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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.

Single-pane windows might let in the cold, but if you’re not ready for a long-term solution or window replacement, there are quick fixes to keep your space warmer. Start by sealing gaps with weatherstripping or caulking around the frame to block drafts. For an extra barrier, apply window insulation film to the glass, trapping an air pocket between the film and the window. Thick curtains or thermal drapes can also help keep the chill at bay. And if you’re in a pinch and looking to get creative, bubble wrap can provide a surprisingly effective layer of insulation—just spritz the window with water and press it on, bubble side in.

Bioethanol fireplaces are safe when users follow the instructions and maintain the fireplace. Ethanol is flammable, however, and should be kept away from flammable surfaces, children, and pets.

Soapstone wood stoves hold onto heat the longest, which means you can burn less fuel and enjoy the warmth for longer. Additionally, catalytic wood stoves include a catalytic combustor that can reduce emissions and create a cleaner burn no matter what the stove is made of. Of course, the most efficient wood stoves also tend to be costlier up front—but they can still save you money in the long run.