As a homeowner, you’ve got a lot to keep track of. It’s up to you to be sure your property is in tip-top shape through thick and thin. No matter how well you plan or how hard you try, there are still emergencies and surprises that may arise that you’ll need to be ready for with your budget.

Nobody likes dealing with unexpected costs. This can be especially stressful when you’re simultaneously trying to handle an emergency situation in your home. Whether you’re replacing a burst pipe, getting a new window, or fixing a broken appliance, these can be expensive endeavors. Especially if you’re already dealing with unsecured debt, the last thing you want is a crazy high monthly payment for an unexpected repair. Remember, there are plenty of different ways and opportunities for you to finance home repairs in a way that works for you. Here are a few suggestions that you can look into if you’re in need of some extra financial assistance.

Keep up with preventative home maintenance for your appliances.

First and foremost, there are ways to try to prevent emergency home maintenance needs in the first place. When you use preventative maintenance and work to keep all your appliances and systems in good shape, you’re setting yourself up for success with your home. Your HVAC unit is a big example of this. It will help you to be aware of different issues that may arise and the most common HVAC myths. Listen for strange noises, be aware of weird odors, and watch your energy bill and energy consumption during different seasons. The more you can keep your heater and air conditioner in good shape now, the less it will cost to fix in the future. With the help of useful tools and routine maintenance, you’ll be able to avoid serious issues with your HVAC.

Handle your existing debt.

It can be incredibly hard to get a loan or stressful to pay for emergencies when you still have a lot of outstanding debt. Explore options for a debt management plan so you can get rid of your total debt from any past credit card bills, medical bills, or trouble with your finances. Banks and lenders are only willing to give you so much money without proof that you can pay it back. Get involved with a debt relief company to improve your credit and get debt relief. Lift that cloud of debt off your shoulders so you can get assistance for the full amount that an emergency home repair may cost.

Talk to your homeowner’s insurance company.

Depending on your home repair needs, you may be able to submit a claim with your homeowner’s insurance to help cover your costs. If the issue was caused by a natural disaster or something that is covered in your policy, chances are you won’t have to pay for it completely out of pocket. You should get assistance after you pay the agreed deductible for the cost of the damage.

Look for loans you can take out.

If you’re looking at an expensive home repair, you may need to take out a loan to help cover the costs. There are a few different options for you here. You can look for specific home repair or home improvement loans. You also may be able to take out a home equity line of credit where you borrow from the amount of the home that you’ve already paid off. Or maybe you just want to explore options to take out a specific amount in a personal loan. With so many options that have reasonable fees, you should be able to find a way to get the funds you need for your home repair.