Saving money on your insurance premium can be much easier than you think. The best way to approach avoiding a home insurance claim is to stay on top of maintenance. Learn the top ways we found have saved our customers from needing to submit a claim, ultimately saving money on insurance premiums.
Roof Maintenance
Roofs are the top way to save money on insurance claims. After a windstorm, look for loose shingles. Go up to inspect or have someone inspect the roof for you. Make sure that your roof is repaired timely. Do not try to get one more year out of a roof in poor condition.
Shrubbery and Tree Branch Upkeep
The next thing you want to look for is rubbing on your house. Has a shrub in the corner become so overgrown that it is damaging your house or rubbing on the siding? Are there tree branches that need to be trimmed back to protect the home? Simple trimming of shrubbery and tree branches may avoid the need to replace damaged roof and home siding.
Update Laundry Machine Hoses
When you move indoors, one of the first things you want to look at is your washing machine hoses. Replace them on a regular basis. It is much easier to spend a few dollars then to come home and find water running throughout your laundry room. Water damage claims can cause an increase on insurance premiums.
Water Heater Care
Look at your water heater. If it is wet underneath it, it may be starting to leak. Similar to your washing machine, review and maintain working condition of these appliances to avoid water damage that may equate to an insurance claim.
Replace Water Supply Lines Often
Refrigerators and dishwashers are additional appliances to remember. Water supply lines from ice makers or dishwashers need to be inspected on a regular basis. It is much cheaper to spend a few dollars to replace them now then to have a large claim from water damage.
Check out our home insurance options to learn about more ways on how Harmoning Agency can help you protect the things that matter that most to you.