Owning a home can be a significant change for someone who is used to renting. While in the past you might have called the maintenance office if your sink started dripping or your heater wasn’t working right. As a homeowner, you have a lot of advantages concerning how things are done, but all of the repairs, services, and maintenance are now your responsibility. It pays to think about how you will handle issues when they come up ahead of time instead of having to scramble and make decisions in an emergency. Massachusetts homeowners insurance is designed to protect you in certain situations, such as your neighbor’s tree falling into your roof or damage caused by a fire that was started by a bolt of lightning. However, there are many other things that Fall River homeowners must take care of on their own.
Preventive Maintenance is Key
Much like owning a car, preventive maintenance is often the best home insurance in Fall River. You probably had your home inspected before you moved in, but it’s a good idea to get reputable plumbing, electrical, roofing, and HVAC professionals out to provide seasonal maintenance and perform a more thorough inspection. The sooner you can locate a leaky pipe, spot bad wiring, repair a damaged roofing tile, or get air filters for your heater replaced, the more effectively and efficiently your home will run.
While it might sound expensive, the truth is that scheduling preventive maintenance and performing required services can save you money in the long run compared to emergency repair services, replacements, and related damage to your structure. Even a small water leak can result in mold or mildew that might require entire walls to be replaced, creating an unhealthy living environment. A ventilation system that is dirty could increase your chances of developing allergies or having difficulty heating and cooling your home.
The More You Know
Another excellent tip for Fall River homeowners is to learn all you can about the property and structure itself, so if there ever is an emergency, you’ll know where to go and what to do until help can arrive. For example, the main water shut off valve is essential. If something goes wrong with a plumbing-based appliance, such as a water heater or a dishwasher, you’ll want to shut off the water right away. If you need to replace a water faucet or sink handles in your master bathroom, it’s always a good idea to shut the water off first. This can prevent gallons and gallons of water from rushing out of a pipe, which can lead to layers of underlying damage to drywall, flooring, and personal belongings.
Your circuit breaker box is also essential. If your power goes out in just one room, you might need a new fuse. The circuit breaker box should be labeled properly to help you find the right appliance, room, or feature, but this is not always the case. When you call out an electrician to perform an inspection, make sure to ask about the circuit breaker box and find out if it is possible to have everything labeled for future use. This little step can help to save you time and money in the future. You will also want to find other necessary equipment, such as your HVAC system, smoke detectors, carbon monoxide detectors, and home alarm system.
Check Your Insulation
Depending on the age of your home, you might need to replace your insulation. You can get a good idea of the status of your existing insulation products by checking your attic. A well-insulated home can save you significantly on your home heating and cooling bills, and protect your home from damage caused by rodents or insects that might find their way inside. Some insulation products might even earn you a discount on your Massachusetts homeowners insurance, particularly those that provide additional protection, such as flame resistance.
Think outside the typical “fluffy pink” materials and check out spray foam insulation and other more sustainable materials that will provide you with many more years of protection. Work with a professional to find issues with leaks or airflow problems to ensure that your home is properly sealed to keep winter cold outdoors and summer air-conditioning inside. Speak with your insurance agency in Fall River to determine if there are any products that they recommend or that might earn you a discount. This can help you to make a more informed decision concerning home insurance in Fall River.
Comprehensive Massachusetts Homeowners Insurance
The best way to protect your home is to get a quality Fall River homeowners insurance policy that covers your interests and provides you with the level of protection you need to compensate you for potential loss. Many basic policies are designed with the lender or mortgage holder in mind. Speak with your insurance agency in Fall River about additional coverage that can be purchased to protect the things that you hold most dear. Call Paul Sullivan Insurance Agency at 508-678-9611 for a FREE quote today!