Home maintenance checklist

Your essential guide to year-round home maintenance to help avoid costly repairs, protect your property, and stay safe.

Published: 12 Feb 2026 28 mins read

Key points

  • Regular home maintenance can help prevent costly repairs, damp, and mould, keeping your property safe and comfortable.
  • Key tasks include checking roofs, gutters, heating, plumbing, windows, insulation, and garden areas throughout the year.
  • Safety measures such as testing alarms, securing entrances, and preventing slips and falls are essential for household wellbeing.
  • Some jobs, like gas work, electrical repairs, and roof fixes, should be left to qualified professionals for safety and legal reasons.
  • Routine upkeep supports insurance claims, as most policies exclude damage from wear and tear or poor maintenance.

Let’s be honest, most of us tend to think about home maintenance when something goes wrong. But a bit of regular upkeep could spare you from the stress of emergency repairs, unexpected costs, and the hassle of chasing tradespeople during busy seasons or after weather events. Whether it’s a loose roof tile after a storm or a small patch of damp on the ceiling, taking care of these jobs sooner rather than later could help you avoid extra hassle or expense later.

That’s why having a home maintenance checklist is useful. It’s not about being a DIY expert or spending every weekend with a hammer. It’s about making life at home run more smoothly, keeping your living space safer and more comfortable, and making sure you’re not caught out by surprises. And keeping on top of these jobs is important for your home insurance. Most insurers encourage you to look after your property, and keeping up with regular maintenance can help make sure your policy works for you when you need it most.

“A bit of routine maintenance can save you a lot of trouble down the line,” says Aviva’s Technical Consultant Sharon Bruce-Alston. “It’s not just about ticking boxes for your insurer. It’s about making sure your home feels like a place of comfort, where everything beneath (and around) the surface is taken care of.”

A maintenance checklist for different household areas

Roof and exterior checks

Looking after the outside of your home isn’t just about keeping things looking smart. It’s also about protecting your property from the elements and avoiding costly repairs down the line.

Regular roof and exterior checks could help you spot problems early and keep your home safer and sounder, whatever the weather throws at you.

Here are a few actions to pop on your checklist:

  1. Inspect roof tiles – after a storm, have a look at your roof for any slipped or broken tiles. Damaged tiles can let water in, leading to leaks and damp. For safety, use binoculars from the ground or ask a professional roofer to take a closer look. If you’re a homeowner or landlord, you’re responsible for keeping roofs in good condition. Footnote [1] Leaks could not only make your home damp and uncomfortable to live in, but if left unchecked, damp may affect your health. Footnote [2]  Footnote [3]  Footnote [4]
  2. Check fence panels – fences, gates, and hedges can take a battering in bad weather. Keeping your fence panels and posts secure and in good repair doesn't just make your garden look tidy. It can help stop panels from blowing down in storms, prevent gaps that let pets escape, and reduce the risk of damage spreading to neighbouring properties. Regular checks also mean you’re less likely to face sudden, costly repairs after bad weather.
  3. Get your chimney checked by a professional – It's important to get your chimney and flue liner checked to make sure it's structurally sound and free from blockages or fire hazards.
  4. Clear gutters and drainage holes – blocked gutters can lead to damp and water damage inside your home. Clear them in autumn and spring, and check that downpipes aren’t leaking or blocked. You may also think about fitting gutter guards to reduce the risk of blockages.
  5. Repoint brickwork – if you spot crumbling mortar between bricks, it may be time to repoint. Repointing brickwork means removing old, crumbling mortar from between bricks and replacing it with fresh mortar. This helps keep your walls weatherproof and strong, preventing water from getting in and causing damage.
  6. Check exterior paintwork – peeling paint exposes wood and masonry to moisture, which can lead to rot. Sand and repaint these areas every few years to keep the materials more protected. 

Heating and plumbing

Keeping your heating and plumbing in good shape throughout the year may be an effective way to stay comfortable and, as the weather turns colder, could help avoid issues like:

  • boiler breakdowns
  • cold rooms
  • damp and mould
  • blocked pipes.

