When you own a home, it's important to understand the main purpose of homeowners' insurance is to protect you from major risks like fires, hail, explosions, theft and wind storms. What it doesn't cover is flooding, earthquakes or everyday wear and tear — or poor maintenance.
It's crucial for homeowners to learn about proper home maintenance. Not only can regular upkeep on the house help homeowners avoid paying for major repairs out of their own pocket, it can also help deter insurance claims that could bring a spike in premiums.
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