A home is a valuable asset, but it’s also a constant responsibility that at times may require you to compare homeowners insurance. Of course, if you’re like most homeowners, you want to keep your asset in good shape and perform regular maintenance. However, if you’re a first time homeowner, you may not realize that regular upkeep is nearly always a requirement of any homeowners insurance policy. In nearly all cases, failure to properly maintain your property can result in your insurance carrier refusing to cover the costs of damages.
Compare Homeowners Insurance and Maintenance Requirements
When you compare homeowners insurance quotes, the requirement to perform regular maintenance on your home is an important financial aspect to consider. For example, if you don’t have much time to perform your own maintenance such as cleaning the gutters, making sure the chimney is swept, and trimming all trees and shrubs so none damage the exterior of your home—or any passerby—in a storm, you’ll need to factor in the costs of hiring a company to do this for you when you compare homeowners insurance. However, if you love to spend your weekends replacing broken window frames, re-wiring the exterior lighting on the back porch, or paving the drive way, you can likely compare homeowners insurance without adding extra costs for upkeep by professionals.
Make a Smart Choice and Follow Through
It’s vital that you’re honest with yourself when you compare homeowners insurance. It won’t do you any good to choose a low premium and promise to maintain your property yourself if you don’t follow through. When you compare homeowners insurance, add realistic expected maintenance costs to your premium and deductible before choosing your policy.