Your home insurance provider is rarely going to adjust your rates based on the condition of your plumbing, wiring and gutters. This is the case because there's no reasonable way to track that sort of thing on the day-to-day.
Still, there are two insurance-related reasons to be concerned about this type of issue. First: Poor maintenance can be construed as neglect in some cases. Second: Your home may undergo an insurance inspection at some point, at which time these issues can come to light.
During a home inspection, the inspectors will often look at the following issues:
- Rain gutters
- Your HVAC unit and ducts
- Fire alarms and C02 detectors
- Chimney and fireplace
- Doors and windows
- Outlets and light switches
- Burglar alarms and other anti-theft devices, and most importantly...
- Your roof
Home insurance companies tend to keep the specifics of how they calculate risk to themselves. But obviously, the general condition of your home plays a big part. If they're going to be taking on a customer whose home is unlikely to survive a severe storm, the policy is going to reflect that. If they spot some leaky pipes and you do nothing to fix them, they might think twice when you file your claim for water damage.
Your home, like your car, needs to be kept in good shape. If you can get everything in perfect condition before an inspection, great. If not, your insurer will tip you off as to what needs to be taken care of.
Insurance companies get a bad reputation in some circles. But the fact is that they have your best interests at heart. Put simply: You don't want to have to file a claim, and they don't want you to have to file a claim. They're there as a just in case safety net should worse come to worst.
As such, insurers would much rather see you get loose wires patched up than have you file a claim when the wires start a small fire in the bathroom.