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Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.

A fireplace is, by definition, an enclosed space where you burn wood or other fuel for the purpose of generating light and heat. A firepit burns wood and is much less expensive to build, but they aren’t technically a fireplace as it isn’t enclosed. An outdoor oven—commonly outdoor brick pizza ovens—often uses wood as fuel, but its primary purpose is to cook food, and you’d rarely just burn wood inside them for warmth or aesthetic reasons.

Yes, if your gas fireplace has a flue, you typically need to open it when using the fireplace. Although gas fireplaces don’t produce the type of smoke and soot that wood-burning ones do, they still release combustion gasses like carbon monoxide. Opening the flue ensures these gasses safely exit your home through the chimney. Not all gas fireplaces need a chimney, however. Always check the manufacturer’s instructions for your specific gas fireplace model, as some newer models may have different ventilation requirements.

A fireplace that doesn’t require a chimney is simply called a chimneyless fireplace. Don’t confuse these with ventless fireplaces, however. There are some fireplaces that require ventilation via a system of pipes, not a chimney. More specifically, the fireplace in question will likely be called by its name, such as electric, ethanol, or balanced flue.