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California Home Insurance and Maintenance Planning

California Home Insurance and Maintenance Planning


Winter is a great time to rug up in front of the television or with a good book. When you get bored and find yourself looking for something constructive to do one evening, why not start planning for your annual maintenance check? Start a list now and it’ll make it that much easier when spring rolls around. Regular home maintenance is essential to keep your home in great condition, and it may even help to keep your California home insurance premiums down over the long term by reducing the risk of claims. Here’s a list of the major items that need annual checking for repairs and/or replacements:

•    Internal and exterior doors, hinges and locks;

•    Windows, window frames and locks;

•    Shutters, blinds and curtains;

•    All walls, interior and exterior – inspect them for cracks, holes, mold and moisture;

•    Floorboards or floor coverings – inspect them for holes, rips or other significant wear and tear;

•    Downpipes and gutters;

•    Electrical and plumbing systems (should be checked professionally);

•    Heating and cooling systems (to be checked professionally);

•    Electrical outlets – check that they are working properly and not damaged or loose;

•    Smoke alarms  – ensure they are working correctly and replace the batteries);

•    Fire extinguishers;

The inclusion of safety features such as deadlock bolts and fire alarms might make you eligible for reduced California home insurance premiums. Always feel free to contact our agent for full details.




The COVID 19 virus has certainly changed our lives for the short term both at home and at work. Our office is working in compliance with state and local officials and their request to minimize contact with others for the short term so that we can shorten the life of this virus.
As such, our offices will be available by phone or by e mail 8-5 Monday thru Friday. If you need to make an appointment to come by, please call us before you drop by, so we can reduce risk, and take care of our staff and just be safe.
Please don’t hesitate to call us and if for some reason you can’t reach us, please look at our website for carrier contact information. Thank You for your continued business.

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