Could clutter increase your homeowners insurance rates? Maybe. Depending on where you live, many homeowners insurance underwriting guidelines are beginning to include more than square footage and distance to a fire station when quoting a homeowners insurance policy.
Clutter comes in many forms; vigilant homeowners should recognize potential hazards, liability and other risk before they happen.
Pride of ownership makes a difference in the value of your home when it sells, but it also sends a strong signal about how you take care of the property and the potential for injury or liability claims. Use this quick checklist to see how your property measures up.
Trimmed trees and shrubs. Not only do trimmed trees increase visibility and make it more difficult for would-be burglars to break into your home but trimmed trees tend to do less damage during storms.
Remove trash, clutter or disabled vehicles on the property. Many types of debris can increase fire risk or inadvertent injury.
Make sure swing sets, hot tubs, trampolines and other potentially attractive hazards are cleared away or fenced if in use. These items are often magnets for children. Their natural curiosity and tendency to play can inadvertently increase the risk of injuries or accidents on your property.
Keep driveways, stepping stones and walkways well-maintained and free of obstacles. Don't risk an injury or accident due to stairs in need of repairs, cracked driveways or split walkways ... take care of the problem and make it easy for family and friends to navigate anywhere on your property.
The above-listed tips are for informational use only. Refer to your insurance policy contract for specific information regarding your coverages and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.