{"id":44297,"date":"2024-03-29T13:54:20","date_gmt":"2024-03-29T17:54:20","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=44297"},"modified":"2025-02-04T11:29:17","modified_gmt":"2025-02-04T16:29:17","slug":"does-a-fireplace-increase-home-insurance","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-a-fireplace-increase-home-insurance","title":{"rendered":"Does a fireplace increase home insurance"},"content":{"rendered":"\n

A working fireplace does a great job at keeping your home warm and cozy in the cold months without increasing your electric bill. But does a fireplace increase home insurance? Generally speaking, having a fireplace does mean higher homeowners insurance<\/a> premiums. Let\u2019s dive into the details.<\/p>\n\n\n\n

Do fireplaces impact insurance rates <\/h2>\n\n\n\n

Fireplaces are one of the most traditional features of a home. They provide a warm, inviting atmosphere and help to heat your home. But they also pose serious risks to your home and family.<\/p>\n\n\n\n

Here are some of the risks posed by a fireplace:<\/p>\n\n\n\n

Levels of Premium Increase<\/strong><\/h3>\n\n\n\n

Standard homeowners insurance covers damage from fire and smoke, including accidental fires caused by chimney fires and fireplaces. However, insurance carriers typically charge higher premiums for homes with fireplaces because they see an increased risk that they\u2019ll have to pay out a claim.<\/p>\n\n\n\n

How much your home insurance rate goes up mostly depends on the type of fireplace you own. Of course, pricing will vary from insurance carrier to insurance carrier.<\/p>\n\n\n\n

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Wood-Burning<\/strong><\/td><\/tr>\n\n
Will increase your home insurance rate the most, as it is the most likely type to cause a fire.<\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n
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Gas-Burning<\/strong><\/td><\/tr>\n\n
May increase your home insurance rate, but not as much as a wood-burning fireplace.<\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n
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Electric<\/strong><\/td><\/tr>\n\n
May not affect your home insurance rate at all.<\/td><\/tr>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n

Types of fireplaces <\/h2>\n\n\n\n

As noted above, there are three main types of fireplaces.<\/p>\n\n\n\t\t

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\n\t\t\t\t\t\tWood-Burning (fireplace or stove)\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\tGas-Burning\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\tElectric\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n

Wood-Burning<\/strong><\/h3>\n\n\n\n

The most traditional type of fireplace is wood-burning. It usually features a wide opening, allowing you to see the wood burn. Many homeowners prefer the natural smell and warmth of a wood-burning fireplace.<\/p>\n\n\n\n

A freestanding wood stove is another kind of wood-burning fireplace. Given the risks involved with wood stoves, your home insurance carrier may want to confirm that it has been properly installed and that it has passed a safety check by an official inspector.<\/p>\n\n\n\n

Gas-Burning<\/strong><\/h3>\n\n\n\n

Gas fireplaces are more efficient and easier to maintain than wood-burning fireplaces. They also produce less air pollution thanks to purifying filters. However, a gas leak from a gas-burning fireplace can cause carbon monoxide poisoning, or even an explosion if exposed to a spark.<\/p>\n\n\n\n

Electric<\/strong><\/h3>\n\n\n\n

Electric fireplaces are essentially fireplaces without fire. Powered by electricity, they still produce enough heat to warm a room. They come in a variety of designs and flame intensities that can be changed with the push of a button. They\u2019re also cool to the touch, which makes them perfect for families with children.<\/p>\n\n\n\n

Fireplace safety and discounts <\/h2>\n\n\n\n

As a homeowner, there are steps you can take to minimize your risk of a fire or carbon monoxide event caused by your fireplace. The most important thing is to install the right safety equipment in your home.<\/p>\n\n\n\n

Not only will these fire safety<\/a> devices keep your family safe, but they can also save you some money. That\u2019s because many carriers offer home insurance discounts<\/a> if you safety-proof your home with smoke alarms, sprinklers and smart home detection devices.<\/p>\n\n\n\n

Fire Safety Devices<\/strong>