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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.

For many people, the primary disadvantage of a gas fireplace insert is that it doesn’t look or smell like a classic wood-burning fire. Additionally, the labor costs of installing a gas insert are higher than some other types of fireplace inserts, including electric and pellet inserts. There are also limitations on where you can install ventless gas fireplaces because they’re banned in certain places (including California).

Sap, despite its stickiness, is primarily made of water and is responsible for wood being “green” when it’s first cut. Green wood doesn’t burn very easily and will snap and crackle a lot, not ideal for a fire pit or fireplace. That’s why it’s best to let fresh, sap-filled wood season or dry out for at least a season before you start burning.

Well-seasoned hardwoods like oak, maple, hickory, and ash are the cleanest woods to burn in a fireplace. When properly dried, these woods have low moisture content, allowing them to burn hotter and produce less smoke, which minimizes creosote buildup. Ensure the wood is seasoned for at least six months for optimal burning.