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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.

How big a fire pit should be depends on how many people you want to get around it on a regular basis, and how big your space is. The average fire pit size is between 36 and 44 inches. However, if you regularly host big gatherings and have the appropriate outdoor space, you can go as big as 72 inches.

Yes, an outdoor fireplace should use fire bricks. Fire bricks are specially designed to withstand high levels of heat and thus won’t crack as easily as regular bricks when exposed to the intense heat inside a fireplace.

A fireplace hearth is a fireproof flooring material that extends out from the base of the fireplace and into the room. Hearths can be made of brick, ceramic, marble, limestone, and more. A hearth serves the purpose of decreasing the fire risk in the area directly around the fireplace. If flying embers hit carpet or wood, they’ll spark and create a fire. But if they hit something like tile or granite, they’ll simply go out.