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

Search All Blogs

Generic filters

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

Read More Blogs

Beyond Boredom: Unearthing the Surprising Stories Behind Our Favorite Board Games

Game night secrets revealed! Discover the surprising origins and quirky facts behind your beloved board games.

Avoiding the Pitfalls: Common Mistakes of At-Home Businesses

Launch your home business right! Learn to avoid the common errors that can derail your entrepreneurial dreams.

Your Life Insurance Recipe: Crafting the Perfect Blend for Your Family’s Future

Find your perfect life insurance mix: Learn how to blend term and permanent policies for optimal family protection.

From Ford’s Innovation to Today’s Marvel: Unveiling the Secrets of Modern Car Production

Beyond the assembly line: Discover the surprising speed, customization, and quality checks involved in modern car manufacturing.

Beyond Pizza and Promises: Recognizing When It’s Time to Hire Professional Movers

Time to call the pros? Learn when pizza and beer just won’t cut it for your next move.

Mapping Our Roots: Uncovering the Stories Behind American City Names

City names revealed! Discover the historical, religious, and geographical influences behind the monikers of American cities.

The Agile Approach: Why Short, Focused Plans Are Overtaking the Mammoth Business Blueprint

Ditch the doorstop plan! Discover why concise, adaptable strategies are the new gold standard for business success.

Embracing Tomorrow: The Practical Power of Planning for Life’s Only Certainty

Face the future with confidence: Understand how planning for life’s only certainty with life insurance can provide lasting security.

Steering Your Savings: Taking Control of Your Car Insurance Rates

You’re in the driver’s seat! Learn how your credit, driving habits, vehicle choice, and smart shopping can lower your car insurance costs.

Underfoot Upgrade: Transforming Your Garage Floor from Forgotten to Fantastic

Don’t ignore your garage floor! Discover easy and impactful ways to upgrade this often-neglected area of your home.