About this time of the year, the snow melts and reveals what the outside of houses look like. The winter months can take a toll on roofs, trees, and driveways or walkways. Make sure your house is structurally sound and looking in top shape. Homeowner's insurance and business insurance coverage can be extended when these types of annual maintenance duties are taken care of.

The inside is just as important as the outside, so be sure to keep the inside clear of hazards. As spring is here and summer is around the corner, put some of these necessary precautions and maintenance tips into practice and make it a yearly priority. Homeowner’s insurance rates can be greatly reduced by taking these simple precautions each year.

Outdoor/Exterior Maintenance:

• Check the roof for damage and missing shingles.
• Gutters and downspouts should be cleared of leaves, sticks, and other debris.
• Check the foundation for masonry cracks
• Make sure that the trees are trimmed and are far enough away from power lines. Loose limbs should be cleared from trees.
• Cracked and uneven driveways and walkways should be taken care of by filling the cracks and making the surfaces even.

Indoor Maintenance:

• Make sure all outlets are safe from fire hazards, which could include frayed wires and overloading an extension cord.
• Test your air-conditioner to make sure it is running properly before the warm weather hits. Have it tested by a professional.
• Change the filter in your furnace or other heating unit.
• Check your water heater for corrosion, cracks, and leaks.
• Clear all the lint and dust from the clothes dryer exhaust vent to prevent fires and keep the vent moving air smoothly.
• Make sure all smoke alarms are in working condition and are on each floor of your home. Be sure to test them monthly.
• Replace high intensity light bulbs with fluorescent light bulbs for better energy efficiency. Always make sure the bulbs are the correct wattage for the socket they are in.
• Check the attic for mold, as it can be hazardous for disease.

 Like previously stated, homeowner’s insurance costs can be greatly reduced by taking these simple precautions each year. Having that extra insurance for your home can increase your home's value and have a higher appraisal. Not only can these tips be applied to your home, but to your business as well. Business and commercial insurance react the same way when the building for the business is in top shape. Contact your local agent or give us a call to make sure your house is getting the best coverage and best rates after taking care of these maintenance needs. Keep your insurance rates low, employees and family members safe, and customers happy.