4 . Quality Construction
Building quality is crucial in protecting your home from future risks . Always work with NHBRC-accredited builders and engineers to ensure your home is built to last . If you ’ re purchasing an existing property , hire a professional building inspector before you commit to assess its structural integrity .
5 . Regular Maintenance
Your insurance won ’ t cover damage caused by neglect or poor maintenance . Regularly inspect your property and make necessary repairs to avoid claims being denied . For example , in coastal areas , salt air can cause wooden floors to warp or discolour if not properly maintained . Stay on top of minor repairs to avoid bigger issues down the road .
6 . Review Your Policies
Insurance needs change over time . Review your buildings , contents , and liability insurance annually to ensure your coverage reflects the true value of your property and possessions . Update policies as needed — especially if you make renovations or acquire new valuables .
In summary , ensure your home is protected by having buildings , contents , and liability insurance in place . Focus on replacement value , maintain your property regularly , and work with quality contractors . A proactive approach to insuring your property will safeguard your home , your belongings , and your financial security in uncertain times .
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