Opinions on which is the most expensive repair item in a home might vary from year to year, or even from one pro or contractor to another, but almost everyone — homeowners included — can agree that there are certain budget-busting items you want to do your best to avoid having to fix or replace. Beyond the cost factor, they also bring on headaches and inconvenience. The things that are the most expensive to repair or replace usually cause the most aggravation and inconvenience, too. Whether it’s the dust, dirt and number of days you’re dealing with contractors and repair men, or not being able to use the item (Do HVAC units only go out in the worst heat of the summer, or the bitterly cold days of winter?), it generally stinks. Here are some of the most common items that homeowners have to dig deep into their pockets for…

Break-the-bank repairs:

• Foundation
• Water and sewer lines
• Termite damage
• Roof

Big ticket replacements:

• Septic system
• HVAC
• Driveway
• Deck
• Siding
• Windows
• Hot water heaters

(Most of these can land on either or both the list of repairs or replacements.)

No matter which home system or structure, no matter which problem issue it is, the best way to extend the life of the item or to avoid a repair is to take good care of whatever it is. Your home’s health is just like your own health. It requires regular check-ups, preventative maintenance and some good old-fashioned TLC. Bringing an expert in for annual or seasonal inspections — HVAC system, sewer line, roof, termite inspections, etc. — is the best way to assure continued good health, or to identify a problem early on. The quicker you address the problem, the less costly it is to fix — think proactive, not reactive.

When it comes to TLC for your home, use good common sense. Things like clearing leaves as they pile up in your gutters, regular changing of furnace filters, sealing your driveway and deck, are all ways to show the home you love a little more love.

For more on expensive home repairs and how to avoid them, read up with The Simple Dollar, U.S. News Money and ConsumerReports.