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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.

You can fireproof an existing door to some extent, but it's better to remove the old door and replace it with a fire-rated model. Anything dealing with extreme heat needs rigorous testing and a door you DIY fireproof will not undergo the same safety measures as a premade one. Consider a door with a rating of at least 30 minutes or more in residential areas.

Chimneys should either be sealed or waterproofed, which is different from sealing off—closing at both ends—a chimney. Waterproofing and sealing are both crucial steps to take to prevent water damage and the chimney leaking inside the house. While waterproofing is more comprehensive, both help safeguard your chimney, extending its life span and preventing expensive repairs. 

No, it is not safe to leave a propane heater on overnight. Even if you’re using the heater in a well-ventilated space, the heaters can emit carbon monoxide that can lead to fires. Be sure to fully turn off and secure the propane heater before clearing the area.