A Lopi Medium Flush Wood Insert typically costs about $3,500-$5,500 for the appliance and $6,000-$10,000 installed, depending on the model configuration, chimney condition, surround, and local labor. The final quote can rise if the existing fireplace needs a new liner, masonry repairs, or code-related changes.
For a standard installation in a sound masonry fireplace, budgeting around $7,500-$8,500 is a practical starting point.
| Item | Low | Average | High | Notes |
|---|---|---|---|---|
| Insert appliance | $3,500 | $4,500 | $5,500 | Price varies by model, finish, and dealer |
| Installed project | $6,000 | $8,000 | $10,000 | Typical masonry fireplace and standard installation |
| Chimney liner | $900 | $1,500 | $2,500 | Stainless-steel liner and installation |
| Optional power blower | $300 | $450 | $650 | May be included or priced separately |
| Annual wood supply | $250 | $500 | $900 | Seasoned firewood; local prices and use vary |
What a Lopi Medium Flush Insert Usually Costs
The appliance alone commonly runs $3,500-$5,500 before tax and installation. Dealer pricing depends on the exact Medium Flush Wood Insert configuration, available trim and finish choices, included accessories, and local inventory. Some dealers quote the insert with a blower or surround package; others list those items separately, so a low sticker price may not represent the full equipment package.
For a complete project, many homeowners should expect $6,000-$10,000. A straightforward installation may land near $6,000-$7,500 when the fireplace is in good condition and the chimney is suitable. A more involved project can reach $8,500-$10,000 or more if it requires a longer liner, substantial hearth or masonry work, difficult access, or additional code upgrades.
The typical installed estimate assumes an existing masonry fireplace, a correctly sized insert, a stainless-steel chimney liner, standard installation labor, and ordinary site access. It does not necessarily include a large structural repair, a new chimney, or premium finish work. Assumptions: U.S. mid-market pricing, standard materials, sound masonry fireplace, and normal access.
Compare the complete installed quote, not just the insert’s advertised price.
How the Insert, Liner, and Installation Shape the Quote
Dealer estimates usually combine the appliance, chimney connection, labor, and site-specific work. Ask the installer to identify what is included and whether the quote covers a liner, cap, surround, blower, permit, and disposal. These details make competing estimates easier to compare.
| Quote item | Typical price range | What changes the price | Common unit basis |
|---|---|---|---|
| Lopi insert | $3,500-$5,500 | Model configuration, finish, and accessories | Per appliance |
| Stainless-steel liner | $900-$2,500 | Chimney height, diameter, and access | $40-$100 per linear ft, plus fittings |
| Installation labor | $1,000-$2,500 | Crew size, site difficulty, and job duration | $75-$150 per labor hour |
| Hearth or masonry work | $300-$2,000 | Required clearance, damage, and finish scope | Per project |
| Delivery and removal | $100-$500 | Distance, access, and old-unit disposal | Per trip or appliance |
Labor may be shown as a single installation charge rather than an hourly rate. If the estimate itemizes time, a common planning range is 8-16 labor hours for a standard job, often involving a two-person crew. The formula is useful for checking an itemized quote, but fixed-price bids may also include travel, insurance, overhead, and warranty administration.
Taxes, permit fees, and accessories can be absent from a headline quote. Local sales tax may apply to some or all of the equipment and work, depending on state and local rules. A permit or inspection may add roughly $50-$300 where required; confirm the local authority’s requirements rather than assuming it is included.
A clear estimate separates the appliance from the liner, labor, and any fireplace repairs.
Chimney Height, Fireplace Opening, and Other Price Drivers
Chimney height is one of the most direct installation variables. A liner for a 15-20 ft chimney may fit within a common installation allowance, while a run above 25 ft can require additional liner material, handling, or specialized work. Each extra foot can add roughly $40-$100 for liner material and related installation, though the exact rate depends on liner type and contractor pricing.
The fireplace opening and firebox condition also matter. The insert must fit the opening and meet the manufacturer’s clearance requirements; a narrow or shallow opening can require different trim or additional preparation. If a hearth extension is needed to meet local code, basic changes may cost $300-$800, while tile, stone, or masonry reconstruction can push the work to $1,000-$2,000 or more.
Access affects labor. A ground-floor fireplace with a clear route is generally less expensive to service than an upper-floor or hard-to-reach installation. Steep roof access, a tight stairwell, or a chimney cap that is difficult to reach can add $200-$800 or more. An inspection that finds a cracked flue, loose brick, or water damage may lead to repair work outside the initial insert estimate.
Regional labor and demand create further variation. Quotes in high-cost metropolitan areas can be 15%-30% above typical national mid-market pricing, while some rural markets may be 5%-15% lower. These are broad comparisons, not fixed regional price rules; travel distance, installer availability, and local code requirements can outweigh the general difference.
Before accepting a quote, confirm the chimney height, liner specification, fireplace measurements, and repair allowance.
