First-Time Homeowner Checklist

Overview

Start by learning the home’s basic systems, then build a simple maintenance and document routine.

Immediate actions

• Change or rekey exterior locks and update garage or gate codes.
• Locate water shutoff, gas shutoff, electrical panel, furnace, water heater, and cleanouts.
• Test smoke detectors, carbon monoxide detectors, and fire extinguishers.
• Start a home folder for closing documents, warranties, manuals, receipts, and contractor contacts.

First week

• Set up utilities, insurance, mortgage access, and property tax reminders.
• Replace HVAC filters and note filter sizes.
• Walk the property after rain if possible and look for drainage issues.
• Create a short list of urgent repairs and nonurgent improvements.

First month

• Schedule important maintenance for HVAC, chimney, gutters, trees, or pest prevention as needed.
• Build an emergency fund for repairs.
• Photograph rooms, systems, serial numbers, and major belongings for records.
• Meet neighbors or learn local trash, recycling, parking, and permit rules.

Common mistakes

• Starting cosmetic projects before addressing safety or water issues.
• Not knowing how to shut off water in an emergency.
• Skipping records for repairs, warranties, and maintenance dates.

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