Calgary! Reduce Home Insurance Costs with Proper Home Maintenance
- Carissa Carleton
- Jan 11
- 3 min read
Updated: Mar 20
Owning a home is one of life’s biggest investments—and protecting it requires more than just insurance. While your policy is there to help you in emergencies, proactive home maintenance is one of the most effective ways to avoid insurance claims, reduce risks, and even prevent rate hikes over time.
So, how can regular maintenance keep your home safe and your insurance costs manageable?
1. Fewer Claims = Lower Premiums
One of the biggest factors influencing your home insurance premiums is your claims history. Submitting frequent claims can flag you as a high-risk homeowner, leading to higher rates.
How Maintenance Helps:
• Prevention: Addressing small issues—like fixing a leaky pipe or replacing worn shingles—can prevent larger problems like water damage or roof collapse, both of which are common insurance claims.
• Longevity: Regular upkeep of your home’s systems, such as HVAC, plumbing, and electrical, ensures they function properly and reduces the likelihood of costly breakdowns.
2. Avoid Costly Water Damage
Water damage is one of the most common (and expensive) insurance claims. Insurers often classify it as preventable, so neglecting maintenance may result in a denied claim.
Maintenance Tips to Prevent Water Damage:
• Inspect and clean gutters regularly to prevent water pooling around your foundation.
• Check for leaks in plumbing and shut-off valves to catch issues before they worsen.
• Install a sump pump and test it periodically to avoid basement flooding.
• Maintain caulking and weatherstripping around windows and doors to keep water out.
3. Protect Your Roof
A well-maintained roof is essential to keeping your home safe from the elements. Roof damage can lead to significant claims that impact your insurance rates.
Key Maintenance Actions:
• Inspect your roof for missing or damaged shingles after storms.
• Clear debris from gutters and downspouts to ensure proper drainage.
• Schedule regular professional inspections, especially if your roof is older.
4. Reduce the Risk of Fire
Insurance companies know that fire risks increase without proper maintenance. Faulty wiring, neglected chimneys, and clogged dryer vents are common culprits.
Fire Prevention Maintenance:
• Clean your dryer vent to prevent lint build-up.
• Inspect and service your HVAC system to ensure electrical components are safe.
• Sweep chimneys regularly if you use a fireplace.
• Test smoke detectors and replace batteries at least twice a year.
5. Upgrade Systems for Discounts
Many insurance companies offer discounts for homes with updated systems or preventative devices. Maintaining or upgrading these systems can lower risks and your premiums.
Consider These Upgrades:
• Replace old plumbing or electrical systems to avoid leaks or fires.
• Install a home security system to reduce theft risk.
• Add water sensors to detect leaks early.
• Upgrade to impact-resistant roofing materials to protect against severe weather.
6. Avoid Liability Claims
Liability claims arise when someone is injured on your property. Proper maintenance of walkways, stairs, and railings can reduce hazards.
Steps to Reduce Liability Risks:
• Repair cracked driveways or uneven walkways.
• Ensure railings on stairs and decks are secure.
• Clear snow and ice promptly during winter months.
7. Keep Detailed Maintenance Records
While not all insurance companies offer discounts for maintenance records, documenting the upkeep of your home can support claims and demonstrate responsible ownership.
What to Record:
• Dates and descriptions of repairs or inspections.
• Receipts for professional services or upgrades.
• Photos of completed maintenance tasks.
Proactive Care Pays Off
Regular home maintenance not only keeps your property in excellent condition but also reduces the likelihood of costly insurance claims. This proactive approach can help you maintain manageable premiums and avoid unnecessary rate hikes.
Need Help Staying on Top of Maintenance?
At Squad Life, we specialize in proactive home care that protects your home’s value and reduces risks. From seasonal inspections to preventative tune-ups, we’ve got you covered. Contact us today to learn more about our subscription plans and how we can help you enjoy a stress-free homeownership experience.
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