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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.

Yes, a water leak poses a major fire risk at your home because water is a conductor of electricity. Water that comes into contact with sparks or electrical wires can instantly ignite flammable materials. Additionally, any type of exposure to water can cause wires and other electrical components within your home to corrode. When assessing categories of water damage, it's important to know that even a small amount of moisture near wiring could cause sparks that lead to a fire.

Your smoke detector might be too high in some homes or circumstances to reach yourself. If you feel unsafe getting on a ladder to replace your hardwired smoke detector, call a licensed electrician or local handyman to knock this project off your to-do list. If you have a battery-operated smoke detector, your local fire department can change the batteries or help you replace the detector—just make sure you call the non-emergency number.

In any case, do not let this project go unresolved, as it could turn into a huge safety issue.

Burning a single palm tree stump, if you’re careful, is technically doable DIY. However, you should always take precautions to control the fire and do research if you’re burning multiple types of trees. 

Some trees, such as ornamental trees, black cherry, and some oak trees, release toxins into the air when burned that can be irritating to your lungs (or even dangerous) to breathe in.