To keep your heating and plumbing ticking along, make sure to:

  1. service your boiler yearly – getting your boiler checked annually by a Gas Safe registered engineer helps keep it running efficiently and safely. This reduces the risk of your boiler breaking down in winter, which could leave you without heating or hot water when you need it most.  Footnote [5]
  2. bleed your radiators – if you notice your radiators are cold at the top, and aren’t heating up as you’d expect, bleeding them can help your heating system work better and help you save energy. This may mean your home will warm up faster and you could spend less money on heating bills. If you don’t bleed radiators, you might find some rooms stay cold even with the heating on. Footnote [6]  
  3. check for leaks under sinks and around toilets – small leaks can cause big problems if left unchecked. This can lead to damp and mould, which can damage your home and may affect your health. Footnote [3] If leaks aren’t fixed, you could end up with water damage, costly repairs, or even a home that’s unsafe to live in.
  4. insulate external pipes – foam lagging on outdoor pipes and those in the loft helps prevent them from freezing and bursting in cold weather. You may also need to shut off the valves to outdoor taps and leave them open over the winter months to help prevent burst pipes. Pay special attention to outdoor taps and pipes in unheated spaces. Insulating pipes may be a simple job that could save you from costly repairs and water damage in winter.
  5. keep clogging items out of drains – there are some items you should avoid chucking down the drain to avoid clogging and damage, like:

    - wet wipes
    - fat
    - oil
    - grease

    These types of items can build up and block your pipes. 

Windows, doors and insulation

Keeping your windows and doors in good condition may be your first line of defence to prevent damp and mould seeping in as unwanted guests.

Here are some key jobs to add to your checklist:

  1. clean and inspect windows – dirt and grime can hide early signs of damage, such as rot, cracks or warping. Give frames and glass a regular clean, so you can spot any issues before they get worse. Footnote [4] Pay particular attention to wooden frames, which may need repainting or resealing every few years to keep out moisture and prevent decay. If you notice any major damage or rot, it’s best to call in a professional for repairs.
  2. check seals around baths and sinks – cracked or peeling sealant lets water seep into walls and floors, which can lead to damp, mould and potentially structural problems over time. Check the seals in your kitchen and bathroom regularly, and reseal as soon as you spot any gaps or lifting edges. This can be a quick DIY job for some, but if you’re unsure, a handyman can help.
  3. make sure air bricks are clear – air bricks are small, rectangular bricks with holes or slots, usually found at the base of external walls. Their job is to let fresh air flow underneath your floors, which helps prevent damp and condensation from building up in your home. Over time, air bricks and vents can easily become blocked by soil, leaves or debris, especially after windy weather or gardening. Check them a few times a year and gently clear away any obstructions to keep the airflow moving. If you notice persistent damp or musty smells indoors, it could be worth getting a professional to check your subfloor ventilation.

Garden and outdoor spaces

A little attention outside can go a long way towards protecting your home and making the most of your outdoor space. Whether you’ve got a small patio or a sprawling garden, regular upkeep could help prevent problems before they start.

Some helpful additions to your outdoor checklist can include: 

  1. trimming trees and shrubs – overhanging branches can damage roofs and block gutters, especially in autumn when leaves fall. Keep branches clear of your home and any power lines to reduce the risk of damage. And if you're worried about the health or stability of any tree, it may be worth getting professional advice from a tree surgeon or gardener.
  2. securing fences and gates – loose panels and posts can blow down in storms, which could lead to unexpected repairs and potential issues with neighbours. Check that fences and gates are sturdy and fix any wobbly posts or hinges before winter sets in.
  3. cleaning patios and decking – algae and moss can make outdoor surfaces slippery and unsafe. Use a stiff brush or pressure washer to keep patios, paths and decking clean, especially during the wetter months.

Loft and insulation

The space above your ceiling does more than just store old boxes. It plays a big part in keeping your home warm and dry. Looking after your loft and insulation could help you save money on energy bills and avoid problems like damp or mould.

For your loft checklist, where it's safe to do so, you may want to:

  1. check your water tank and pipes – if you have a water tank in your loft, look for any signs of leaks, rust or damage. Insulate pipes and the tank itself to help prevent freezing and bursting in cold weather. Footnote [7] If you spot anything worrying, it’s best to get a professional to take a look. A leaking tank or pipe can cause serious water damage to your ceilings and walls, so it’s worth checking them every few months, especially before winter. Adding foam lagging to pipes may be a simple DIY job for some, but if you’re unsure, it may be worth asking for some support.
  2. make sure there’s enough airflow – good ventilation in your loft stops condensation building up, which can lead to damp and mould. Footnote [7] Don’t block air vents, and avoid squashing insulation into the eaves, as this can reduce airflow and make your insulation less effective. If your loft feels stuffy or you notice a musty smell, it could be a sign that air isn’t circulating properly. Keeping boxes and belongings away from vents helps air move freely, protecting both your home and anything you store up there.
  3. inspect loft for leaks – after heavy rain, check your loft for any damp patches, water stains or musty smells. Catching leaks early can prevent bigger problems like rot or mould. It may help to use a torch when looking around the roof timbers and insulation. Even a small drip can turn into a big issue if left unchecked, so it’s a good habit to check after storms or at least once a season.
  4. top up insulation – having the right amount of insulation helps keep heat in and bills down. If yours looks thin or patchy, consider topping it up, just make sure not to block any vents. Well-laid insulation can make your home warmer in winter and cooler in summer. If you’re adding more, lay it evenly and avoid compressing it, as squashed insulation doesn’t work as well. If you’re not confident doing this yourself, a professional installer can help.

