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Having a pellet stove can indeed raise your insurance rates since they're a relatively common cause of fires in the home. However, rate increases vary by insurance provider so you should reach out to yours to determine exactly how much your rates might increase with a new pellet stove install.

You should change the batteries in your smoke detectors at least once per year. Mark it on your calendar or make it a holiday or birthday tradition so that you always remember it. You should also be testing your smoke alarms monthly to ensure they’re working properly and can alert you in case of an emergency.

Ensure you have a safe environment for them to work on, and there aren’t items such as logs, build-up of yard materials, missing or damaged shingles, and weak areas on the roof. Communicate any known electrical issues with contractors at the beginning of the project, and consider hiring an electrician to fix those. Finally, if you are attempting the project yourself, do so when there isn’t any rain, and you can safely get your footing on the roof using proper equipment, such as an extension ladder. Don’t attempt this alone, and have a helper nearby to assist.

A hot fire alone will not remove significant creosote buildup and can be dangerous, as it risks causing a chimney fire. While the warmth from a fire can help loosen stuck tar, making treatments like creosote logs more effective, it is not a substitute for proper cleaning. For existing creosote, the safest and most effective method is to have your chimney professionally cleaned by a chimney sweep.