Welcome home,Homeowner Name

Settle in + secure the basics

The first two weeks are about safety, account setup, and creating a reliable baseline. Complete the time-sensitive items first; the decorative projects can wait.

Start here: first 48 hours

• Confirm homeowners insurance is active and matches lender requirements.
• Transfer core services: electric, natural gas, water, sewer, and garbage.
• Change or re-key exterior locks; update garage, keypad, and smart-lock codes.
• Test smoke and carbon-monoxide alarms; replace batteries and note detector age.
• Locate and label the main water shutoff, gas shutoff, electrical panel, and fire extinguisher.
• Submit USPS forwarding and update your address with banks, insurance, employer, and DMV.

Protect the home

• Photograph every room, major appliance, model/serial number, and valuable item for insurance records.
• Replace the HVAC filter and write the replacement size on this guide: ____________
• Check under sinks, around toilets, and near the water heater for active or historic leaks.
• Run every faucet, disposal, fan, garage door, and exterior light to confirm normal operation.
• Review the inspection report and separate items into: urgent, preventive, and future upgrades.

Organize the moving pieces

This is the point where paperwork, routines, and small maintenance steps begin to create peace of mind.

Financial + administrative

• Confirm the first mortgage payment date, payment method, and loan-servicer contact information.
• If escrowed, verify the lender is collecting the correct property-tax and insurance amounts.
• Create a secure digital Home Binder for closing documents, inspection, warranties, receipts, and manuals.
• Watch for Sacramento County assessment and supplemental property-tax notices.
• County utilities generally follow the ownership record. If no first consolidated bill arrives within 8 weeks, call (916) 875-5555.

Maintenance baseline

• Schedule HVAC service if the inspection or service history suggests it is due.
• Test irrigation, identify broken emitters or overspray, and note the controller schedule.
• Clean dryer lint paths and arrange a vent cleaning if service history is unknown.
• Check exterior drainage, gutters, downspouts, fencing, gates, and visible roof edges.
• Create a starter repair reserve; even $25-$50 per week builds useful protection.

What JRZ will do

Home Binder folders: Closing & loan / Insurance / Inspection / Taxes / Utilities / Warranties / Repairs & upgrades.

Optimize + organize

Now that the urgent work is complete, focus on access control, efficiency, documentation, and smart improvements.

Protection review

• Re-check homeowners deductibles and coverage after moving in.
• Ask your insurance professional about water backup, extended replacement cost, and loss-of-use coverage.
• Consider earthquake coverage, a personal umbrella policy, and scheduled coverage for jewelry or collectibles.
• Confirm the insurer has accurate roof, square-footage, alarm, and occupancy information.

Systems + access

• Register home warranties and major appliances; save claim numbers and service instructions.
• Update Wi-Fi passwords, smart-home access, garage remotes, cameras, and shared digital permissions.
• Create a one-page inventory of appliance age, serial number, warranty end date, and maintenance schedule.
• Install leak sensors beneath sinks and near the water heater, dishwasher, and washing machine.

Comfort + efficiency

• Seal obvious weather gaps; replace inefficient bulbs with LEDs where practical.
• Review thermostat programming and SMUD rate-plan options before changing major habits.
• Prioritize low-cost value: fresh caulk, touch-up paint, clean filters, repaired screens, and working exterior lights.

Neighborhood + routine

• Download the SacGreenTeam app for collection schedules, reminders, and bulky-waste requests.
• Introduce yourselves to nearby neighbors and exchange an emergency contact if comfortable.
• Confirm the nearest urgent care, hospital, pharmacy, veterinarian, and evacuation route.

Protect long-term + build equity

By day 90, your home should have a simple maintenance rhythm, a repair reserve, and a clear improvement plan.

Long-term protection

• Confirm insurance, utilities, mortgage servicing, and tax notices are arriving correctly.
• Set a target emergency reserve for repairs and automate a weekly or monthly contribution.
• Keep copies of every repair invoice, permit, warranty, and before-and-after photo.

Equity strategy

• Rank projects by safety, prevention, function, and value before appearance.
• Start with high-return basics: curb appeal, lighting, paint, clean landscaping, and repaired irrigation.
• Get multiple written bids for larger projects and confirm licenses, insurance, scope, and payment schedule.
• Do not over-improve without comparing the project to nearby resale expectations.

