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If you own your home, you know that it may have been a bit of journey to get you there. So many people have big aspirations to buy and own their own property to live in, as it can be a huge investment for the future. But, what we can often forget is that a house or home is going to be one of the biggest purchases you make in your lifetime. The journey may not have been easy to get there either. The saving, the working through your bills and monitoring your credit score for mortgages, and even the house buying process can be pretty stressful.
But once you are in, you start to feel a little more secure. Who doesn’t love walking through the door of their own property at the end of a hard working day, knowing that they can close the door on work and life and really relax with the people that matter most? So, it shouldn’t be a surprise that people can be extremely cautious and protective of their family homes. But are we being too cautious? Could we do more or less to protect ourselves and our homes? I wanted to explore some of the common ways people protect their properties. Perhaps adding insight as to whether something is a must, or perhaps something that might not be essential. Either way it could provide you with some food for thought for your own home.
Insurance policies and home warranty covers
We are all encouraged to consider the protection we have in place in our home, and oe of the popular ways to do that is through warranty policies and home insurance covers. Both can be quite different. Often, a warranty can be a great thing to have to protect your home for some of the things that could potentially go wrong. After all, we have warranty covers for some of the most expensive things in our home, why no our homes themselves? However, it is always advisable to compare home warranty providers to make sure you get the best deal. Home insurance policies can vary and be different in regards to the cover they have in place. Some will protect for things like adverse weather conditions, and some may just cover you for the contents you have inside. However, often these things are seen as essential to protect yourself and your home, not just physically but also financially.
Protecting your home from opportunists and burglars
No one can ever predict what will happen to your home and when, not to mention the thought process and actions that of an opportunist or burglar. So these days it is always a good idea to have some added protection and security in your home. Of course, the thing to think about would be an alarm system. This tends to be the most popular thing to have on your home. However, there is so much advancement with the technology that you can be a little spoilt for choice. You could have security cameras, on the inside and the out. You could even have a camera on your doorbell so that you can see if anyone is lurking around your front door. Some security systems are so advanced, so you need to ask yourself whether you need all of the equipment available. Your area and recent crime rates could help you make a more informed decision on that.
Are we protected financially?
There is a financial protection that people tend to have in place because they now have a home, especially to cover if something was to happen to one of them and that could leave a big dent in regards to a mortgage payment. So life cover, critical illness policies, etc are becoming more and more popular. However, you may want to check your employment contract, as some employers offer a payout should anything happen to you and most employers off a sick pay package. You may find that you don’t need as much cover as you once thought.
Could we do more physically?
Finally, you may want to look at the possibility that you could be doing more physically to protect your property. Some of the big jobs like gutters and protecting pipes might not be your idea of fun, but it could protect you from problems moving forward. There are other aspects that you might want to consider, such as regularly checking your property condition on the inside and out, we can often lose sight of what is there if we aren’t specifically looking for potential issues.
I hope that these options help you to decide whether you are cautious enough with your home.