How to Protect Your Home (and Not Break Your Budget) Series — Week 4
This 4-week series is a must-read for every homeowner. Once you buy a home, it’s all your responsibility! But are you truly prepared for the unexpected? Over the past few weeks, we’ve covered homeowner’s insurance, keeping your home safe, and protecting your belongings.
In this final week, it’s all about preventing costly mistakes before they happen. Regular maintenance may not feel urgent, but skipping it can lead to expensive surprises.
Why Preventative Maintenance Matters
Being a homeowner is exciting — entertaining friends, binge-watching on your big-screen TV, and enjoying your beautiful home.
But here’s the scenario you want to avoid:
“I should’ve caulked those windows last summer. Now I’ve got a $2,000 repair bill for mold and water damage!”
Ouch! That’s why preventative maintenance should always be on your calendar. It’s an investment of time and money now to save thousands later.
How Much Should You Budget?
Maintenance can feel costly upfront, but think of it like insurance. Spend a little now to avoid a financial headache later.
- Set aside about 1% of your home’s purchase price each year for maintenance.
- Some years, you may only spend a few hundred dollars. Other years, you could face major projects like a new roof or tree removal.
- Older homes may need more attention, so treat this as a guideline, not a hard rule.
Maintenance “Musts”
Some tasks need a pro, some are DIY-friendly, and some are routine while others only pop up every few years. Here’s a comprehensive list to keep your home safe, efficient, and valuable:
Furnace & Air Conditioning
- Service your HVAC system every spring and fall. Consider a service contract for priority care.
- Check and change filters regularly — at least every three months. Dirty filters reduce efficiency and can cause costly repairs.
Plumbing
- Watch for leaks in walls, ceilings, and around toilets. Even small leaks can lead to big damage.
- Hot water heaters usually last around 12 years — inspect them yearly.
- Drain exterior faucets before winter to prevent burst pipes.
Electrical Systems
- Keep your system updated with grounded outlets and dedicated circuits. Safety first!
- Always hire a licensed electrician for upgrades or repairs.
Windows
- Clean windows and screens in spring and fall.
- Re-caulk or repaint trim every 5–7 years to prevent water damage and wood rot.
Critter Control
- Consider a pest service for ants, spiders, mice, or termites. Inspect yearly for termites.
Siding & Roof
- Repair peeling paint and rotting shingles promptly.
- Power wash vinyl siding every other year.
- Inspect shingles and have a roofer repair or seal worn areas to extend roof life.
Chimney
- Clean annually and check for loose bricks or mortar.
- Even gas-heated homes may have chimneys that need inspection.
Gutters & Downspouts
- Clean in spring and fall to prevent clogs and water damage.
- Ensure water drains away from the home, and consider a French drain for pooling water.
Shrubbery, Trees & Yard
- Trim trees every few years and remove dead branches.
- Keep bushes below window level to reduce pests.
- Budget for lawn care: mowing, raking, aerating, fertilizing, and seeding.
Decks, Patios & Driveways
- Follow manufacturer instructions for maintenance.
- Stain or seal decks regularly, remove weeds from patios, and clean driveways as needed.
Appliances
- Know the age and proper care for your washer, dryer, dishwasher, stove, and refrigerator.
- Budget for repairs or replacement and consider service plans for new appliances.
Make It Easy — Schedule and Record
A budget is only useful if you act on it. Create a schedule for tasks (e.g., gutters cleaned in October). Keep a record of maintenance:
- Repair dates
- Contractor info
- Receipts
- Model numbers & warranties
Apps or a binder system work great — choose what fits your style.
Preserve Your Home’s Value
Preventative maintenance keeps your home in top condition. A poorly maintained home can lose up to 10% of its appraised value, and you want to protect your investment when it comes time to sell.
You’re in control — start today with a maintenance budget and schedule.
I’m Here to Help
Need recommendations for trusted contractors, service providers, or want advice on tackling some DIY tasks safely? Reach out! I can share my favorites and help you keep your home in tip-top shape.
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