As a homeowner, you have many responsibilities in taking care of your home. Reviewing your homeowners insurance to ensure you have adequate coverage should be on the top of that list. Changes in your home could affect your current policy, resulting in insufficient coverage or gaps. Here are just a few reasons why you should consider updating your coverage with Old Pueblo Insurance in Oro Valley, AZ.
To Add Coverage
If you’ve made major home improvements to your property, you’ll need to add them to your policy in order to protect them against damage or loss. By updating your policy, you ensure all renovations get the coverage they need.
In like manner, if you received costly gifts or bought expensive merchandise over the holidays, you may need to add an endorsement to your policy to protect these goods against theft, damage or loss.
To Increase Coverage
Major home renovations may increase the value of your property, requiring that you raise your coverage limits to cover the increase in the cost of repairing or replacing your home in the event of loss. Insufficient coverage could result in your having to pay for major repairs out of pocket.
To Receive a Discount
Home improvements that increase your home’s security such as upgrading window or door locks or installing a home security system could help lower your home insurance rates as they reduce the risk of theft or vandalism. You may also qualify for a home insurance discount by upgrading your HVAC system or improving your plumbing or electrical system as these upgrades reduce the risk of flood and fire.
By discussing these and other home changes with your Old Pueblo Insurance agent in Oro Valley, AZ, you can get a better idea of how to update your homeowners insurance in order to get the most from your coverage.
Keeping your home in prime shape requires maintenance anywhere, but Oro Valley, AZ, is home to some unique challenges. This short and easy checklist will give extra longevity to every part of your home, and providers like Old Pueblo Insurance may be able to offer discounts when your home is adequately protected from the seasons.
Manage Your Air Conditioner
Tucson summers are no joke. You’ll have the air running around the clock, and the unit is basically your lifeline for four months of the year. In order to keep it working at its best and your comfort levels sustainable, you need to give it some TLC. Every month, you should check that it is draining properly and that there are no excessive condensation points on the unit or in the vents. You also want to get it serviced annually, where the filters will be replaced and a professional can check for signs of wear. Staying on top of your air conditioner won’t just save you money in the long run; it could save your summer too.
Check for Sun Damage
Even for most of the winter, the sun will beat down on your house mercilessly. You want to inspect your roof and walls for signs of sun damage roughly twice a year. Cracks and crumbling are important signs of a problem, but the primary early indicator is bleaching. When you see things turning pale, you know that they aren’t long for this world. Getting your roof and walls repaired will prevent insulation leaks and protect you from the short but intense monsoon season. Most people who aren’t from the region underestimate just how violent the summer storms tend to be, and water damage is a common and devastating problem for the unprepared.
The sun creates vulnerabilities, and the storms blow them open, so you want to do things that can mitigate that damage in the first place. Shade is the obvious and attainable answer. Window treatments can help keep the heat out, but you can go much further. When manageable, large trees can cast healthy shade that protects your home and keeps the air conditioner from working hard. Extended overhangs and patios can have a similar effect, making summers less severe all around.
Check out the other hot tips from Old Pueblo Insurance to make sure you are the master of your Oro Valley, AZ, home.