If you’ve been struggling to keep your Matthews, NC home organized and tidy, it could be more than just an inconvenience—it may also affect your home insurance coverage. There are some circumstances in which clutter can make a home ineligible for certain types of coverage, so it’s essential to understand the risks involved and put a plan in place to mitigate them. In this post, JC Demo Insurance Group explains.

The Hazards of Clutter 

Clutter can come in many forms—from stacks of old newspapers and magazines to piles of clothing or toys that never seem to stay put. No matter what form it takes, clutter can cause serious damage inside and outside of your home. For example, if a pile of books falls over onto an electrical outlet, it could cause a fire. It can also attract pests like mice or cockroaches, carrying disease into your living space. In addition, clutter can make it difficult for firefighters or other first responders to get around quickly should an emergency arise. 

Insurance Implications 

Understanding that clutter isn’t necessarily excluded from home insurance policies is essential. However, if too much clutter in your home poses a significant hazard, insurers may be reluctant to provide coverage in certain cases. This is because clutter increases the risk of fires and other disasters within your house’s walls. To have access to full coverage for their homes, homeowners must demonstrate that their property is safe from hazards such as excessive clutter. 

Keeping your Matthews, NC home free from excess clutter can save you money on future insurance costs. Do you still have questions? Contact JC Demo Insurance Group today!