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Wood fireplace inserts produce more heat without replacing the whole system. A fireplace installer can verify that you have a connector and chimney system to fit the wood-burning insert.

Gas fireplace inserts require less maintenance and are an efficient way to produce warmth. Some can also produce heat in the event of a power outage.

Electric fireplace inserts don't have a real open flame, so they produce flames that mimic a real fire surrounded by artificial logs with LED light. Many electric fireplace inserts produce heat from glowing elements while only using electricity.

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.

Your fireplace flue is open when the chimney is unsealed and open to the outside air and sky. That’s why one of the best ways to figure out if your flue is open is to visually check for daylight inside of your chimney—or to feel for a draft, which may be generated by the difference in temperatures inside and outside of your home.

To ensure your wood stove heats the whole house, measure the square footage of your home and choose a wood stove designed to heat that amount of space. More efficient wood stoves, such as those made of soapstone or those with catalytic combustors, can more easily heat larger spaces for less money.