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They’re both types of wood-burning fireplaces, but a wood fireplace is built directly into a wall and attached to a chimney. A built-in wood fireplace often has an open hearth, although some models have an enclosed hearth. On the other hand, a wood-burning fireplace insert is a self-contained box that slides into an existing fireplace opening.

When your fireplace is not in use for longer periods of time, such as over the summer, you can keep smells at bay by spraying either a commercial fireplace deodorizing product or a blend of one part distilled white vinegar to one part water around the walls of the fireplace. 

Or, you can place a container of charcoal inside the fireplace to absorb odors. Just be sure to remove it before it’s time to start using the fireplace again.

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.

Yes, it can be worth installing a gas fireplace, depending on your home heating needs. The cost to install a gas fireplace can be much lower than the cost to install a comparable wood-burning fireplace. The convenience of starting a fire with the flip of a switch and turning it off just as quickly makes a gas fireplace a big time saver over starting and maintaining a wood-fueled fire. A gas fireplace also does not require ash cleanup or frequent chimney cleaning to remove creosote and other buildup that can lead to chimney fires. Gas fireplaces burn and heat much more cleanly than wood fireplaces.