The Diy Projects

Whether you believe it or not, you can actually tackle that DIY project you love on Pinterest. And what’s better, it could save you money on your home insurance in Ohio.

Home improvements, whether it’s regular repairs or remodeling to sell are part of being a homeowner. With the creative help of sites like Pinterest, it has become an even more attractive option to take on a home improvement project rather than calling in a contractor.

With proper guidance and preparation, homeowners can take on some of the biggest DIY projects without impacting their pocketbooks. Today we’re looking at some of those projects and how they can lower their home insurance in Ohio.

Heating, Ventilation, and Air Conditioning (HVAC): Updating and keeping the HVAC system in good working condition can reduce homeowner’s insurance premiums. A good rule of thumb is that if a system is more than 10 years old, insurance premiums are likely to rise.

Over time, the insulation on outdoor air conditioner lines can age, wear and eventually begin to rot. This can cost the homeowner valuable energy. A great DIY project for air conditioner repair is replacing the rotten insulation.

Roof Improvements: With the risk of damage from natural disasters and weather, the roof is one of the most important components of the home that needs to be maintained. If you live in an area known for severe weather, homeowners should invest in impact-resistant roofing. This can cut the cost of home insurance in Ohio as much as 30-40%. While many roofing repairs are best left in the hands of the experts, some repairs such as fixing a roof that has been damaged by a fallen tree can be a DIY project.

Pool and Fence Safety Improvements: Erecting a fence around the swimming pool is not only a smart insurance saver, in some states, it’s a requirement. In addition to the insurance advantage, this security measure protects the homeowner and neighbors because it decreases the chance of someone wandering into the yard and falling into the pool. And that can be a lawsuit waiting to happen.

In addition to increasing your insurance coverage and building a fence around your pool, you should keep it drained or covered when not being used. Fences also help lower the cost of home insurance in Ohio by acting as a barrier to vandalism or burglary.

Focus on Security: There are several improvements homeowners can perform for the purpose of enhancing security, many of which will lower insurance premiums. Following are some examples.

  • Installing home sprinkler systems and smoke detectors.
  • Installing shatterproof windows instead of standard window panes.
  • Putting in motion-sensor lighting.
  • Making sure all electrical wiring is up-to-date. Insurance companies pay particular attention to electrical wiring because it makes homes less likely to experience an electrical fire.
  • Leak detectors can warn homeowners of plumbing failures by using battery-operated or plug-in temperature sensors to detect furnace breakdowns which lead to frozen and bursting pipes.
  • People with homes in areas prone to severe weather can put up storm shutters, which can save the homeowner up to 30% on that portion of the insurance premium.

Before attempting any DIY improvement projects, homeowners should consult with their insurance provider for expert advice. There’s no point in wasting a lot of money if it won’t actually reduce your home insurance in OH. To be sure you have the coverage you need to protect you and your home, contact us today to get started.