As 2019 comes to a close, it’s natural to reflect on everything that happened and start to make resolutions for the things you want to happen in the New Year. While many people make typical resolutions regarding weight loss, healthier diets, and increasing savings accounts, it is a good idea to be more practical with some of your hopes for the future. Your Fall River insurance agent wants to remind you to think about your home and the future care and protection of your home for 2020 and beyond. Your Fall River insurance policy is designed to protect you and provide coverage that meets or exceeds mortgage holders and legal standard requirements. Our mission is to protect our customers and look out for their interests when it comes to home insurance in Fall River. Contact one of our team members to go over your existing policy or to get a FREE quote for Fall River homeowners insurance at Paul Sullivan Insurance Agency.
Resolution #1 – Get Organized
A clean, organized, and clutter-free home is a much safer home for everyone involved. A place for everything and everything in its place might seem like a pipe dream, especially if you have small children with lots of toys, but it can happen. Start the New Year off by going through closets, storage cabinets, and other areas where clutter accumulates as you put away your holiday decorations. You can get rid of things you don’t use by donating them, recycling them, or tossing them if they can’t be re-used in another way. Consider metal shelving units for the garage and organize items into labeled bins for easy finding when you need them.
Resolution #2 – Go Natural
Many American homes are filled with chemicals. The things that we use to clean our homes can be toxic to many people, especially those with skin sensitivities. Consider changing the cleaning products, laundry products, and other items that you use indoors to decrease the amount of chemicals stored in your home. This approach can also make your home safer and lower risk for chemical-related fires.
Resolution #3 – Increase Cleaning Skills
Certain things in your home can be more difficult to clean than others, but taking time to learn the proper way to do it can extend their life and increase the value of your home. Window screens, HVAC filters, furniture, ceiling fans, and kitchen appliances are just some of the things that regularly require your attention.
Resolution #4 – Go Green
Consider switching out old light bulbs to LEDs, upgrade windows to improve insulation from year-round temperature changes, consult with a pro regarding your home insulation, and make sure your HVAC unit is running effectively and efficiently. Sometimes the smallest changes can make the most significant difference and might even lower the rates for your Fall River insurance policy. Discuss any upgrades you make with your Fall River insurance agent to find out if they qualify for a discount.
Resolution #5 – Check Your Systems
One thing that many homeowners overlook is to have the primary systems of the house inspected and checked on a regular basis. Annual checks should be performed for the plumbing and sewage, electrical, roofing, insulation, and HVAC systems. This is one of the best approaches to home insurance in Fall River – making sure that all of your systems are in good working order.
Resolution #6 – Smoke Alarm Check
Resolve to check your smoke alarms, carbon monoxide detectors, and fire extinguishers at the start of every year. It not only provides excellent peace of mind but can also help you to keep track of regular inspections.
Resolution #7 – Outdoor Maintenance
Buried under a few feet of snow, some outdoor maintenance might not be possible. However, the best way to maintain Fall River homeowners insurance is to make a list of things that should be checked as soon as the snow and ice melt away. Clean out those gutters, check for any seasonal damage that may have happened during the winter, begin prepping your lawn for the spring, and take care of any painting or repairs that will help to maintain your home’s value.
Resolution #8 – Save for Upgrades
Do you want to put in a new alarm system with video cameras? Have you always wanted to add a pool or a spa to your backyard? Does your home need a new fence or a landscaping overhaul? Start saving for all of these upgrades and by the time the ground is soft again, you might be ready to invest in your home. Don’t forget to update your Fall River insurance policy to include your new add-ons and upgrades!
Resolution #9 – Pay Off the Mortgage
The more you can do to pay down the balance on your mortgage ahead of time, the less interest you will pay over the life of the loan. This can help you to be free and clear of a monthly mortgage bill as you head on into the next phase of your life.
Resolution #10 – Go Over Your Policy
Contact your Fall River insurance agent at Paul Sullivan Insurance Agency to go over your existing policy. Your Fall River insurance policy should change and evolve as your home, and unique needs adjust. Your Fall River homeowners insurance should protect the things that matter most. After all, a house is usually the most significant investment that any person makes throughout their life. You need to make sure you have enough home insurance in Fall River to protect it. Call Paul Sullivan Insurance Agency at 508-678-9611 to speak with one of our friendly and knowledgeable agents.