Does a fireplace increase home insurance costs?

Various factors determine whether a fireplace will increase your cost for homeowners insurance, including the type of fireplace. Built-in wood-burning fireplaces pose more of a risk than a gas fireplace and may cause an increase in your home insurance rate.

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Do wood-burning stoves have different insurance requirements?

Insurance companies may require wood-burning stoves to be professionally installed and pass a safety check by a home inspector. Additionally, wood-burning stoves may render homes ineligible for homeowners insurance if they are the primary heat source in the home. And even if a wood-burning stove isn’t the primary heat source, it may increase your homeowners insurance cost.

Fireplace maintenance tips to reduce the risk of fire

Whether you have a fireplace, wood-burning stove, or firepit, there are a few things you can do to prevent a housefire and reduce the risk of fire and other potential problems.

Get a professional inspection once a year

A professional fire inspection for your home will identify potential risks, such as cracks in the chimney and residue build-up. Chimneys typically need to be cleaned annually, but your inspection report should indicate whether any cleaning or repairs are needed.

Learn about how to choose a home inspector.

Keep flammable items away from the fireplace

If you have hardwood floors, keep rugs away from fireplaces and wood-burning stoves. Also, make sure no drapes are hanging too close, as heat or a loose spark could start a fire. Securing a screen, glass, or similar cabinet door for a wood-burning fireplace may prevent sparks and ash from causing damage.

Use the right type of wood

Seasoned hardwood tends to be safer to burn than softer wood. Not only does hardwood burn longer, but it doesn't produce as much residue.

Learn about how homeowners insurance covers fire damage.

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