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Wood-burning fireplaces typically make homeowners insurance more expensive, simply because they increase the risk for a fire in your home. Gas and electric inserts are less likely to bring up your insurance rates, but you should always speak with your agent to understand how installing any type of fireplace will affect your premiums.

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.

You can safely build a fire pit on your patio as long as you use porous, fire-resistant pavers or a fire pit mat over existing pavers. Otherwise, you’ll need to have exposed ground beneath your pit. You’ll also need to make sure the location for the fire pit is far enough away from your house and any other nearby structures.

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.