Tag Archives: Home

House Insurance Deals Tips: 5 Things to Do In Order to Find Good, Affordable Home Insurance

Are you looking for more affordable home insurance? It’s really not as difficult as you might think to get house insurance deals. There are many companies out there, and it’s all a matter of finding the one that offers the best solution to fit your personal needs. With a bit of planning and forethought, you should be able to find an affordable solution.

Here are a few tips to help you get started:

1. Review your current policy. Take the time to review it at least once a year. You never know what kinds of changes can take place over the course of several months. For instance, the value of the home might have changed, for the better or worse. You might have more valuable contents inside the home, or maybe your yard was torn up by extreme weather. It’s important to check and see if these changes affect your policy to the point where you might want to consider getting a new one.

2. If you think you need a new policy, then compare quotes from multiple companies. It’s essential to shop around for the best policy for your needs. Don’t necessarily go with the cheapest rate since it might have hidden fees, and you might end up having to pay more money in the long run.

More Tips for House Insurance Deals

3. Do research on each and every company that offers house insurance deals. Which ones have high ratings with the Better Business Bureau? If there are any complaints, have they been resolved? Longevity is also important. It’s a good idea to go with a home insurance company that has been in business for many years – the longer, the better.

4. What are others saying about a particular company’s claims processing? Are a lot of users listing “fast and easy claims processing” as a pro in their reviews? Are there different options available, such as filing a claim online or via app? How fast does the company process the claims? You’ll obviously want to avoid any organization

5. Try your best to maintain a good credit score. Your credit score is an important factor in determining what kind of quotes and rates you are going to get. It will be difficult to get house insurance deals if you have poor credit. If your score is low, do whatever necessary to make improvements.

Which home insurance company should you consider? One place to begin your search for house insurance deals is with Lemonade. Most Lemonade Insurance reviews are extremely positive, and the company has transparent policies and fast claims processing.

Use Green Cleaning Products And Clean Your Home With Help From Professional House Cleaners

Had a party or returned home after a great holiday? You are definitely not going to come to a fresh house. Dirt, dust, and grime will be strewn all around which will not be easy to clean. Better hire professional cleaners who will do the cleaning job for you at minimum rates. Get your floors, furniture, household articles and carpets immaculately spotless again, take help now.

The house cleaning services are extremely professional and they deal with everything systematically and in an organized manner. The dust that accumulates in the corners, on ceiling fans, blinds, window sills, inside attics, tiles, upholstery, sticks strong and is almost impossible to get rid of. You need to get rid of all this muck to have a spic and span house. Get grouting, vacuuming, steaming, cleaning, dusting, mopping, removal and application of wax and a lot more done by skilled courteous, fast and high-quality cleaning services, now!

From the arrival updates to the scheduled cleaning procedure, everything is carefully calibrated by the house cleaning services. You don’t have to get them in every week, you can ask for their services once a month, once in 6 months or at your own convenient time. The staff has nimble hands and deal with each delicate object very carefully, providing a thorough cleaning at a fair price.

Floor polishing of the living rooms, tile cleaning of the bathroom, dusting the home and spring cleaning the carpets, all are an easy task if done methodically by cleaning specialists. The proficient staffs are respectful and understanding and can plan a visit to your home according to your convenience. By paying an affordable amount of money you can get recommended and trained service professionals. These specialists leave the house spotlessly clean within no time.

To maintain clients, the cleaning services have to ascertain that they have a very good cleaning reputation and client base. Every facet of cleaning is an easy task with the professional techniques and equipment used skillfully by the cleaning staff. This may not be possible for us at home; we do not have the expertise, correct products or paraphernalia needed for the tasks. These professionals need to work up a name and you can give them that by advertising their excellent service and proficiency to others. Superior and effective quality service is what the cleaners promise us!

Find a reliable company with a name in the market because individual cleaners through newspaper or online advertisements may not be well trained and they may not have extensive experience in the cleaning field. You may just end up paying loads to the cleaner. Hire trustworthy cleaners and get discounted deals and standard pricing. Get a time-efficient cleaner who is bonded and insured, on a consistent basis so that you can keep your home sparkling spick-and-span all the time. Try to ask for green cleaning products for your home. While you are at it, do your bit for environmental protection as well!

