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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.

No, a chirping smoke alarm is usually a sign of an issue with the power supply of the unit. This is easily solved by replacing the battery to stop the smoke alarm from beeping. If the chirp continues, review the owner’s manual to determine the cause. These chirps are short and not as loud as the beeping of the alarm itself. If you can’t tell the difference, it’s best to treat it like an activated alarm until you find the cause. 

Chimney caps are necessary both from a building safety standpoint in most municipalities and to keep your home protected from a variety of issues. Chimney caps are not only mandated by building code in most areas, but they also serve to keep squirrels, raccoons, and other pests out of your home, as well as snow and rain. Therefore, they help to avoid property damage, making them a worthwhile investment.

Grounding is a great first step to prevent electrical shock, but you can take it further with GFCI outlets and AFCIs (arc fault circuit interrupters). In particular, AFCIs help protect against the type of electrical arcs that cause fires, like if a mouse chews on a wire or your laptop starts overheating at the wall. These are required in some areas of your home.