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A gas fireplace insert costs about $3,600 to install, on average. The cost to install a gas log insert ranges from about $700 to $6,500, depending on the size, type of insert, how it works, and heating needs. Gas fireplaces need electrical and gas lines installed properly, so hiring a pro is recommended rather than trying to DIY installation.

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.

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 best location for a wood stove depends on your home's layout and venting options. For optimal heat distribution, a central location on the ground floor, such as the living room, is often recommended. If you have an existing, functional chimney, installing the stove there can simplify the venting process. Alternatively, placing the stove near an outside wall can make it easier to route a new chimney through the roof. For safety, ensure no combustible materials are near the stove. Building codes typically require 20 to 36 inches of clearance between the stove and any side walls.