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Installing a spark arrestor on your home’s chimney is an essential task. It reduces fire risk and ensures your chimney is compliant for insurance and building code purposes. Not having a spark arrestor could invalidate your home insurance or cause snags when it comes to a house sale.

In most cases, having a fire hydrant installed on your property, whether it’s maintained by you personally or your municipality, will reduce your insurance premiums. Its proximity to any buildings on the property will reduce the time it takes to put out a fire, thus reducing the resulting damage.

Generally, an oil furnace is considered safer than a gas furnace for several reasons. While both types of furnaces can produce carbon monoxide, a leak in an oil furnace is easier to detect due to the smell. Oil furnaces also don't connect to a gas pipeline, which reduces the chance of a fuel leak. Most importantly, heating oil is not combustible, whereas natural gas is highly flammable. This means there is a much lower risk of combustion or explosion with an oil furnace. However, an oil furnace can still pose a fire hazard if it tips over.

A chimney liner isn’t required for an outdoor fireplace; you don’t technically need one if the masonry chimney uses the proper dimensions and is built to code. However, a chimney liner does serve as a protective coating for the flue. Adding a liner could improve performance, safety, and durability. In short, while not necessary, it wouldn’t hurt.