Homeowners Insurance 101

If you search for “home insurance guide” on Google, you will see that there are many insurance companies out there that are offering home insurance. But if you are like most people, you’re probably overwhelmed and wondering how you should choose a policy. After all, your home is your most prized property.

The first step in the right direction is to understand how insurance works. You are basically paying for a company in advance to cover and pay for any damage that may happen in the future. The amount you pay in premiums depends on the risk assessment – the higher the possibility of damage to your home (for example if you live in a flood-prone area like FL), the more you will pay. A lot also depends on the appraised value of your home.

Once you understand this, you can be prepared for how much you would have to pay.

When choosing an insurance company, it is always a good idea to check a comprehensive home insurance guide and determine what you should be getting. Based on our research, you should be getting the following.

Extended replacement cost – This simply refers to your house being rebuilt to its original condition, even if it means the total cost exceeds the policy amount.

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Overlooked Unconventional Home Maintenance Tips

Proper, routine home maintenance not only save you money but also helps keep the environs within and around your property looking clean and presentable. You may be amazed by the amount of waste that your home can produce when neglected.

Overall, running a tidy and organized ship goes a long way in having a family that looks clean and healthy. Below are some unconventional home maintenance tips that most homeowners overlook.

  1. Never assume anything that you find broken or damaged. Ensure you fix what is repairable and throw away what is beyond salvaging.
  2. Check the AC and heating system bi-monthly to ensure it is clean and works correctly. Consider having it inspected if you hear any strange noise or there is a change in the flow of air or heat.
  3. Conduct a visual inspection of the attic and crawlspaces every other month to ensure no unwanted visitors are living and breeding there.
  4. Check your laundry and dishwashing appliances to ensure all is well. Examine the pipes for leaks or signs of corrosion and check the dryer for any loose vents or eve they are blocked with lint.
  5. Inspect the kitchen appliance every other month to ensure they are clean and working correctly; this is not only proper maintenance but also plays a significant role in upholding good hygiene in the kitchen.
  6. Regularly mow the lawn and trim the shrubs and ensure that you water the greens to keep them looking strong and healthy.
  7. Check the switches and power outlets for any visible wires and have them repaired. While at it, check for any discoloration: it can be a sign of electrical damage that should be identified and fixed.
  8. When getting rid of dirt around the house, work from top to bottom. Get rid of the dust and cobwebs on the ceiling and walls, then proceed to dust the furniture and vacuum them as well as the rugs before mopping the place.
  9. Lastly, you should have a home maintenance and inspection checklist that you update annually. It will ensure that you never miss a thing even these unconventional tips mentioned above.