Safety and security

When protecting your home, a few checks can make all the difference. Think of it as giving your house its own MOT, spotting small issues before they become big headaches. Staying on top of safety and security doesn’t just help you sleep a bit easier, it means you may be more prepared for unexpected events.

To help increase your safety and security, you may:

  1. test smoke and carbon monoxide (CO) alarms – press the test button on your alarms once a month to make sure they’re working properly. Change the batteries every year and replace the whole alarm every 10 years, even if it still seems fine. Footnote [8] Smoke and CO alarms are your early warning system. If your alarm doesn’t beep when tested, it’s time for a new one. You can buy replacements at most DIY shops, and they’re usually straightforward to install.
  2. check security lights and locks – outdoor lights and strong locks help keep your home secure, especially as the nights get longer. Make sure all your outside lights work and replace any bulbs that have gone out. Check that doors, windows, gates and sheds have sturdy locks, and fix or upgrade any that are loose or damaged. Check out our article on protecting your shed from burglars for more insight.

    Motion-sensor lights can be a great deterrent for intruders, and they also help you see clearly when you’re coming home after dark. If you’ve recently moved in or lost a key, it’s also worth changing the locks.
  3. keep pathways and entrances well-lit – well-lit entrances and pathways aren't just welcoming, they're safer too. Poor lighting can lead to trips and falls, especially in winter when it gets dark earlier. Check that porch lights, garden paths and driveways are lit appropriately. Solar-powered lights are a simple way to brighten up outdoor areas without needing wiring or electricity.
  4. secure ladders and tools – Keeping garden tools, ladders and other equipment tucked away not only helps your outdoor space look tidier but also adds an extra layer of security. Storing items like ladders in a locked shed or garage means they’re ready when you need them, and less likely to be used in ways they shouldn’t be. It’s a simple habit that helps keep your home secure and organised.

    Store ladders in a locked shed or garage, and keep tools out of sight. It’s a small step that can make a big difference in keeping your home secure.

Monthly essential jobs

Some home maintenance tasks are best done regularly to keep things running smoothly and avoid surprise problems. These quick monthly checks don’t take long, and they may save you time, money and hassle down the line.

Your monthly essential jobs could include checking boiler pressure, cleaning the tumble dryer filter and submitting meter readings
  1. Check boiler pressure – your boiler works best when the pressure is just right. If it drops below 1 bar, your heating might not work properly. You can usually check the pressure on the boiler’s display. If it’s low, topping it up is often a simple job using the filling loop—just follow the instructions in your boiler manual. If you’re unsure, ask a Gas Safe engineer to help.
  2. Clean the tumble dryer filter – lint builds up in the filter every time you use your dryer, and if it’s not cleared out, it can become a fire hazard. Make it a habit to clean the filter after each use. It only takes a minute and helps your dryer run more efficiently too.
  3. Submit meter readings – keeping your energy and water readings up to date means your bills reflect what you use, not an estimate. Most suppliers let you submit readings online or through an app. Doing this monthly helps avoid surprise costs and helps make budgeting easier.

Which jobs should you leave for a professional?

While many home maintenance tasks are simple enough to tackle yourself, some jobs are best left to the experts. Whether it’s for safety reasons, legal requirements or to help you feel reassured, knowing when to call in a professional can save you time, stress and paying for any costly mistakes.

You may think about getting a professional for:

  • roof repairs and tile replacement – if you spot broken or slipped tiles, it’s safer to get a qualified roofer to assess and repair the area. They’ll have the right equipment and know-how to do the job properly.
  • boiler servicing and gas work – any work involving gas appliances must be done by a Gas Safe registered engineer. Yearly boiler servicing, fixing leaks or installing new heating systems should always be handled by someone certified. For landlords, it's a legal requirement to get the boiler serviced every year. Footnote [5]  
  • electrical repairs – replacing a lightbulb is fine, but rewiring or fixing faulty sockets should be done by a qualified electrician. 
  • tree surgery and high branch removal – cutting back small shrubs is one thing, but removing large branches or trees near power lines or buildings is another. Tree surgeons have the right tools and training to do this safely, and they’ll know how to avoid damaging your property or garden.

