Get matched with top fire pit installation pros in Bates City, MO

Regular inspections, using dry wood, and installing chimney caps help maintain efficiency and safety.

Wood-burning fireplaces typically make homeowners insurance more expensive, simply because they increase the risk for a fire in your home. Gas and electric inserts are less likely to bring up your insurance rates, but you should always speak with your agent to understand how installing any type of fireplace will affect your premiums.

Whether or not your attic ladder needs to be fire-rated depends on your local building codes, so it’s best to check with your municipal office. However, if your ceiling meets a fire requirement, your attic ladder should as well. There are benefits of opting for a fire-rated ladder. For one, thanks to their fire-resistant material, they'll help protect your home from fire spreading from your attic, if one should break out.

Beyond having an inspection, it’s important to do chimney maintenance at least annually to be certain the chimney is safe to use. Cleaning the flue of any built-up particles, creosote, and soot reduces the risk of fire. Fortunately, the cost of hiring a pro to do a chimney inspection often includes a chimney cleaning, so you may not have an extra expense for maintenance.