Category Archives: Yard & Outdoors

How To Get The Best Rates On Homeowner’s Insurance In Florida

June 26, 2024   Matt

How To Get The Best Rates On Homeowner’s Insurance In Florida

For most homeowners in Florida their home represents their biggest investment and their most valuable and prized asset. Therefore it’s only natural that they would want to do everything possible to protect their investment. One way to protect your home and its contents is to purchase homeowner’s insurance.

Even though everyone wants to protect their home in case of a disaster, everyone still wants to get the best rates on homeowner’s insurance in Florida that they possibly can.

The good news is there are several simple steps you can take that can help to reduce the cost of your homeowner’s policy.

Let start by reviewing how much insurance you need. You need enough insurance to rebuild your home from the foundation up and to replace the contents of your home. In other words, after a disaster you need enough money to put things back the way they were.

The one thing you do not want to pay for is homeowner’s insurance on the value of the land underneath your home. Your land doesn’t need to be insured.

Keep in mind that here in Florida most homeowner’s policies have a wind exclusion and no standard homeowner’s policy covers your home in case of flooding. You need to speak with your agent about ways to get insurance for wind and flood.

If your home is more than 10 years old ask your agent how much of a savings you would realize each month if you upgraded the plumbing and the electrical systems. Often the savings can really add up over the course of a year.

Make sure all brush and weeds are cleared at least ten feet away from any structure on your property. This reduces the risk of fire and could result in a monthly savings.

Make certain that every exterior door has a working deadbolt and that every window, regardless of what floor it is on, has a working lock. Let your agent know about any upgrades or improvements that you make to your home or your property. Even new landscaping, fixing cracked or broken walkways or replacing loose floorboards or hand railings on porches or decks can reduce your monthly homeowner’s insurance premium.

Adding motion-sensitive outdoor floodlighting can also reduce your monthly premium as can trimming back bushes away from windows (making it more difficult for burglars to ply their trade).

Inside your home make certain that you have installed the proper number of smoke and fire detectors for the size and layout of your home and make sure they all have fresh batteries at least twice each year. Many people make a habit of replacing the batteries in their smoke and fire detectors every time they switch their clocks forward or backward an hour.

Buy a kitchen-rated fire extinguisher for your kitchen and mount it in a convenient place.

Keep your credit rating clean. Believe it or not, your credit rating affects how much you pay for your homeowner’s insurance. The higher your credit score the lower your monthly homeowner’s insurance premium.

If you have multiple insurance policies, such as auto and health with the same insurance company you should qualify for a special Multi-Policy Discount.

If you’ve been with the same insurance company for at least 5 years talk to your agent about a Long-Term Policy Discount on your Homeowner’s insurance.

If you can afford to install a home security system that monitors your home 24/7 for fire and burglary you could save a considerable amount on your insurance premium each month, but be sure to consult your agent before purchasing any such system as some systems qualify for a much larger discount than other systems.

If anyone in your household is 55 or older and retired you could be due another discount on your premium.

How long has it been since you reviewed your deductible? If you can afford to increase your deductible then you can save a good deal each year on your premium payments.

O.K., that should be enough for you to put together a homeowner’s policy that saves you money month after month, year after year. All that’s left now is to get online and find at least 3 different websites that allow you to compare the cost of your super-policy between different insurance companies and you’ll be all set.

Take the extra time to make your comparisons on at least 3 different websites so you can be certain that you are seeing the prices of all the different insurance companies here in Florida. Once you’ve done that then you can rest easy at night in the knowledge that you have gotten the very best rates on homeowner’s insurance here in Florida.

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How To Get Cheap Homeowner’s Insurance Online In Iowa

June 21, 2024   Matt

How To Get Cheap Homeowner’s Insurance Online In Iowa

It would be easy to tell you to just jump online, find one of the many sites that allow you to make comparisons of the prices of homeowner’s insurance policies from a variety of different insurance companies and be done with it.

Unfortunately doing that will not necessarily get you the cheapest homeowner’s insurance that you can find online in Iowa.

The good news is, the steps you need to take before getting online to look for your cheap homeowner’s policy are all relatively easy to take.

Let’s start with smoking. If you smoke you are going to pay more for your homeowner’s insurance. It’s that simple. You need to stop smoking if you want to get the best possible rates. If you already have a homeowner’s insurance policy and you were a smoker at the time you took out the policy but you have since quit, you need to let your agent know as you will be in line for a rather nice reduction in your monthly premiums.