House Beautiful Magazine for a Dazzling Home

Everyone wishes for a house that is uniquely beautiful. However, not everyone has the means or the desire to go hunting for an interior decoration expert and spend a hefty amount for home décor ideas. House-proud people like to do things themselves and hog the credit when it is done. People looking for unique and cost effective ideas for interior décor can subscribe to a home magazine for best decoration suggestions.

There are several House Beautiful Magazines available from various publishing houses. A House Beautiful subscription can help a homeowner lookup different new and unique decoration ideas for his/her home.

When you flip through the pages of a House Beautiful Magazine, you will come across countless tips and suggestions to transform your house into your dream home. Ideas stress on how to make your house look classy and unique with simple alterations that won’t cause a dent in your pocket.

The fundamentals of home décor begin with Color. The color of your walls gives your house its character. The color scheme of your rooms will determine your home décor: the upholstery, furniture, furniture arrangement, lighting, decorations, etc.

Colors can make your house look beautiful, but making the right choice is crucial. Choice of colors will depend on the size of your room: the height from ground to ceiling and breadth from wall to wall. Bright colors in a small room make it look smaller, while light colors gives the illusion of space.

Choosing the right furniture for your room and its arrangement can make your room look beautiful. Bulky furniture looks good in large rooms while petite furniture is suitable for small rooms leaving enough space for movement.

The type of furniture you will be using to decorate your room is also important. Wood furniture sets off an elegant, old-world look while sleek metal furniture reeks in modernism. Combining the two in the same room is disastrous. Also, the same type of furniture used throughout the house maintains uniformity in look.

Several of such useful tips on color scheme and furniture can be found in the House Beautiful Magazine.

The House Beautiful Magazine also offers ideas on what color fabrics to use with specific wall and furniture color. As a rule, dark looks good against light and vice versa. Arranging dark & light colors or vice versa alternately, beginning from the wall can give the desired look for your room.

Beauty is in clever contrast. Orange, Cream, Yellow and Green or Cream, Maroon, Dark Brown, or Golden, Dark Brown and Off-white are some of the most beautiful color schemes for your house. You can use color schemes to set up the look and feel of your room. The House Beautiful Magazines give you several tips and ideas on how to do so.

Millions of people worldwide subscribe to house magazines for new and cheap ideas for home décor. The reason why House Beautiful Magazines are popular is because they neither advertize nor stress on expensive makeovers for the home, instead show homeowners simple yet unique ways to make a beautiful house.

Home Staging Can Help You Sell Your House Quickly

Real estate prices have hit record levels in the United States during the last five years. In some parts of the country, prices have tripled. For those selling houses in the first half of the decade, business was very good, indeed. Rising interest rates and sticker shock have slowed the market down, however. In some parts of the country that used to be hot, sales have slowed to a crawl. In those markets, people who want to sell houses are now waiting months when homes used to sell in days or weeks. What can a homeowner who wishes to sell as quickly as possible do to accelerate the process?

A relatively new service called home staging may be the answer. Staging a home essentially means setting it up so that it makes its best possible presentation to the market. Professional home stagers will, for a fee, come to your house, examine your property, and make recommendations as to what you might do in order to make the house as sale-friendly as possible. In some cases, they will simply recommend a coat of paint, a bit of landscaping, or some new drapes. In other cases, more dramatic help may be needed.

It is often difficult to sell a home that has been vacant for a while. Buyers have a hard time imagining what their belongings might look like in an empty house. A good staging company will have in their inventory a selection of different types of furniture, lamps, decorative accessories and more so that a vacant home can look like a showcase. A fully and tastefully decorated home is much easier to sell than a vacant one.

The service isn’t necessarily inexpensive. Homeowners might expect to pay several hundred dollars for an initial consultation as well as a fee of several times that amount for the first month of a fully furnished, professionally decorated home. Rates for subsequent months tend to be lower than for the initial month, but many homes that have been professionally staged aren’t on the market much longer than a month. In fact, studies have shown that staged homes often sell in half of the time of other comparable properties.

Having your home professionally decorated in order to sell it isn’t something that everyone needs to do. But in markets with slowing real estate sales, staging a home may be the difference between selling the house this week and selling it three months from now. For many sellers, the investment is more than worthwhile.

