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Gas fireplaces use either natural gas or propane—both of which will increase your energy expenses. On average, running a gas fireplace costs $400 to $640 per year; however, these costs can vary significantly depending on the fuel price in your area and the frequency of fireplace use. If you’re looking for a more energy-efficient option, consider switching to an electric fireplace.

There are several strategic ways to lower your home insurance premium. The primary one is to shop around and get quotes every few years to make sure you’re getting the best deal. Also, sometimes bundling your auto and homeowner’s insurance will get you a discount on both. Finally, try to keep your credit score up; many homeowner insurance companies use credit scores to generate quotes.

Fireplaces can theoretically help you save on heating bills if you lower the temperature throughout the rest of your home and heat only a single room that you occupy using the fireplace. However, in most cases, homeowners won’t save any money on heating bills. Gas and electric fireplace inserts could actually lead to a spike in your respective energy bills if you use them frequently, and if you don’t keep up with chimney maintenance and repairs, your traditional masonry fireplace could actually be a source of heat loss in the winter.

STC (Sound Transmission Class) ratings tell you how well something blocks airborne noise. It’s a single number that sums up how much sound a material, like a window, can stop across regular speech frequencies. The higher the number, the better the sound reduction. A typical single-pane window hovers around STC 25 (where you can hear normal conversations), while well-sealed, double-pane options can push past STC 45 (which blocks out loud speech and most music). Just keep in mind that STC doesn’t cover everything—low rumbles like bass or thunder can sneak through—so pairing methods are always ideal for the most peace and quiet.