How Long Lopi Insert Installation Takes and What Labor Covers
A standard Lopi Medium Flush installation often takes one working day, with approximately 8-16 labor hours across a two-person crew. The crew may protect the room, remove an old insert or damper components, prepare the firebox, install the liner and appliance, fit the surround, and test the system. A site inspection or measurement appointment may happen earlier and could be billed separately.
Labor charges commonly range from $1,000-$2,500 for a straightforward installation. The lower end is more plausible when the chimney is ready, the liner route is uncomplicated, and no major removal is required. A job involving old equipment, difficult roof access, or masonry work may take longer and exceed this range. Ask whether the bid includes cleanup and a first firing or operating demonstration.
Installation dates depend on dealer stock, crew scheduling, and weather-sensitive roof work. A standard appointment may be scheduled several weeks ahead during busy heating-season months. Rush scheduling, if offered, can add $200-$600. Booking during a quieter period may improve availability, though it does not guarantee a lower appliance price.
Labor is easiest to evaluate when the quote describes the tasks and any extra-hour or repair charges.
When Liner Work, Removal, or Masonry Repairs Add Expense
A chimney liner is often a major part of the installed price. A stainless-steel liner can cost $900-$2,500 installed, with the upper end more likely for tall chimneys, difficult access, insulation, or additional fittings. A quote should state the liner diameter and material, whether insulation is included, and whether the cap and connection pieces are covered.
Removing an old wood or gas appliance can add roughly $150-$600, depending on weight, disconnection, and disposal. Hauling away fireplace debris or packaging may cost another $50-$250 if it is not included. If an existing chimney needs cleaning or inspection before installation, allow about $150-$400 for routine service; repairs are additional.
Masonry repair prices depend on what the inspection finds. Minor patching or firebox preparation may be a few hundred dollars, while damaged brickwork, a failed smoke chamber, or a new hearth surface can cost $1,000-$3,000 or more. These repairs should be separated from the insert installation so the homeowner can understand which work is essential for safe operation and which is cosmetic.
Optional accessories can change the initial total. A blower may cost $300-$650 if not included, while trim or surround upgrades can add $200-$800 depending on size and finish. A remote or other control accessory may add $100-$300. Confirm compatibility with the selected insert rather than pricing accessories by appearance alone.
Uncovered chimney or masonry work is the most common reason a simple estimate grows substantially.
Three Installed Quotes for Different Fireplace Conditions
These examples illustrate how the same appliance can produce different totals. They assume typical U.S. pricing and are not dealer quotes. Tax and permitting are excluded unless stated, and actual pricing varies with the model package, labor market, and inspection findings.
| Example scope | Equipment and materials | Labor and site work | Estimated total |
|---|---|---|---|
| Simple 18 ft masonry chimney | $4,200 insert, $1,100 liner and cap | 10 crew hours, $1,300 installation, $150 delivery | $6,750 |
| Typical 22 ft chimney with blower | $4,600 insert, $1,500 liner, $450 blower | 12 crew hours, $1,700 installation, $400 hearth adjustment | $8,650 |
| 25 ft chimney with old insert removal | $5,200 insert, $2,200 insulated liner, $600 surround | 16 crew hours, $2,300 installation, $450 removal, $800 masonry repair | $11,550 |
The first example assumes a clean, accessible fireplace that needs no masonry work. The second includes a moderate hearth adjustment and a blower priced separately from the insert. The third reflects a taller chimney, an insulated liner, removal, and repair work; those additions explain why it exceeds the usual installed range.
When comparing these scenarios with a real estimate, check that each quote covers equivalent equipment and labor. A quote that excludes the liner or chimney cap will look lower than one that includes a complete venting system. Also check whether disposal, tax, permit fees, and post-installation testing are included.
Matching the scope line by line is more useful than comparing total prices alone.
Ways to Lower the Installed Price Without Cutting Required Work
Start with a written inspection and a measured quote. Clear findings can prevent both underestimating necessary work and paying for unnecessary upgrades. Ask the installer to separate required safety or code work from optional finish improvements, and request an explanation for any allowance that is not tied to an identified condition.
Keep the project scope focused. If the existing hearth and surround meet the insert’s requirements and are in good condition, retaining them may avoid $300-$2,000 in replacement or finish work. Choose a standard finish and included accessories where suitable; decorative trim, specialty finishes, and separately purchased controls can add several hundred dollars without changing the core installation.
Compare at least three itemized quotes from qualified local installers. Check the Lopi model and included components, liner diameter and length, insulation, cap, labor tasks, warranty terms, and cleanup. Ask whether the quote assumes the chimney is sound and how unexpected repairs are priced. A low bid that excludes required liner work may not be the least expensive complete option.
Prepare the room and access route before the crew arrives, following the installer’s instructions. Moving furniture and protecting valuables can reduce delays, but homeowners should not remove fireplace components or modify the chimney unless the installer approves. Scheduling before peak fall demand may make appointment dates easier to secure; compare the same equipment package rather than assuming an off-season discount.
Preserve required venting and clearance work, and save by controlling optional finishes and avoidable labor.