Do you have other insurance policies – auto insurance or health insurance for instance – with the same insurance company? If so you should be getting a multi-policy discount.

Similarly, if you have had your policy with the same company for 5 or 6 years you need to ask your agent if you qualify for a Long-Term Discount.

Keep your credit rating good. Many people are not aware that the monthly premium you pay for your homeowner’s insurance is based, in part, on your credit score. The better your credit score the less you will pay each month for your homeowner’s insurance.

If your home is more than 10 years old talk to your agent about the savings you could receive if you were to up-grade the plumbing or the electrical system.

Fire danger is a big part of the monthly premium you pay for your policy, so clearing all brush and weeds ten feet away from all structures on your property can often lower your premium.

If you can afford to install a sprinkler system or a monitored home protection system that reports fire and burglaries to the authorities 24/7 you could be entitled to as much as a 30% reduction in your monthly homeowner’s premium, but talk to your agent before installing such a system as not all systems receive the same discount.

Install motion-sensitive outdoor floodlights to discourage burglars, and trim bushes away from all windows to further discourage home break-ins.

Install deadbolt locks on all exterior doors and make certain that all windows, even those on upper stories, have a working lock.

Install the proper number of fire and smoke detectors for the size and layout of your home and make certain that all of them are in working order. Change batteries twice yearly at the same time that clocks are set forward or backward an hour.

Buy a fire extinguisher that is specially designed for kitchen fires and keep it handy in your kitchen.

When setting the value of your policy make certain that it is enough to rebuild your home from the foundation up and that it is sufficient to replace all of your belongings – but don’t make the mistake of insuring the land under your home.

Can you afford a bigger deductible on your policy? Consider this question carefully as you will be asked to come up with the cash to cover your deductible if you ever have a claim. Doubling your deductible from 0 to ,000 can greatly reduce your monthly premium payment.

O.K., now that you know what you are looking for in a policy – how you can structure a policy to save you the most money each month – it’s time for you to get online and start making comparisons on at least 3 of the websites that allow you to compare homeowner’s insurance policies and prices here in Iowa.

Be sure to take the extra time to make your comparisons on multiple sites (at least 3 different websites) if you really and truly want to get cheap homeowner’s insurance online here in Iowa, since no one website compares all of the different insurance companies operating in the state.

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Energy Efficiency in Your Backyard

June 16, 2024   Matt

Energy Efficiency in Your Backyard

A pretty backyard can only go so far. Many experts have proven that efficient landscaping that takes into consideration energy needs, may well save a family more then 30% of their usual heat or cooling costs – either in the winter or summer. These savings could tangibly translate to almost 0 worth of savings in a year.

So how does one make an energy efficient yard? There are various things that can be considered in both existing and soon-to-be-developed landscapes.

Keep the Sun Out

One of the key considerations in landscaping includes the various weather conditions that prevail in the area. This means taking into consideration where the sun shines and what path the sunlight takes. A house’s walls and foundations, when hit directly by the sun, will absorb almost 90% of the sun’s heat, thereby increasing the burden on the air-conditioning or cooling system to keep the house cool.

Usually, the best way to keep the sun out is to plant deciduous, dense, and broad trees to the south or west of the house, where their foliage can provide shade against the rays of the hot summer sun. Keeping the sun out can reduce temperatures to up to 10 degrees Fahrenheit.

These deciduous trees lose their foliage over the winter and will give you access more of the sun’s heat in the winter when your home’s walls and foundations need the heat.

Break the Wind

One of the primary contributors to lowering home temperatures is the wind that blows through the house. Especially in the winter, this wind is particularly sinister as the wind chill is much colder than the normal atmospheric temperature in the area.

Plants that serve as effective windbreaks include evergreens or trees in general. In fact, even fences placed in strategic locations can serve as windbreaks.

Keep the Heat or Cool In

One of the primary culprits in the wasting of energy is the heat or cool that escapes through the home’s roof, windows and doors. It is imperative to find a way to keep heat or cool air inside the home.

The best way to achieve this is by planting shrubbery around the home’s foundations. This creates a dead air barrier, keeping the heat and cool inside the home where it matters. Experts have suggested widening the distance between the shrubbery and the house’s walls in order to increase this area for dead air.

