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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.

The damper, located just above the firebox, can open or close the chimney flue. The damper should remain closed unless there’s a fire burning in the fireplace. Closing the damper prevents energy loss through the chimney and cold air from seeping into the home during the winter. Opening the damper helps maintain airflow when there is a fire and prevents smoke and gases from venting into the house.

If you plan to put a fire pit on a grassy area, be sure to put compacted paver sand down first to help level out the ground and add better heat protection. If you’re placing a fire pit on hardscaping, like a concrete patio, consider placing a fire pit mat down first. This can add more protection from the heat and also protect the look of your hardscaping if you choose to remove the fire pit in the future.

Grounding is a great first step to prevent electrical shock, but you can take it further with GFCI outlets and AFCIs (arc fault circuit interrupters). In particular, AFCIs help protect against the type of electrical arcs that cause fires, like if a mouse chews on a wire or your laptop starts overheating at the wall. These are required in some areas of your home.