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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.

Bioethanol fireplaces are safe when users follow the instructions and maintain the fireplace. Ethanol is flammable, however, and should be kept away from flammable surfaces, children, and pets.

Electrical fires are unique from other fire types because they have the potential to deliver electric shocks in addition to being on fire. Avoid serious injury from possible electrical emergency situations by avoiding the use of water, foam-based fire extinguishers, wet-chemical fire extinguishers,  flour, or baking powder to put out an electrical fire. 

If a light switch is off, it’s very unlikely to cause a fire. For a fire to start, the switch has to be on, activating an electrical current, and the wiring must be faulty. However, the malfunctioning light switch could cause an intermittent current to move across the electrical wire. This issue could become a fire hazard with another device connected to the wire. You should replace the bad light switch as soon as you notice it or call an electrician.