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An outdoor fireplace can add value to your home, with an estimated return on investment (ROI) of 56%. This luxurious outdoor feature will certainly appeal to buyers when the time comes to sell. And, of course, if you aren’t in the market, an outdoor fireplace will increase the livability of your home.

A fireplace hearth is a fireproof flooring material that extends out from the base of the fireplace and into the room. Hearths can be made of brick, ceramic, marble, limestone, and more. A hearth serves the purpose of decreasing the fire risk in the area directly around the fireplace. If flying embers hit carpet or wood, they’ll spark and create a fire. But if they hit something like tile or granite, they’ll simply go out.

Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.

The cost to replace a chimney is about $10,000 on average and can cost up to $15,000, depending on the size, accessibility, materials, and extent of the replacement. Sometimes tearing the chimney down to the roof line and rebuilding it is an option. But if the chimney's internal structure deteriorates badly enough, a complete demolition down to the fireplace or the foundation may be necessary.