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Fireplaces questions, answered by experts

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.

Homeowners can conduct basic visual inspections and cleaning, but professionals provide thorough checks that identify hidden issues safely.

You can control the flame on a pellet stove by using a damper, often located on the back of the pellet stove. While the damper function varies by model, you can open the damper slightly to let in more air or close it slightly to provide less oxygen, with the ultimate goal of providing a steady flame.

Yes, it’s worth capping a chimney. Here are several reasons to install a chimney cap:

  • Keep out rain, snow, wildlife, and other debris

  • Help prevent chimney fires

  • Reduce your chimney’s exposure to moisture

  • Maintain your chimney flue liner

  • Help reduce energy bills by helping regulate your home’s temperature

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.

The Wilton, ND homeowners’ guide to fireplace services

From average costs to expert advice, get all the answers you need to get your job done.