Home insurance is meant to be your safety net when the unexpected happens, but that doesn’t mean it covers everything. At Nieroda Insurance Agency in Saint Charles, MO, we often remind homeowners that regular maintenance isn’t just good for your home; it’s also key to ensuring your insurance works the way you expect it to.

Insurance Isn’t a Substitute for Upkeep

One of the biggest misconceptions about home insurance is that it covers all damage, no matter the cause. In reality, most policies are designed to cover sudden, accidental damage, not problems that develop slowly over time. If your roof leaks due to years of wear or your pipes burst because of long-term neglect, your claim might be denied. That’s where consistent maintenance comes in. Keeping your home in good shape helps prevent issues and ensures you’re not left footing the bill.

Claims Can Be Impacted by Condition

Insurance companies often assess the condition of your home when processing a claim. If damage could have been avoided with proper upkeep, your payout could be reduced—or denied altogether. For example, if a tree falls on your house during a storm, but that tree was clearly dying and should have been removed, your insurer may see it as a preventable event.

Protect Your Investment and Your Policy

Your home is likely one of your most significant investments. By staying on top of maintenance tasks like cleaning gutters, checking for leaks, and servicing your HVAC system, you’re not only protecting your property, you’re also protecting your insurance coverage.

Have Questions About Your Policy?

Nieroda Insurance Agency in Saint Charles, MO is here to help you understand how home maintenance affects your coverage. Reach out today to review your policy and make sure you’re fully protected.