In landscaping your yard or garden, it is important to maximize the benefits by using an aesthetically pleasing landscape. After all, energy efficiency in the area will effectively save energy and money in the long run.

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10 Surefire Ways to Avoid Common DIY Home Improvement Mistakes

June 11, 2024   Matt

10 Surefire Ways to Avoid Common DIY Home Improvement Mistakes

Ask people who have completed do-it-yourself projects and they’ll tell you that the projects took at least twice and much time and three times the money they thought they would. The basic reason is that DIYers usually make a lot of mistakes that end up making home improvement projects more expensive and time-consuming.

Here are 10 surefire ways to avoid the top DIY home improvement mistakes in the future and ensure success.

1. Take out the required permits — it’s amazing how many DIYers skip this step. Sure, it takes time, and it means you have to deal with the government, but it’s actually in your best interest to make sure get the required home improvement permits. The folks in the permitting office will make sure the project is done correctly and that you stay safe in the process. Also, for some projects, you’ll need proof that you have a permit or your insurance company won’t cover the improvement. You’ll probably need a permit for any project larger than wallpapering and painting. If you’re unsure, call your local building department and ask.

2. Have all the tools and materials you need available before you start your project — starting a job without the necessary tools and supplies will slow down the job and delay your progress. And make sure you buy quality tools. They’re a wise investment.

3. Prepare the job site for material deliveries — when your suppliers deliver materials, you’ll want to make sure the job site is ready to accept them. You don’t want your materials exposed to the weather while you are working and you want to have a storage area to prevent theft.

4. Don’t skimp on materials — for example, don’t use 1/4-inch drywall for building walls. Use at at least 5/8-inch; and 3/4-inch works well for a good sound barrier. Use 3/4-inch plywood for sub-floors. It creates a much stronger floor.

5. Prepare the walls for painting — clean the walls, sand them and patch any holes before you paint. Use a coat of primer or stain blocker if you’re trying to cover over oil-based paint, stains or peeling paint, or if you’re painting a lighter color over a darker color.

6. Use the correct paint — use flat paint ceilings. Interior paints should have at least an eggshell or satin finish so you can scrub it. For outdoor decks, use a linseed-oil-based stain to drive the pigment into the wood and preserve it.

7. Keep safe while working — you don’t want to end up in the emergency room. Wear safety goggles when using power tools or working with drywall or wood. Wear a hard hat when you’re working under other people on scaffolding, and open some windows when you’re painting or staining, or stripping old finishes off of floors or walls. Don’t wear loose, hanging clothing, especially when using power tools. Wear gloves when carrying wood, metal and rock, or when hammering, and wear a nail or tool pouch to prevent damage to your floors, feet, and pets.

8. Measure twice and cut once — probably the most important rule of any project. If you’re going to make a mistake, make it too long. You can always make something shorter. You can’t make it longer.

9. Know the limits of your abilities — you’re not going to be good at everything. If you don’t have a lot of experience at plumbing or electrical work, for instance, don’t attempt those projects.

10. Don’t start to learn how to do a project on your own house — If you want to learn how to do a project, offer your assistance to a friend who is an experienced DIYer or a contractor. And if you have any question about what you’re doing, make sure you stop and ask.

You probably won’t eliminate all of your DIY home improvement mistakes, but you can surely reduce them with these 10 tips.

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How To Get Affordable Homeowner’s Insurance In Iowa

June 06, 2024   Matt

How To Get Affordable Homeowner’s Insurance In Iowa

Your home is probably your largest investment and your most priceless asset and because it is you probably have homeowner’s insurance to protect your pride and joy.

But whether you have homeowner’s insurance because you want to protect your home and its contents or whether it’s because your lender insists that you purchase insurance, the simple fact remains that you still want to get affordable homeowner’s insurance here in Iowa.

The good news is, you can – and the steps you need to take to lower your monthly payments are within reach of almost any homeowner.

Start with your credit score. If you want the best rates possible on your homeowner’s insurance you can start by keeping your credit in excellent shape. Surprisingly the size of your monthly premium payment is based in part on your credit score – the better your credit score the lower your homeowner’s insurance payment.

Don’t smoke. Smoker’s pay more for homeowner’s insurance than non-smokers. If you smoked when you first took out your homeowner’s policy but you have since quit, then you need to talk with your agent and see about getting your premium reduced.

A large part of your homeowner’s insurance premium is based upon the level of fire danger to your house. Cut weeds and brush back at least ten feet from any structure on your property to reduce the fire risk – and to reduce your monthly insurance premium.

