Keeping the maintenance up on your house is essential if you decide to reduce your homeowner’s insurance policy as you will be responsible for your guests’ health and safety. You make sure your valuables are locked up safely, and you buy security systems, stronger doors, locks, and windows to protect your home from theft. You even opt for a cuddly kitten rather than a large dog in order to protect visitors from attacks.
However, have you thought about keeping your homeowner’s insurance policy rates as low as possible during the different seasons? The weather during winter can cause damage to your home which can present a safety risk to the people living in it and visiting so you need to prepare for the colder season.
To make repairs to your home before winter, start at the top. Clean out your gutters and stop any leaves, debris or other materials getting stuck in them by installing a gutter protector which will keep the guttering free from clogging. Next move onto the steps and path that lead to your home and your drive of you have one. You should secure anything outside your home that is loose like handrails, steps and stones as well as filling in any cracks or holes that could be covered in snow and cause injury if someone were to step in them by accident. Think about installing a handrail if you do not have one already as it can prevent slips and falls when the area outside of your home becomes icy. Also; take a look at the outside structure of your home. If you have any cracks, repair those as well.
Now, take a look at the inside of your home. Keep drafts out of the home by sealing any cracks near windows and doors, bulk out your thermal insulation materials in the home and check that your central heating is working. You will be less likely to need homeowner’s insurance if you do this work on your house before winter and will not have to pay as much for cover so you will have more money for presents and parties.
