Home Maintenance & Deep Cleaning Checklist for Spring

Ah, spring! The weather is warmer, the days are longer, the sun shines brighter, and it’s time for the annual spring clean to freshen up the house and shake off those Winter blues. In addition to making the house feel refreshed by giving it a good once over, there are a few maintenance activities you can do around the house that will help you prevent some costly homeowner’s insurance claims. So, this year, as you’re mopping and polishing, take a moment to go through our ten-point checklist to make sure your home is thoroughly ready for the months ahead.

Home Maintenance & Deep Cleaning Checklist for Spring

  1. Change the batteries on all smoke and carbon monoxide detectors: While this should be done more than once a year, spring is a wonderful time to check all detectors are in proper working order
  2. Clean gutters and spouting: Gutters and spouting direct water away from the roof and house, ad prevent damage to both, so it’s important to keep them free of debris
  3. Repair driveway / yard: Check outdoor areas for any broken, uneven or cracked surfaces. Fix as necessary to prevent accidents on your property
  4. Clean up yard materials: Pick up branches and leaves from autumn making sure to trim and tidy up al shrubbery. Where possible, try and keep branches and shrubbery away from utility wires and windows to help prevent theft
  5. Prep lawn-mowers, trimmers and garden tools for use: Fill your lawn mower with fuel, change the oil and consider sharpening the blade. When you’re finished, store additional fuel and oil in a well-ventilated area, away from the house
  6. Check the boiler: Check for any leaks or corrosion, and have them repaired as needed
  7. Adjust outside lighting and heating timers: The days are longer and the weather is warmer so adjust your time clocks to save electricity and fuel
  8. Examine the windows and doors: Inspect all seams around the windows and doors to look for cracks where moisture can enter and cause damage. Replace as necessary
  9. Repair rotted wood: After Winter, the snow melts and the April showers leave your property damp, so it’s important to check for signs of rotted wood and repair the damage
  10. Clean the tumble dryer hose: Having a clogged hose not only costs you more money by having to use the tumble dryer for longer to dry laundry, but it is also one of the leading causes of house fires

Just like cleaning out your tumble dryer and kitchen cupboards and re-organising the garden shed, giving your finances a good scrub down should be part of your annual routine - starting with your home insurance policy.

Your home is probably your most valuable asset and your largest investment, so protecting it with the right home insurance should be a priority. 25Plus.ie does just that and offers the option to add Accidental Damage cover to your home insurance policy so that in the event of an accident occurring to your home contents, we will cover the cost to repair or replace the damaged items. This coupled with our New for Old Home Insurance cover, which means we will replace items as new if destroyed by an insured event, ensures you are protecting your possessions to the highest extent. The cost of a home insurance policy takes many factors into account, including the size, type and location of your home. It will also consider whether you have an alarm system installed. The premiums you pay to insure your home can change for numerous reasons, most of which are outside of your control. With this in mind, 25Plus.ie have developed the following tips to help you minimize your premium prices.

protect your home with the right home insurance

1. Shop Around

If you’re not happy with a quote or the service from your existing provider isn’t up to scratch, then shop around. In addition to considering trusted opinions from your family and friends, contacting several insurers and brokers is often a simple but effective way to reduce your premium, providing you are comparing 25Plus.ie like cover. Online companies like 25Plus.ie can pass on their lower operating costs to customers in the way of cheaper premiums.

2. Consider Being Loyal to Your Insurer

Some home insurance companies reward customer loyalty. As long as a policyholder is in good standing and remains claim-free, most insurers reduce the cost of their premium each year. 25Plus.ie offer a loyalty discount for new home insurance quotes to all customers who currently have any other kind of policy with us – that can be car insurance or travel insurance.

3. Pay annually

While spreading your payments over monthly instalments may seem more manageable, it’s almost always more expensive because you’ll be charged interest by the finance company and an additional admin fee.

4. Increase your voluntary excess

One of the most common ways to slash your cost is to increase the voluntary excess. Voluntary excess is the amount you agree to pay towards a claim in addition to the compulsory excess set by your insurer. By opting to pay a higher amount of voluntary excess when you take out your home insurance policy you may receive a lower premium. It is important to make sure that you set the voluntary excess at a sum that you would comfortably be able to afford in the event of making a claim.

5. Improve your home security

Most insurance companies will factor in whether you have adequate security on your property when calculating your premium such as a working security alarm system. If you’re considering installing additional security, be aware that some electrical work will not be covered under accidental damage if it’s completed by an amateur, therefore if you’re not too sure what you’re doing it’s probably best to avoid any accidental damage claim and call in the professionals.

6. Only pay for what you need

Check what extras you’re paying for, and whether you need them. When taking out a new home insurance policy, you’re likely to be offered a wide variety of optional extras and it’s important to make an informed decision. You could reduce the cost by going for a basic policy and excluding accidental damage cover. This can save as much as 20% on the cost of your insurance although you run the risk of your home contents not being covered in the event of an accident occurring.

7. No-claims discount

If you don’t make a claim on your policy you can build up a no-claims discount when it comes to renewal. This may be worth considering if you’re thinking about making a small insurance claim that you could instead pay for yourself to preserve your no-claims discount. If you don’t make any claims, you will usually earn a discount on your premiums. This can cut the cost of your insurance by as much as 50% after five years.

8. Maintain your property

Avoiding incidents is perhaps the best route to keeping insurance costs down. Burst water pipes are among the most common home insurance claims due to the generally cold Irish weather, so make sure to adequately insulate your pipes to reduce your chance of having to make a claim.

For more information on 25Plus.ie’s Cover and Policy please visit the Home Insurance section on our website.

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