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Having a pellet stove can indeed raise your insurance rates since they're a relatively common cause of fires in the home. However, rate increases vary by insurance provider so you should reach out to yours to determine exactly how much your rates might increase with a new pellet stove install.

Running a gas fireplace costs approximately $0.35 per hour for natural gas and $0.62 per hour for propane, though these figures can vary significantly based on fuel prices in your area. On average, the annual cost to run a gas fireplace is between $400 and $640. The exact impact on your utility bill depends on several factors, including how often you use it, the size of the room you're heating, and the fireplace's BTU rating. Some models with a constantly running pilot light will consume a minimal amount of energy even when off, although many modern fireplaces do not require one. If you are looking for a more energy-efficient option, consider an electric fireplace.

Yes, you can have a gas line professionally installed to convert your traditional fireplace to natural gas; just know it’ll be an extra cost to budget for. The cost to run a gas line where you don’t already have one is about $540, though most homeowners pay between $260 and $820. Your total could be significantly higher if you don’t already have a main gas line running to your home.

No, because they burn propane or natural gas, gas fireplaces do not generate ash like wood-burning fireplaces. However, gas fireplaces require maintenance, such as cleaning the glass doors, checking for debris in the burner or vents, and ensuring the logs or glass stones are in place. This maintenance ensures that the fireplace continues to operate efficiently and safely.