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Becoming a homeowner is exciting, but it comes with a list of serious responsibilities! Here are some essential tips and checklists to help you settle in smoothly. These can also be useful for seasoned homeowners as friendly reminders of important areas of the property to maintain:

New Homeowner Tips

• Change the Locks – Ensure security by replacing locks or rekeying them
• Locate Shut-Off Valves – Know where the inside and outside water, gas and electrical shutoffs are in case of emergencies or service needs
• Inspect and Maintain HVAC – Change air filters regularly and schedule maintenance
• Check Smoke & Carbon Monoxide Alarms – Replace batteries and test alarms
• Create a Home Maintenance Schedule – Regularly inspect the roof, gutters, and plumbing
• Build an Emergency Fund – Unexpected repairs happen, so set aside savings
• Understand Your Home Insurance Policy – Know what’s covered and update if needed. Speak with a licensed insurance broker to be sure you’re properly insured for your unique situation.
• Shop around to save on Mortgage Insurance – you can save up to 50% by securing your own life insurance instead of accepting what is offered by your lender. Every penny counts, and in this case, it pays to shop around
• Meet Your Neighbours – Building good relationships can be helpful for security and community support

New Homeowner Checklist

Before Moving In

• Transfer utilities (electricity, water, internet) to your new address or into your name
• Deep clean the home
• Inspect for leaks, pests, and structural issues
• Change locks and security codes
• Consider mail forwarding and create a list of who needs your new address for mailings. Don’t forget to update your drivers licence and health card too!
• Request time off work for your move well in advance
• Make a box of cleaning supplies, bathroom essentials, a moving day toolkit, chargers and extension cords, light bulbs and batteries, garbage supplies to go with you so they are easily accessed on moving day.
• Pack a suitcase with your personal items and bedding that you can easily access at the end of a long moving day!

First Week

• Unpack the essentials first (kitchen, bathroom, bedroom)
• Set up home security (cameras, alarms) and your internet
• Purchase a fire extinguisher
• Test appliances and plumbing and report any defects to your realtor or arrange repairs. Consider service appointment for large appliances to keep things in good repair
• Locate circuit breakers and shut-off valves

First Month

• Organize important documents (deeds, warranties, as well as new account numbers for utilities and taxes)
  Set up a maintenance schedule for your new home
• Go over your budget once new bills start appearing to keep an eye on your home’s monthly bills so you can make changes if needed
• Check insulation and weatherproofing in preparation for wet and cold weather
• Plan landscaping and exterior upkeep

For expert home insurance advice and a free quote, contact a Staebler Insurance Broker at 519-743-5228

For expert mortgage insurance advise, contact Plan for Wealth Ltd. at 519-778-0905

The Insurance Bureau of Canada (IBC) has a handy home inventory list, that can help you keep track of your belongings and their values: How to Manage Risks at Home



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