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Fire Pit Installation questions, answered by experts

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.

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.

Depending on who’s doing the estimating, about 22,000 to 25,000 chimney fires happen each year in the United States. Given the fact that millions of Americans have fireplaces (and chimneys), that means chimney fires aren’t exactly common—but they’re not rare, either. Since they’re so dangerous, it’s important to take precautions to prevent them.

You can let a fire burn out in a fireplace as long as you or someone else will stick around to monitor it until it goes completely out. This may take several hours. To prepare, stop adding fuel to the fire well before you’re ready to call it a night. If you’re using the fireplace for warmth, you’ll want to cover up in some blankets as the flame dies down.

When a carbon monoxide alarm goes off, you should always take it seriously. Infrequent and occasional chirps often point to a low battery, a faulty device, or dust buildup (this usually affects smoke detectors and not standalone CO detectors). A continuous alarm signals an emergency, and you should immediately evacuate and call 911. When it comes to carbon monoxide in your home, it’s better safe than sorry.

The Northfield, OH homeowners’ guide to fire pit installation services

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