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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.

Depending on the model of your fireplace, you can leave your pilot light on year-round. This does use a small amount of fuel, so you’ll save on your energy bill by turning off the pilot light seasonally. Keep in mind that some gas fireplace models don’t have a standing pilot light.

You can build a fireplace on an existing house, but it’s much easier to construct a masonry fireplace when building a new house. To add to an existing house, you’ll need to build a chimney and ensure the foundation can support a true masonry fireplace. Alternatively, you can purchase a gas or electric fireplace insert, which isn’t as complicated to add to an existing structure.

The cost to replace a chimney is about $10,000 on average and can cost up to $15,000, depending on the size, accessibility, materials, and extent of the replacement. Sometimes tearing the chimney down to the roof line and rebuilding it is an option. But if the chimney's internal structure deteriorates badly enough, a complete demolition down to the fireplace or the foundation may be necessary.