Motion sensitive outdoor floodlights are a great way to make you home less appealing to burglars but more appealing to your homeowner’s insurance company. Along the same lines you need to trim all bushes away from windows to further discourage burglars.

If you can afford a sprinkler system and/or a home security system that is monitored 24/7 for both fire as well as burglary you may be in line for a reduction in your homeowner’s insurance premiums of as much as 20% to sometimes 30% — but be sure to tell your insurance agent which system you’re planning to install before you sign any contracts.

All exterior doors need a working deadbolt lock and all windows, regardless of which floor they are on, need a working lock – and you need to get in the habit of locking your home securely even if you are only going out for a “minute.”

Upgrading the electrical and plumbing systems in a home more than 10 years old can result in a substantial savings each month on your insurance premium. Be certain to let your agent know any time you make a repair or upgrade to your home.

Make sure that you have installed the required number of smoke and fire detectors for your size home and make certain each one of them is working properly. Don’t forget to change the batteries in your detectors at least twice each year.

Finally, purchase a fire extinguisher specially designed for kitchen fires and mount it where it can be easily reached in case of a fire.

You’ve now done most everything you can to reduce the size of your monthly homeowner’s insurance bill. Now it’s time to go online and find at least 3 different websites that let you quickly and easily compare homeowner’s insurance policies and prices side-by-side.

Be sure to take the time to make your comparisons on at least 3 different websites; that way you can be certain that you are seeing price quotes from every insurance company writing homeowner’s policies in Iowa and you can rest easy knowing that you have gotten the most affordable homeowner’s insurance that you could possibly find.

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Your Home Is Your Sanctuary

June 01, 2024   Matt

Your Home Is Your Sanctuary

Home is sanctuary. It is a place that conjures the powerful feeling of belongingness where rest and renewal happens. Here we expect tranquility and peace. We expect protection from the outside world we participate in. Thus, we invest our life-savings, our talents, ourselves to make it as relaxing, soothing and calming as possible.

For others, home serves as a showcase of stature and success. It is where we entertain friends. It is an extension of one’s identity and an avenue to display one’s taste in design and art.

Whatever the motivation is in investing or choosing a home to live in, we must be ready to face details upon details of considerations before making decisions that would usually cost us an arm and a leg. A small detail left out could mean huge, hard-earned money easily out the window. Fulfilling though it may be to set up our own home, we need guidance and lots of advice in the one thousand and one aspects we have to look into.

The first consideration is, of course, actually getting a home. Shall you rent or buy? If you rent, what should you do first? How do you go about it? Who do you talk to? What do you talk about? What are the legalities?

If you buy, how do you get the best deal? What is it you should know? Is there a tried and proven method of going about buying a home? What are the recommendations in buying a home in the U.K., or overseas?

The next consideration is the aesthetics that make the home pleasant to be in. What kind of furniture would suit your lifestyle? What are the choices? What are the pros and cons? What is the in thing, the trends? What could make your home attractive? There are a lot of choices from gardens to awnings, to setting up water features like a small, attractive fountain or waterfall or even just an indoor or outdoor pond for that relaxing Zen effect.

Undeniably, in the 21st century, another consideration is the advent of the internet and the personal computer (PC) as a permanent fixture in almost every home. The cocooning trend of working at home makes the choice of computer furnishings and lay-out a major factor. What are the choices and how do you go about it? Here, the issues are no longer limited to just the aesthetic. More important to consider are the issues on health and ergonomics.

Of course, who would not agree that the use of space is another primary consideration? A special portion is devoted on possible uses of the loft to increase precious space in this shrinking world. Presented is a treasure of creative ideas considering both functionality and aesthetics.

Equally important are the unseen aspects of home that if left unattended can cause much discomfort and a big hole in the pocket. These are the hidden details of plumbing, the sewage system as well as the new trend of underfloor heating. Moreover, the kitchen and bathroom considerations can very well determine not only one’s functionality but also your home’s resale value.

We understand that setting up a home can be a daunting task. We have organized these details in a simple fashion so that they are less intimidating and somehow more manageable. We present to you tried and proven techniques as well as steps that are easy to follow.

We acknowledge that the decisions you make in setting up your home are very crucial. They impact on costs, time, effort and quality of life. Your home could either be a great investment or a heavy burden. The information we offer could spell the big difference.

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