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An outdoor fireplace and chimney costs between $800 and $21,000, with an average price of $3,000 for design, materials, and professional installation. Beyond adding a stylish focal point, the upgrade extends your living space for year-round gatherings and can enhance curb appeal and resale value at the same time.

A fireplace can help cut heating costs by lowering the thermostat and using it to warm only the rooms you occupy. By focusing heat where you need it, you run your central system less and save on monthly expenses. Combine that strategy with routine maintenance and smart thermostat adjustments for optimal savings.

A fireplace's lifespan depends on its type and the level of maintenance it receives. Gas inserts typically last 10 to 25 years, while electric units last approximately 20 years. Well-maintained masonry models can outlive us all—think centuries. Stay on top of inspections and minor repairs to keep any fireplace safe and efficient for the long haul.

A wood-burning fireplace can increase your homeowners' insurance premium because it carries a higher fire risk. Gas and electric inserts have a more minor impact and are less likely to increase costs. Check with your insurer before installing any unit, and add safety gear plus annual inspections to keep rate hikes in check.