How Home Maintenance Affects Your Insurance

House Repairs that Impacts Your Insurance in San Diego, CA

Keeping your home maintained can save you money on energy costs and in many other areas, one of which being your homeowners insurance. Courtesy of the insurance experts at American Tri-Star Insurance, here are some ways home maintenance, or a lack of it, can affect your insurance coverage.

Roof Maintenance

If your roof is damaged from a storm, your home insurance in San Diego may cover it, but some other roof issues aren’t as clear-cut. If it turns out your roof failed because general wear and tear wasn’t addressed, your insurer probably won’t cover the replacement costs. Also, if water gets inside your home because of a lack of maintenance on your roof, your insurance likely won’t cover the resulting damages.


Your homeowners insurance may not cover most instances of water damage in your home, so it’s important to take steps to ensure water can’t get in. Installing a sump pump and waterproofing your walls are just a few ways you can prevent water damage. Because some insurers will pay for certain types of internal water damage, you might get a discount if you install a backup prevention system.

Updates to Electrical and Plumbing Systems

Improvements to your plumbing and electrical systems could get you a break on your homeowners insurance premiums, especially if those upgrades replace old systems that don’t meet newer codes. If you do make such upgrades, be sure to notify your insurer and provide proof of these changes.

Upgrading the HVAC System

Some insurers may give you a discount if you get a new heating and cooling system. Older systems can increase the risk of a fire or carbon monoxide exposure, so newer systems may be safer. If you are thinking about upgrading your HVAC system, you should ask about available discounts on your insurance.

Keeping up with your home’s maintenance can act as a financial safeguard should any unforeseen issues arise. To make sure you have the best home insurance policy for your needs, contact the knowledgeable agents at American Tri-Star at 619-272-2100. We can also offer you free quotes on auto, health, commercial, and bond insurance in San Diego. We hope to hear from you soon.