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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.

In homes that have a gas furnace, it's typically the heating system that uses the most gas. That explains why your gas bill is almost always higher in the winter and other colder months than it is in the summer. Other appliances that may use gas include your water heater, clothes dryer, and stove.

A fireplace hearth is a fireproof flooring material that extends out from the base of the fireplace and into the room. Hearths can be made of brick, ceramic, marble, limestone, and more. A hearth serves the purpose of decreasing the fire risk in the area directly around the fireplace. If flying embers hit carpet or wood, they’ll spark and create a fire. But if they hit something like tile or granite, they’ll simply go out.

The size of your pizza oven will determine the number of bricks necessary to build it. So the bigger your pizza oven, the more fire bricks you’ll need to purchase. Keep in mind that fire bricks cost about $3 each.