Home maintenance seasonal schedule

Whether it’s clearing leaves before they clog your gutters or checking your heating before the cold sets in, some jobs are best done at certain times of the year. Planning ahead means you’re less likely to be caught out by bad weather or surprise repairs.

Here’s a quick guide to help you stay on top of things:

An infographic showing your home maintenance seasonal schedule
  • Spring –  check for winter damage, clean gutters, inspect fences and repaint any exterior woodwork. It’s also ideal for servicing your boiler before it may be switched off for summer.
  • Summer – tackle outdoor jobs like trimming trees, cleaning patios and checking your loft insulation. Dry weather makes it easier to spot leaks and cracks, and you’ll have more daylight to get things done.
  • Autumn – prepare for colder months by clearing leaves from gutters, securing fences and checking your heating system. Bleed radiators, top up insulation and make sure your boiler is ready for winter.
  • Winter – Focus on safety and warmth. Test smoke and CO alarms, check for draughts around windows and doors, and keep paths well-lit and clear. It’s also a good time to monitor for leaks and damp, especially in lofts and bathrooms.

Useful equipment to own for maintenance

Having the right tools can make home maintenance quicker, safer and less stressful. You don’t need a shed full of gear, just a few essentials to help you tackle common jobs with confidence.

Here’s a handy starter list:

  • Torch or headlamp – perfect for checking lofts, under sinks or dark corners. A headlamp keeps your hands free while you work.
  • Ladder – a sturdy step ladder helps with indoor jobs like changing lightbulbs or painting. For outdoor tasks, a taller ladder may be needed but only use it safely and never alone.
  • Screwdrivers and spanners – useful for tightening loose fittings, assembling furniture or adjusting radiator valves.
  • Hammer and nails – great for small fixes like securing fence panels or hanging pictures.
  • Sealant and applicator gun – handy for resealing baths, sinks and windows. Choose mould-resistant sealant for bathrooms.
  • Radiator key – essential for bleeding radiators and improving heating efficiency.
  • Pressure washer or stiff brush – helps clean patios, decking and driveways.
  • Gloves and safety goggles – protect your hands and eyes when doing DIY, especially when using chemicals or power tools.
  • Ear protectors or defenders - some tasks can be loud, so make sure to protect your ears.

You don’t need to buy everything at once. Instead, focus on building your kit over time based on the jobs you’re likely to do. And if you’re ever unsure, call in a professional.

Home maintenance and insurance

Keeping your home in good shape isn’t only about comfort. It’s also about making sure you’re covered if something goes wrong. Most home insurance policies expect you to take reasonable care of your property, and that includes regular maintenance. So, it’s worth remembering that:

  1. wear and tear isn’t usually covered – insurance is designed to help with sudden, unexpected damage, not gradual problems like rot, mould or cracked sealant. That’s why it’s important to stay on top of jobs like clearing gutters, checking for leaks and keeping your roof in good condition. If damage happens because something was left too long, your insurer might not pay out.
  2. some maintenance can help prevent claims – fixing a dripping tap or resealing a bath might seem small, but it could stop a bigger issue like water damage. Simple checks and fixes can help avoid the kind of problems that lead to costly repairs and insurance claims.

    If water escapes because a sealant has failed, your policy likely won’t cover the claim. Also, ignoring a dripping tap could count as breaking your policy conditions. To avoid problems, it’s a good idea to insulate your pipes and keep the heating on when temperatures drop, so they don’t freeze.
  3. you don’t need to tell your insurer about every job – most day-to-day maintenance tasks don’t need to be reported. But if you’re planning major work, like replacing your roof or installing a new heating system, it’s worth checking your policy or speaking to your insurer. Big changes to your home could affect your cover, so it’s better to be safe than sorry.

“Home insurance is designed to support you when the unexpected happens,” says Sharon, “but it’s not a substitute for regular upkeep. When you maintain your home well, you’re not just helping to protect your house, you’re helping your insurance work as it should. Things like clearing gutters, checking seals, and keeping your roof in good condition can make a real difference. They can help prevent avoidable damage and give insurers a clearer picture of your property’s condition, which can lead to smoother claims and more cover if ever needed.”

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