Your Spring Checklist Includes Your Home Insurance

April 1, 2024

Your spring cleaning checklist should include not only your home, but your home insurance to make sure that you have the right coverage for your current situation.

Take the time to review your home insurance policy to make sure what’s probably your biggest investment is properly protected.

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Review your home insurance policy

Have you done any renovations? Do you want to add earthquake insurance, flood insurance or sewer backup insurance to protect your home?

Bundle your policies: If you have multiple insurance policies, such as home and auto, consider bundling them with the same provider. Many insurance companies offer discounts for bundling.

Increase your deductible: If you can afford to pay a higher deductible out of pocket, increasing your deductible can lower your insurance premium.

Install security features: Installing security features such as smoke detectors, burglar alarms, and deadbolt locks can not only protect your home but also potentially lower your insurance costs.

Here are some tips that can help you prepare your home for spring:

Inspect Your Roof: Check for any damage or missing shingles that could lead to leaks. Repairing these issues can prevent costly water damage and may even lower your insurance premium.

Clean your gutters: Remove leaves, debris, and any blockages to ensure proper drainage. Clogged gutters can lead to water damage and may impact your insurance rates.

Check your sump pump: Ensure your sump pump is working properly to prevent basement flooding. Some insurance companies offer discounts for homes with functioning sump pumps.

Trim trees and shrubs: Trim back overgrown branches and bushes to prevent them from damaging your home during spring storms. Insurance companies may consider this proactive maintenance when determining your rates.

Inspect your plumbing: Check for leaks or damage in your plumbing system. Fixing these issues can prevent water damage and may qualify you for a discount on your insurance.

Check your HVAC equipment: Install a high-quality air filter to remove particulate matter from the incoming air, in case of wildfire smoke.

Spring cleaning tips for inside your home: Spring cleaning is a great way to freshen up your home after the long winter months. Start by decluttering and organizing each room, getting rid of items you no longer need or use.

• Dust and clean all surfaces, including furniture, shelves, and baseboards.
• Wash windows and curtains to let in the sunshine.
• Deep clean carpets and rugs to remove built-up dirt and allergens.
• Don't forget to clean appliances, such as the refrigerator, oven, and microwave, both inside and out.
• Lastly, tackle outdoor spaces by sweeping the porch, patio, and deck, and cleaning outdoor furniture.

A thorough spring cleaning will not only make your home look and feel cleaner but also help maintain its value and reduce allergens.