What Is My House Worth? Tips to Appraise Your Own Home

Are you always thinking how much your house is now worth? Many instances, you’ve heard that appraising property values are best handled by professionals. Despite the strong urge to hire their services you have always reservations within that hiring them is pricy. If you’re caught with this dilemma, why not appraise your house yourself. Is this possible? Of course. By knowing several indicators, you can have a hint of how much your house is priced. Here are some tips.

Market Approach and Value Reconciliation

Do you know that the best indicators are available in the market? If there are several home sales happening in your neighborhood or even within your area, chances are you can have a huge hint on how much your house is worth. Find homes that are similar in area and place and you can already provide rough estimates. Reconcile this with the number of bathrooms, bedrooms and other features which are similar to the home that was sold. And you’re on the right track of determining its price.

Use of Online Home Appraisal Applications

Technology is fast-becoming relevant in many industries. Real estate is no different. There are numerous applications which are now used by the industry professionals to make their work easier. Some also offer the use of these applications for free in their official websites. Capitalizing on these facts, you can have readily made instruments to provide appraisal calculations based on information you will provide.

As the current homeowner, you should be in-the-know of the home’s square footage including gross area and floor area, number of bedrooms, bathrooms, car ports, and even accessibility to roads and important locations. With this bunch of information, the online applications and even those which you can download to your smartphones will prove to be beneficial.

It is in a few clicks that you will already know the current price of your house.

The estimates provided by the market indicators as well that those reflected by the applications always stay as estimates. They are not exact figures. If you really want to know exact appraisal values, it is always better to have professionals do the job for you.

If you are worried of the service charges, there is always the negotiation time to help you lower down the service rates. Remember that real estate professionals including property appraisers are always ready to be of service to those who need their expert services and expert advises.

House and Home Insurance: A Guide to Evaluating the Worth of Your Home and Belongings

You know that you have to get home insurance of some kind to protect your dwelling, but there are so many options that you might feel overwhelmed. It’s important to determine just how much insurance you’ll need to adequately protect your home, property, and contents. Don’t forget about the items inside your home, either. Some basic insurance policies only include coverage for the property itself. It’s ideal that you search for house and home insurance that covers everything, including walls, furniture, appliances, carpet, jewelry, electronics, and so forth.

At the minimum, make sure you get insurance that covers the property itself, contents, legal liability should anyone become injured on the property, and loss of use so that you’ll be able to pay for temporary housing while the house gets repaired. If you want money for the actual REPAIRS, you’ll need additional coverage such as flood, fire, windstorm, and so forth. Depending on where you live, flood and hurricane insurance might be required anyway.

Think about how much it will cost to rebuild the home, and how much money you’ll need to replace all of the belongings that you lost. House and home insurance is designed to help you plan for the absolute worst, whatever it may be. Don’t just simply consider the cost of rebuilding, there are going to be market fluctuations to consider as well. Plus, the value of many of your belongings is likely to go down over the years. If you’ve done any remodeling or added new features, that will affect the overall value of the home.

House and Home Insurance for Worst-Case Scenario

How much will it cost to rebuild and replace in a worst-case-scenario? This is something you might want to work with an agent with, as well as the contractors who helped with the renovation.

Is a broader policy right for you or do you want specific add-ons? Is there anything you want to exclude? If you live in an area that experiences freezing cold temperatures during winter months, you might want to consider a policy that includes protection against freezing pipes. If you live down in a valley and could potentially lose your home to mudslides, or have room damage from falling rocks, consider a policy that includes protection from falling objects.

As for the contents of the home itself, go around room to room taking inventory. In addition to approximating the costs of valuables such as jewelry and electronics, you should also remember to include furniture, goods, appliances, wall art, and so forth.

Start looking into plans offered by companies such as Lemonade. With its helpful tools such as an artificial intelligence bot, you can get an estimate for house and home insurance in just 90 seconds. Lemonade discounts are among the best in the industry, and the company is very transparent.

Operation Security: Safeguarding Your Home During An Open House

While an open house is a great way to actually meet the perfect buyer for your property, it is also a great opportunity for people with bad motives to do their rude moves. More than allowing your house to actually accommodate good buyers, you might also be accommodating bad people. So how are you are exactly going to do the open house while securing your home? Here are some tips.

