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Chimneys should either be sealed or waterproofed, which is different from sealing off—closing at both ends—a chimney. Waterproofing and sealing are both crucial steps to take to prevent water damage and the chimney leaking inside the house. While waterproofing is more comprehensive, both help safeguard your chimney, extending its life span and preventing expensive repairs. 

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.

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.

Costs depend on system type, building size, labor, and regulatory compliance requirements.