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A well-maintained house can attract more than a few prospective buyers, so it’s important to have a house maintenance plan in place. Most insurance companies require a certain percentage of the insured amount to be paid as a down payment on a home, and it’s very important to keep that amount in check. A home maintenance plan should also include regular inspections for things like roofing, walls, flooring, heating and air conditioning, doors and windows, electrical systems, cabinets, countertops, flooring, toilets, sinks, showers, and other fixtures.

A home maintenance guide to save you thousands of dollars in damage

A house maintenance plan is the amount of minimal margin that a broker’s minimum level of maintenance policy is for a single family dwelling. In general, they’re usually in the 40% to 60% range. Insurance companies will occasionally offer lower house maintenance costs for their more expensive or specialized customers, but these numbers are always at or above the 20% minimum. Even for those who don’t need a house inspection, the plan should include things like routine cleaning of floors and walls, the inspection of electrical wiring, and the cleaning of bathrooms and kitchens.

When shopping around for monthly insurance quotes, keep in mind that the more detailed a plan is, the higher the premium will be. If you can’t afford to pay for the full amount up front, consider having the company provide a partial payment to cover some of the work.

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