Yes, spider webs are flammable, taking them from minor household nuisance to something more dangerous. Silk boasts no built-in resistance to fire, though it takes an abundance of spider webs to actually catch fire and spread. A cobweb here and there poses no major fire safety risk, so it’s not a cause for concern.

You can safely build a fire pit on your patio as long as you use porous, fire-resistant pavers or a fire pit mat over existing pavers. Otherwise, you’ll need to have exposed ground beneath your pit. You’ll also need to make sure the location for the fire pit is far enough away from your house and any other nearby structures.

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.

Pellet stoves are safer than wood stoves in many ways. They don’t produce as many creosote deposits as wood stoves do, they create less smoke, and the flames are contained, decreasing the risk of any sparks or embers creating a house fire. Pellet stoves also burn more cleanly and efficiently than wood stoves do.