day.

Fireplace inserts can increase home value when installed correctly. Since they improve heating efficiency significantly, this will be a bonus to homeowners who are looking for a functional alternative heat source. Plus, inserts are less maintenance and less of a liability than a traditional fireplace. You’re very likely to recover fireplace insert installation costs when you sell your home.