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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 is potentially cheaper than using central heating if you are heating a single room and don’t need to heat the entire house. That's because gas fireplaces are a better source of direct heat, making them more efficient for warming small spaces. Central heating, while more efficient for whole-home warmth, uses more energy overall. Strategically using a gas fireplace, therefore, can help lower heating bills.

When it comes to noise levels, outdoor wood furnaces typically fall within a manageable range that's comparable to other standard heating systems. The noise generated by an outdoor wood furnace is primarily attributed to the operation of the fan and blower components responsible for circulating heated air throughout your home.

These fans and blowers are designed to minimize sound while effectively distributing warmth. While you might notice a subtle hum or airflow noise when they're in operation, it's generally not intrusive or disruptive to your daily activities.

Outdoor fireplaces are extremely sturdy if constructed correctly, but they do require regular maintenance. The good news is that cleaning and checking the fireplace needs to be done just once a year. However, for safety reasons, let a professional clean the fireplace. Homeowners should expect to pay between $100 and $300 for outdoor fireplace maintenance. Any damage to the fireplace itself, however, will cost much more to repair.