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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.

If your oven is new, then it’s likely that the oven smoking is due to it being a new unit. In this case, you don’t need to worry about the oven smoking. However, if your oven is old, you can’t identify any burnt food or grease that could be behind the smoking, or you have concerns about the heating element, then you should hire an oven technician to inspect your unit.

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.

No. Removing the cause of concern will only lead to deeper concern. You cannot use any fire-powered appliance like a fireplace or furnace without an escape route for the smoke and fumes. If you remove the flue intending to repair or replace it, you should only use the fireplace, wood stove, or furnace once the flue is in working order. If you cannot replace the flue you have removed, call a chimney repair professional immediately.