Keep away important documents containing pertinent information such as Social Security numbers and bank accounts. These digits of numbers can actually be the key towards committing crimes using your identity.

Remove jewelries, antiques, and other items of high values. These are eye candies and can easily attract robbers and thieves. Electronic gadgets like tablets, laptops, and smartphones should also be secured. Your personal and some confidential information can be leaked once these gadgets are taken away from your possession.

Photos of family members are advised to be hidden. You don’t know how criminal minds think. Your family members, even with just their photos can be easy targets of crimes, especially children.

Never leave keys of your house, car, or rooms – even if they are just duplicates. These things are small and can be easily grabbed. When possessed by bad persons, these keys can be used to enter your property.

Never hide anything of value in your rooms and other likely places. Rooms within your house especially those that are locked up during the open house can imply that there are valuable things in there. Though they are locked up, it is still advised never to leave things of high value in those rooms. Some curious and naughty persons might be unnoticed sneaking in those rooms to peep on those things and plan something bad afterwards.

Have a logbook of guests joining the open house. This is a helpful record to see who came to visit the house. Make sure that the arrival and departure times are recorded too.

Take photos or videos of the rooms and other parts of the house before the open house in its staged state. After the open house, review the photos or videos to see if there are some alterations on how things are placed and ordered.

Remember that an open house should be an opportunity to meet buyers, or even meet new connections and friends. It should not be an opportunity or an invitation to persons with bad intentions. However, we won’t know bad people until they have done wrong. So better stay safe and secured than be sorry later on!

House Insurance Online Guide: 5 Mistakes You MUST Avoid When Buying Home Insurance

Home insurance is something that most people require. While it is very easy to search for house insurance online, it’s not as easy to actually select a policy. There are plenty of mistakes that people make when selecting coverage. Just one mistake can cost you dearly.

Since it’s probably one of – if not THE – most valuable asset you own, it’s essential that you buy the correct type of insurance for your house.

Here are some huge mistakes you’ll want to avoid when purchasing house insurance online:

Mistake #1: Underinsuring your home

Many people go with the lowest price thinking they will save money every month. They buy only enough insurance to cover the mortgage, or only insure the house for its real estate value, in the gamble that the house won’t burn to the ground or get flooded out.

But that shouldn’t be a gamble you take. What you should do is buy enough coverage so that you will easily be able to rebuild the home. Building a house usually costs more than what it is worth – especially considering the increase in construction prices.

Mistake #2: Not buying contents insurance

Don’t forget about the actual contents INSIDE the home when shopping around for house insurance. Make sure the policy includes your personal belongings. What are you going to do if your favorite, expensive piece of jewelry is stolen? Or all of the furniture, floors, and appliances on the first floor and basement are destroyed in a flood?

Mistake #3: Overestimating your amount of coverage

Don’t just assume that because the monthly payment is high that it covers everything. You must know all of the details of the policy. You could end up filing a claim for nothing. Before making any agreements with an insurance company, make sure you understand what is covered, what is not covered, when you will be allowed to make a claim, and for how much.

Mistake #4: Not setting your deductible correctly

Another common mistake many people make when buying house insurance online is setting their deductible either too low or too high. With too high of a deductible, you could end up with large premium payments. With it too low, you will wind up paying more out of the pocket when something goes wrong.

Mistake #5: Ignoring certain types of weather coverage

Whether you live at a high elevation and don’t think you’ll need flood coverage, or live outside of an area prone to earthquakes and don’t think you’ll need earthquake coverage, you are mistaken. Anything can cause a flood, including a plumbing disaster. Even if it’s not your entire property, you’ll still have some damages to worry about. As for an earthquake, there are states other than California, HI, and Alaska to worry about. There are Faults in other parts of North America as well.

Keep these factors in mind when searching for house insurance online. The best place to start is with Lemonade. It offers a variety of affordable policies for homeowners and renters, and even covers contents. If you’re lucky, you might even be able to find Lemoande sales and coupon offers.

