Category Archives: Yard & Outdoors

How To Get Affordable Homeowner’s Insurance In Alabama

How To Get Affordable Homeowner’s Insurance In Alabama

If you have a mortgage on your home it will come as no surprise to you that your lender requires you to purchase homeowner’s insurance. But did you know that almost 90% of Alabama homeowner’s who own their homes free and clear still choose to purchase homeowner’s insurance?

The reason isn’t difficult to figure out. For most people their home is their biggest and most prized asset and they simply want to do whatever they can to protect that asset. And well they should.

On the other hand there’s no benefit to paying any more for homeowner’s insurance than necessary and so many people are looking for ways to get affordable homeowner’s insurance here in Alabama.

Remember, too, that while your lender has every right to insist that you purchase homeowner’s insurance, your mortgage company cannot legally force you to buy insurance from any particular company. And that is your key to finding affordable homeowner’s insurance.

There are several things you can do that will drive down the cost of your insurance each month.

For example, did you know that if you have a retired person living in your home that you may be entitled to a break on your insurance?

Did you know that your credit score affects how much you pay each month for your insurance? It does. So keep your credit good and your credit score high, because the better your credit score the less you pay for your insurance each month.

Did you know that the biggest reason for a homeowner’s insurance claim is not fire, but water damage? The biggest culprit is either a broken water pipe or a broken appliance connection that floods the house at night or when the home is empty during the day.

Ask your agent how much you could save if you made the one-time investment to upgrade your home’s plumbing and wiring. If the numbers make sense, then go ahead.

Install outdoor floodlights that are motion-controlled and also trim back all bushes away from windows to discourage burglars. Install deadbolt locks on all exterior doors and make certain that every single window has a working lock.

A 24/7 home security system that’s monitored off-site not only helps to protect you from both fire as well as burglary, it can also save you 20% or sometimes more on your homeowner’s insurance – but talk to your agent before installing a system as not all systems merit the full discount on your monthly premium.

Purchasing a kitchen-rated fire extinguisher for your kitchen and installing a full compliment of fire and smoke detectors will also help keep your monthly premium cost down.

Now, taking what you have learned in this article go to 3 different websites that allow you to compare the prices of homeowner’s insurance policies from different insurance companies. Input the same information onto 3 of these websites and then find the company that has the lowest price and which you feel confident will be around for at least another 30 years.

And you’re done. You have now gotten affordable homeowner’s insurance here in Alabama and you can feel confident that you will be saving money month after month and year after year.

Easy Tips From One Handyman To Another

Easy Tips From One Handyman To Another

Home improvement can be great for the do-it-yourself homeowner, or the homeowner who likes to hire a professional to take on the project. Either way, you can’t go wrong with making repairs and doing some upgrading as long as you follow these tips and advice on how to avoid pitfalls and make the best decisions possible.

When selecting home renovations, consider the savings you will see in the future. For example, a new fridge may save you significantly on electricity bills, and new insulation in the attic could help reduce heating and cooling costs. While these renovations may seem expensive, future savings should always be considered during the planning stage of a home renovation.

Brighten up your kitchen or bathroom with a mosaic backsplash. Backsplashes serve two purposes: they are both utilitarian and a style element. Most people use regular square tile clay for their backsplash, but a mosaic design creates interest and allows you to express your personality. Fortunately, you can buy mosaic tiles on a mesh sheet, saving the time that it would take to lay each tile individually. This provides you with an intricate pattern without having to cut any tile, which can be tricky.

Open up the curtains and blinds during a showing to allow natural light into the home. If the outdoor scenery is not desirable, consider keeping the blinds somewhat closed to draw less attention to it. Turn on all of the lights in the home so the home looks bright and cheery instead of dark and dreary.

If you are the proud owner of an asphalt driveway you need to keep on the lookout for cracks and repair them as soon as possible to keep your driveway in good shape. Keeping your driveway clean and free of debris is the first step in good driveway maintenance.

Check your pipes and plumbing regularly. Clogs in sinks, tubs, and toilets can lead to water back-ups. Flooding from back-ups can create an awful mess and cause massive amounts of expensive damage. Slow moving drains can cause rings of dirt to appear in your tubs and sinks, creating a embarrassing issue. It is best to keep on top of and remove clogs regularly.

If you are looking to improve your house with new appliances, think of how much you are willing to spend as well as the length of time before you will have to replace them. Refrigerators last up to 20 years, microwaves up to 10 years, stoves up to 15 years and washers/dryers last about 13 years.

Don’t throw out your small baby food jars; instead use them to organize your workspace. Superglue or screw the lids of the jars to the underside of a wall shelf. Insert small items into the jars, such as: beads, jewelry parts, screws or nails. Then twist the jars back into place under the shelf. This helps take full advantage of a wall shelf and small jars you didn’t think you would ever need.

Whether you are improving your own personal residence or an investment property that you will use for resale or renting, the tips we have discussed in this article will set you well on your way to higher property values as well as hassle free and financially responsible remodeling projects.

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