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The cost to install a pre-fabricated gas fireplace ranges from $2,000 to $7,500. The final price is influenced by several factors, including the specific model and size of the unit, the complexity of the venting, labor rates, and whether any structural modifications are required.

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.

Pellet stoves are much more energy efficient than traditional fireplaces, and the pellets they burn create fewer emissions, leaving indoor and outdoor air cleaner. Plus, the biomass pellets are made from recycled materials, making them even more eco-friendly. You can also adjust the temperature of a pellet stove and go about most of your day without needing to tend to it.

The cost difference between a gas fireplace and a wood-burning fireplace depends on the type of wood-burning fireplace installed. The cost to install a gas fireplace tends to be cheaper than the cost to install a brick wood-burning fireplace. Installing a gas fireplace costs about $3,600 on average, whereas the cost to build a masonry wood-burning fireplace can go up to $30,000. The cost to install a wood-burning fireplace insert or stove can cost from $700 to $6,500, about the same as a gas fireplace on average.