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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, spider webs are flammable, taking them from minor household nuisance to something more dangerous. Silk boasts no built-in resistance to fire, though it takes an abundance of spider webs to actually catch fire and spread. A cobweb here and there poses no major fire safety risk, so it’s not a cause for concern.

Yes, a hot or overheating outlet is a fire hazard and can cause a fire. An outlet becoming hot indicates an electrical problem, such as an overloaded circuit, loose connections, or a faulty component. The heat from these issues can ignite nearby flammable materials like curtains or furniture. If you notice an outlet is hot to the touch, turn off the power at the circuit breaker, unplug any connected devices, and consult a qualified electrician. If a fire does start, use a Class C fire extinguisher or baking soda to suppress it, or evacuate immediately and call the fire department.

Chimney caps are necessary both from a building safety standpoint in most municipalities and to keep your home protected from a variety of issues. Chimney caps are not only mandated by building code in most areas, but they also serve to keep squirrels, raccoons, and other pests out of your home, as well as snow and rain. Therefore, they help to avoid property damage, making them a worthwhile investment.