Fire Pits, Candles, and Matches - Are They Required?

We're one of the few insurance companies that allows wood burning fireplaces at a property. But we do require that you have an annual inspection from a chimney suite. What about fire pits outside? I know like I'm my properties are all in the mountains in Big Bear and we have a rule. No charcoal barbecues, for example, but propane is okay. Same thing, we don't have any stipulations. We're proper our entire primary offices in Bozeman, Montana. So if you don't have a fire pit in the backyard, like, what are you doing? Hang out by the fire and have a beer and roast marshmallows with kids.