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Wood-burning fireplaces typically make homeowners insurance more expensive, simply because they increase the risk for a fire in your home. Gas and electric inserts are less likely to bring up your insurance rates, but you should always speak with your agent to understand how installing any type of fireplace will affect your premiums.

There are several maintenance tips you should take to ensure your pellet stove's safety and proper maintenance. You should vacuum the ash pan every week to prevent overflowing and clean the stove and surrounding vents every three to four months. It’s also important to get a professional inspection every year and install a carbon monoxide detector close to your stove. Be sure to dispose of hot ashes in a closed metal container; store it outside, away from the house. Only use the pellets recommended by your stove's manufacturer, and follow any cleaning and maintenance instructions.

You should schedule a fireplace inspection at least once a year, per the National Fire Protection Association (NFPA). However, this is the minimum requirement even if you’re diligent with fireplace maintenance between uses. If you suspect your fireplace is malfunctioning, schedule one sooner to avoid fire hazards or the release of harmful emissions like carbon monoxide in your home.

A smoke alarm that beeps periodically, often every 30 to 60 seconds, usually indicates a low battery. The first step is to replace the battery. If this doesn't solve the problem, try resetting the alarm. However, beeping can also signal other issues, such as dust buildup in the sensors or the unit reaching the end of its life. Different beep patterns can mean different things; for example, multiple beeps might indicate an issue with a combination carbon monoxide detector, while a continuous, loud alarm means smoke has been detected. If a new battery doesn't stop the beeping, it's best to consult your alarm's manual, call a professional, or replace the unit.