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Fireplaces questions, answered by experts

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.

Once your ashes have fully cooled, you can place them in a heavy-duty trash bag and put them into the bin with your normal trash. If you have wood ash, you can add the ash to your composting pile or sprinkle it over your grass or plants directly for added nutrients.

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.

A 40-pound bag of wood pellets can provide a solid 24 hours or so of burn time, though the exact length may vary. If you’re using your pellet stove as an exclusive heat source during the winter, you’ll need an estimated 100 to 150 of those 40-pound bags, depending on how hot you like to keep your home, its size, the climate, and other factors.

Your chimney needs a structurally sound chimney cap, protective lining, damper, chimney flashing, and brick and mortar to prevent water from goind down your chimney. A pro can help you identify where the issue is so that you can stop water from coming down the smoke shaft, through your damper, and into your home.

The Osmond, NE homeowners’ guide to fireplace services

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