How Maintenance and Homeowners’ Insurance Work Hand-in-Hand

How Maintenance and Homeowners’ Insurance Work Hand-in-Hand

As a homeowner, you may not see much of a correlation between protecting your home with homeowners’ insurance and keeping your home well-maintained. The fact is maintenance and insurance work together in protecting your investment. They are not necessarily exclusive of each other.

How does this relationship work? Well, as a homeowner, you have a certain obligation and commitment to keep your home properly maintained. This includes making sure any leaking pipes are taken care of promptly, your home is inspected for termites regularly and mechanical systems like HVAC, electric and plumbing are maintained. If they are not, you may not be able to rely on your homeowners’ insurance to step in to cover the cost of repairs.

Homeowners’ insurance is intended to repair a home should certain covered claims occur. These may include fire, storm damage, vandalism and more. If damage occurs however, because of lack of maintenance, coverage may be denied. There are multiple examples of this.

Let’s say, for example, you have an old roof that is leaking. Rather than repairing or replacing it, if it is allowed to continue leaking and water causes further damage, that damage may not be covered. The same could be said for termite damage or leaking pipes that have not been addressed promptly.

Homeowners’ insurance should not be confused with what is known as home repair insurance. This is coverage that may be purchased to help cover the costs of repairs of major appliances like refrigerators, washers, dryers and ovens. Those are totally separate products.

The bottom line is, as a homeowner, you should take responsibility to make sure you have appropriate homeowners’ insurance and you should maintain your home properly. This is the best way to protect your investment.

It can be easy to neglect certain maintenance issues on your home. It can also be easy to forget about your homeowners’ insurance. This is why you should conduct routine maintenance every spring and fall. You should also have a homeowners’ insurance policy review every few years. An insurance review will make sure your insurance is keeping up with rising home values and any improvements you may have made. Contact one of our independent agents for a no cost review. We may even be able to save you on improved coverage.

Maintain your home and maintain adequate homeowners’ insurance with an insurance review and price quote. Contact us today to learn more.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Pimp My Ride… Responsibly: How to Insure Your Customized Car

Custom Rides, Covered Costs: Protecting Your Upgraded Car with Insurance

Home Sweet Secured Home: Why Homeowners Insurance is Your Superhero, Not a Villain

Home is Where the Heart (and Coverage) Is: Why You Need Homeowners Insurance

Cabin Fever Blues Got You Down? 8 Fun Ways to Bust Out of Your Boredom Bunker!

Stuck at Home? Beat Cabin Fever with These Fun (and Easy) Activities!

Business Buddies or Insurance Experts? Why BFFs Aren’t Always the Best for Biz Coverage

Friend in Insurance? Consider These Before Mixing Business with Pleasure

No Needles, No Problem: Unveiling the Secrets of Life Insurance Without a Physical Exam

Life Insurance Made Easy: Skip the Physical, Get Covered Today!

Speeding Tickets and Insurance Rates: Myth vs. Mayhem (and Where We Can Help!)

Worried a ticket will skyrocket your car insurance? Let’s clear the confusion! Learn which violations affect rates, why it matters, and how to find affordable coverage – even with a less-than-perfect driving record.

Rain, Rain, Go Away! Don’t Let Roof Repair Ruin Your Day: A Homeowner’s Insurance Guide

Leaky Roof? Relax! A Homeowner’s Guide to Roof Damage and Insurance Claims

Cash: A History Lesson (and Why It’s Still Relevant Today!)

We swipe, tap, and click, but cash persists!

Sole Proprietor? Don’t Risk It All! Business Insurance for Your Peace of Mind

Running a solo business? Don’t let a lawsuit or disaster wipe you out

Beyond Million-Dollar Contracts: Why You Need Athlete-Level Protection (Even Without the Millions!)

Health is Wealth: Why You Need Insurance Protection, Even Without a Pro Athlete’s Salary