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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.

You should get your chimney cleaned around once per year, but you might want to opt for bi-annual cleanings if you use your fireplace often. Remember, your boiler likely vents into your chimney as well, so cleaning is required even if you don’t use your fireplace. It’s a good idea to clean your chimney during the summer so that it’s ready to use when you want a worry-free cozy fire on that first crisp autumn night of the season.

It’s possible to clean your chimney by accessing it from the opening above your fireplace, but be aware that this method is messier because you will be pulling loose buildup of soot, ash, and creosote into your fireplace instead of up, out, and onto the roof. While the bottom-up method can cause more of a mess, it’s a good option if you’re not comfortable getting on the roof.

A chimney cap costs about $300 on average to install, with prices ranging from $75 to $1,000. The final cost depends on several factors, including the professional you hire, the accessibility of your chimney, the cap's material and size, whether any repairs are needed, and if it requires custom fabrication. Chimney caps are usually made from galvanized steel, stainless steel, or copper. Copper caps are the most expensive, followed by stainless steel and then galvanized steel. Excluding labor, average material costs are around $100 for galvanized steel, $250 for stainless steel, and $600 for copper. You may also face additional costs, such as hiring a chimney sweep to clean the chimney before the cap is installed.