Types of House Foundations for Home Construction

A slab foundation is simply a poured slab of concrete that a house is built upon. A Slab foundation usually sits upon a footing that has been been constructed below the frost line. The concrete slab is typically 4 to 8 inches in thickness with embedded steel rods known as "rebar" to prevent cracking and faulting. The house foundation is built directly on the soil with no basement or crawlspace. All water lines and waistlines are installed prior to the concrete being poured.

SLAB FOUNDATION ADVANTAGES

One of the main reasons slab foundations are popular is the cost factor. Slab foundations are the least expensive and the quickest to install. Slab foundations reduce the cost of the entire building simply because the houses built directly on the slab. That saves the cost of floor joists that would normally support the building. Slab foundation homes are easier to heat because there is no airspace under the house affecting the interior temperatures.

SLAB FOUNDATION DISADVANTAGES

Because there's no basement or crawlspace all ventilation duct-work must be channeled through the attic and through spaces in the walls. There is no additional space for utilities and no storage, the entire home is basically sitting on a large platform of solid concrete. Although slab foundations are the least expensive house foundations to construct, they're the most expensive to repair. All the plumbing for the home is basically under the concrete slab making it impossible to repair without tearing up concrete floor which is now part of the interior of your home. Leaks are difficult to detect because they're under the slab and in many cases go undetected for years. An unusually high water bill is the first indication that you may have an underground leak.

THE SECOND OF THE THREE TYPES OF HOUSE FOUNDATIONS-CRAWLSPACE

Crawlspace foundation consists of a perimeter concrete wall and concrete columns that will support the floor joists of your home. The distance between the soil and the first floor of your home is known as the crawlspace.this foundation is either built the ground level or over shallow excavation depth from 3 to 4 feet. The exterior foundation walls will support the building load and several concrete Piers will be constructed in the crawlspace for extra support. Crawlspace foundations in the past have been built using the original soil as the floor, and recent changes in building codes are now insisting on at least a two inch cement flooring to be used to help control any moisture problems.

CRAWLSPACE ADVANTAGES

A Crawlspace foundation raises the home 3 to 4 feet above the ground level. This has many advantages, all the plumbing and wiring and ventilation ducts can easily be maintained and serviced. In addition to providing access under the home crawlspaces allow airflow under the home. This will assist in cooling in the summer, crawlspaces are usually cool when properly ventilated.

Crawlspace House Foundations in Flood Areas

If you live in an area that is prone to flood, having a crawlspace foundation is a blessing. By installing flood vents into the foundation you can reduce the possibility of structural damage to your foundation. Flood vents when properly installed will allow the flow of water under the home which reduces the amount of pressure that a normal foundation would experience in a flood. Flood vents are designed to let the water flow in and let the water flow out without damaging the foundation. Flood vents are so important that the Federal Emergency Management Association (FEMA) has made the installation of flood vents mandatory type A flood areas.

CRAWLSPACE DISADVANTAGES

The cooling effect that the house experiences during summer can freeze the house in the winter. The floor joists in the crawlspace must be heavily insulated which will raise the cost of construction. Water can collect under your home and provide an ideal insect nesting area. The most concerning disadvantage occurs only if these foundations are not properly maintained or are built without proper ventilation. Fortunately flood and air vent technology has eliminated many of the dampness and mold concerns of the past.

THE THIRD TYPE OF HOUSE FOUNDATIONS- BASEMENT

The basement is a typical house foundation which includes an entire living space under the first floor of your home. Aside from providing additional living space the basement provides easy access to all the utilities of the home. The basement foundation begins with a footing below the frost line and then concrete walls are erected approximately 8 feet above the footing, a concrete slab is used for the basement flooring. Basement foundations have the advantage of providing excellent storage space, and clean dry space for all utilities. Many times full basements have been converted to apartments that can be rented and provide the homeowner with additional income. Whenever a basement is converted into an apartment at least one egress window must be provided.

Disadvantages of Basement House Foundations

The primary disadvantage of the basement is that because a good part of it is beneath ground level they are susceptible to leaking and mold formation. In areas with a high water table is sub pump may be installed to combat flooding. Basement house foundations are the most expensive to construct due to all the extra material needed and time to build it. However this additional expense during construction will make your home easier to maintain. A home with a full basement typically has a higher resale value than either of the previous types of house foundations mentioned.