Maintenance rhythm

• Set recurring reminders for HVAC filters, alarm testing, pest checks, gutters, and seasonal drainage.
• Create a monthly 30-minute exterior walk: roofline, siding, foundation, irrigation, trees, and gates.
• Perform an annual water-heater inspection and review earthquake strapping and shutoff access.

Taxes + records

• Keep closing documents and year-end mortgage statements for your tax professional.
• Track eligible improvement costs and ask your tax professional what records should be retained.
• Review the first annual property-tax bill and any supplemental bill promptly.

Financial + estate planning

• Review how the home is titled and whether a living trust or updated estate plan is appropriate with a qualified trust attorney.
• Schedule a 90-day financial-protection review to discuss household goals, emergency reserves, and appropriate insurance or planning considerations.

These contacts are provided as professional resources. Consult the appropriate licensed professional for advice specific to your legal, tax, insurance, and financial circumstances. JRZ will also complete a 90-day check-in and can provide an updated home-value snapshot when useful.

Home services at Street Address

The property is in the local area of unincorporated Sacramento County. Use the routine number for setup and billing; use the urgent number only for service emergencies.

Service	Provider	Setup / billing	Outage / urgent	What to know
Water	Sacramento Suburban Water District	916-972-7171	916-972-7171	Start/stop service, billing, leaks, or no-water reports. Verify address service before enrollment.
Electric	SMUD	1-888-742-7683	1-888-456-7683	Residential service; outage line is available 24/7.
Natural gas	PG&E	1-877-660-6789	911, then 1-800-743-5000	Leave immediately if you smell gas; call from a safe location.
Sewer	Sacramento Area Sewer District	916-875-5555	916-875-6730	County billing; sewer emergency response is available 24/7.
Garbage / recycling / organics	Sacramento County Waste Management & Recycling	916-875-5555	311 or 916-875-4311	Cart service, billing, bulky pickup, and missed-collection help.
Storm drainage	Sacramento County Water Resources	311 or 916-875-4311	311 or 916-875-4311	Report street flooding, blocked drainage, or water-related problems.

Internet + mail

HOA: No homeowners association is shown in the current property listing. Confirm this against final title and closing disclosures. Internet availability and speeds must be verified by each provider at the service address.

Emergency + homeowner reference

Local + county contacts

Contact	Phone	Use for
Sacramento County 311	311 / 916-875-4311	County services, illegal dumping, drainage, missed collection, neighborhood issues.
Sacramento County Sheriff	916-874-5115	Non-emergency law-enforcement reports in unincorporated Sacramento County.
Sacramento Metropolitan Fire District	916-859-4300	General information and non-emergency administrative questions; call 911 for emergencies.
Sacramento County Assessor	916-875-0700	Assessment, ownership, parcel, and property-record questions.
Sacramento County Tax Collector	916-874-6622	Secured property-tax bill and payment questions.
Poison Control	1-800-222-1222	24/7 poison advice; call 911 for severe symptoms or immediate danger.

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The JRZ Realty Group promise

You are not just a transaction. If questions come up about repairs, upgrades, refinancing timing, property value, taxes, or a future move, reach out. We want to remain a trusted resource for your family.

Your monthly 30-minute home reset

Notes + first projects

Contact verification: Provider and agency phone numbers were checked against official sources in July 2026. Primary sources include the providers listed in this guide, smud.org, pge.com, sacsewer.com, saccounty.gov, cityofsacramento.gov, att.com, xfinity.com, and usps.com. Provider boundaries and availability can change; confirm service at the address before enrollment.

Homeowner guide acknowledgment

This signature page confirms receipt of the personalized JRZ Realty Group 30-60-90 Day Homeowner Guide. It is an organizational resource and does not replace legal, tax, insurance, zoning, permitting, or financial advice.

Acknowledgment

• I received the JRZ Realty Group 30-60-90 Day Homeowner Guide for the property listed above.
• I understand that utility providers, service boundaries, regulations, permit requirements, and contact information can change and should be independently confirmed.

Signatures