Get matched with top fire pit installation pros in Easton, MO

Although no heating appliance can be entirely risk-free, a fireplace insert is considered a safer alternative to a traditional open fireplace, thanks to their enclosed design. With a sealed combustion chamber, a fireplace insert effectively reduces the risk of sparks and embers escaping into the room, minimizing the chance of an accidental fire.

Additionally, an insert comes equipped with various safety features, such as tempered glass doors that create a barrier between the flames and the surrounding space. This enhances both safety and energy efficiency by preventing heat loss. As an added bonus, many inserts are designed to meet strict safety standards that ensure proper ventilation and combustion.

The NFPA model codes and International Residential Code (IRC) mandate that all new one- and two-family homes have fire sprinkler systems. However, all municipalities are different. The best way to determine if your municipality requires fire sprinklers is to contact your state fire marshal’s office. One reason to install a fire sprinkler system is that it’s the first line of defense in putting out a fire and alerting your family of emergencies.

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.

Home insurance prices depend on where you live and the individual insurance company's policies. Some insurers charge a flat fee for fireplaces or wood-burning stoves, which is often a few hundred dollars per year. Other insurers base this fee on a percentage of your annual premium. You may want to check your current or prospective policy before beginning this project.