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Home insurance prices depend on where you live and the individual insurance company's policies. Some insurers charge a flat fee for fireplaces or wood-burning stoves, which is often a few hundred dollars per year. Other insurers base this fee on a percentage of your annual premium. You may want to check your current or prospective policy before beginning this project.

While most stoves won’t last two decades, some do! Gas stoves and pellet stoves are more likely to go the distance than electric stoves or induction cooktops, and maintenance can go a long way toward increasing longevity.

Fireplace inserts have several potential disadvantages. The cost of the insert and its installation can be a significant investment, as the process can be complicated and expensive, particularly if modifications to the existing fireplace are necessary. Aesthetically, some people find that inserts lack the traditional look and authentic ambiance of an open, crackling fire. There are also ongoing costs for maintenance, cleaning, and fuel. Fuel type can be a limitation; for example, an insert may be unusable if you don't have access to its specific fuel source. Maintenance and repairs can also require specialized services, especially for gas or electric models. Finally, while an insert is more efficient than an open fireplace, it may not heat a home as evenly as a central HVAC system.

The lifespan of a chimney damper depends on several factors, including its material, how often the fireplace is used, and the amount of debris that enters the chimney. With proper maintenance, an average damper can last about 20 years. To ensure it is functioning correctly, it is best to have it professionally inspected. Some experts recommend an annual inspection, while others suggest having a chimney sweep inspect and clean it every two years. A professional can assess the damper's condition and determine if a replacement is necessary.