The top source of fires in American homes comes from fuel-burning appliances—such as a wood-burning stove. That’s why it’s vital to follow proper precautions when using your wood-burning stove. Consider the following guidance to ensure safe operation of your stove—keeping you, your family and your home protected against the risk of a fire.

  • Read the instructions for your wood-burning stove and follow them carefully.
  • Inspect the firebrick liner in your stove, if you have one. Should the liner show signs of wear, replace it immediately and do not use the unit until the liner is replaced.
  • Don’t use flammable or combustible liquid (e.g., gasoline, kerosene or lighter fluid) to start a fire.
  • Burn wood recommended by the manufacturer only.
  • Don’t burn plastic, wood or garbage that has been painted or treated with chemicals.
  • Be sure to have properly maintained smoke and carbon monoxide detectors and an approved multipurpose fire extinguisher in your home.
  • Never close your damper with hot ashes in the fireplace. Doing so will cause the fire to heat up which will force toxic carbon monoxide into your house.
  • Take extra care when disposing of hot ashes. Remember that these embers may remain hot for several days.

Prioritize Routine Inspections and Maintenance

Solid fuel units (including wood-burning stoves) tend to require significantly more upkeep than other heating systems. Failure to conduct regular inspections and maintenance could lead to the development of cracks, leaks, warping, baffle gaps or creosote buildup in your wood-burning stove—all of which can cause a fire.

With this in mind, be sure to have your stove inspected at least once every year by a qualified professional for potential problems, and make repairs as needed. In addition, conduct monthly maintenance practices of your own to keep your stove in good (and safe) condition.

For more home maintenance guidance, check out our other blog posts. For help with your homeowners insurance, contact us today

Read Other Blog Posts

Black History Month Contributions in the Insurance Industry

Honoring Black History Month: Contributions in the Insurance Industry

Honoring Black History Month by highlighting the pioneering Black leaders and entrepreneurs who shaped the U.S. insurance industry. Learn how their efforts expanded access to coverage, promoted financial literacy, and strengthened communities through economic empowerment and generational wealth building.
Life Insurance Love Insurance

Love Insurance: How Life Insurance Can Be the Best Valentine’s Gift

This Valentine’s Day, celebrate love that lasts. Discover how life insurance, or love insurance, can protect your family and provide peace of mind beyond flowers and chocolates.
Shoveling snow

Snowmelt Damage Prevention Tips

Accumulating water from melting snow and ice—also known as snowmelt —can lead to significant property damage if not managed. It's important to be aware of this risk and take measures to prevent issues. Don’t let snowmelt wreak havoc on your home. Review guidance for snowmelt damage prevention recommendations.
Side-view mirror

The Defensive Driving Process

To be a defensive driver, it’s important to follow a three-step process: see hazards, determine potential responses, and act in time. Driving in Massachusetts means navigating heavy traffic, narrow roads, construction zones, and unpredictable New England weather. Defensive driving helps local drivers anticipate hazards, reduce accident risk, and protect their auto insurance record.
Be Ready for Severe Winter Weather Snowstorms, Ice, and Extreme Cold

Be Ready for Severe Winter Weather: Snowstorms, Ice, and Extreme Cold

Severe winter storms can bring heavy snow, ice, and extreme cold. Learn how to prepare your home, protect your vehicle, prevent frozen pipes and power outages, and take practical steps to keep your family safe during harsh winter weather.
Chimney

Chimney Maintenance Is Essential

A well-maintained chimney is essential for keeping your home safe, as neglected chimneys are a leading cause of fireplace-related fires and carbon monoxide issues. With an estimated 20,000 chimney fires occurring each year in the U.S., routine inspections and cleanings play a critical role in reducing creosote buildup and preventing costly damage. By making chimney care part of your annual home-maintenance plan, you’ll protect your property and ensure your fireplace operates safely all season long.
Woman buying a car

Shopping for a Safe Vehicle

When shopping for a new vehicle, safety should be a top consideration. This brief guide outlines key safety features—from crash protection to advanced driver assistance systems—and explains how they can impact your insurance costs. Understanding these factors can help you make a smarter, more informed purchase.
Operating Under the Influence (OUI) Will Cost You Money

Operating Under the Influence (OUI) Will Cost You Money

An Operating Under the Influence (OUI) conviction is more than a legal problem; it’s a financial disaster. Between fines, court fees, license costs, higher insurance premiums, towing, and lost wages, one mistake can cost you between $11,000 and $30,000. The best way to save? Don’t drink and drive.
Fresh Look at Personal Insurance SMM

A New Year, A Fresh Look at Your Protection

A new year is the perfect time to review your insurance and personal risk management. Life changes, rising costs, and growing responsibilities can all affect your coverage needs. A quick annual check can help ensure that you and what matters most are properly protected.

Visit Our Homeowners Insurance Page

Homeowners Insurance

At Murphy Insurance, we take great care in assessing your options for homeowners insurance to ensure that you receive the most favorable value. Our dedication to serving you entails collaborating with highly-rated insurance providers and conducting comprehensive assessments of available choices. Our goal is to achieve the ideal equilibrium between affordability and coverage that suits your unique needs. Please let us provide you with a customized homeowners insurance quote.