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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.

Disposable fire extinguishers are good for anywhere from 10 to 12 years, but check the documentation that accompanied your specific model to make sure. Additionally, there are rechargeable models out there that last 12 to 20 years, but they require a professional inspection every six years.

You can install a range hood and use the vent to protect your kitchen cabinets from heat and steam from the stovetop. For added heat protection, homeowners can install metal heat shields to exposed sections of the cabinets. It is also essential to keep cabinet surfaces clean by removing any grease buildup that can cause a fire.

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.