Home Maintenance and Home Insurance

Homeowner Responsibilities and Insurance Coverage Explained

One of the biggest misconceptions about homeowners insurance is that it will cover maintenance and repair costs. Home insurance is designed to cover sudden, accidental, and unexpected damage resulting from specific covered calamities, such as storms and fires. It’s not intended to pay for routine wear and tear.

At Mid Atlantic Insurance Financial in Laurel, MD, we aim to provide clarity on insurance so that you can make informed decisions. This includes helping you understand the value of home maintenance.

Your Responsibility as a Homeowner

Routine maintenance is a key responsibility of homeowners. You are obligated to keep your property safe and livable. As windows age, they should be replaced. Small leaks in the roof need repair. Fences should be maintained to preserve their integrity.

Even infestations are considered preventable and part of routine maintenance. Inspect and seal any gaps that could serve as potential entry points for insects and rodents. Secure the services of a pest control company to avoid future problems.

Additionally, homeowners are responsible for maintaining their homes’ mechanical systems, including heating and air conditioning. As homes age, plumbing may rust, and electrical systems may become outdated. Maintaining the integrity of these systems falls under the homeowner’s responsibility.

Understanding Homeowners Insurance

For those living in the Laurel, MD area, we invite you to contact us at Mid Atlantic Insurance Financial if you have any questions about homeowners insurance. We can review your policy to ensure your coverage aligns with your expectations. If you wish for us to prepare a no-obligation quote, we will be glad to assist.

The more you understand your insurance, the more informed you will be as a consumer. At Mid Atlantic Financial, we are here to help.