Month: August 2017

Ways You Can Cut Down The Costs Of Home Owner’s Insurance

A lot of states mandate that you must have some type of homeowners insurance. That leads some people to get a weak policy just to abide the law rather than getting a strong policy to protect their family and house. Don’t short-change yourself here; check out these tips on finding a great insurance policy.

If you need to file a claim with your homeowner’s insurance company, do so promptly. Quickly respond to any request for information as completely as you can. The more information the insurance company has, the faster they can process your claim. Also, much damage suffered by homes will only worsen with time, meaning that if you let it sit, the cost will be higher.

Be sure to review your policy yearly to check and see if there are any discounts available to you. This may result from additions such as a security alarm tied to a monitoring agency, a fire suppression system, and installation of additional fire alarms. There also may be items in your neighborhood that can effect it such as removal of trees or additional fire suppression outlets.

If you have expensive landscaping around your home, consider purchasing separate insurance for it. Most basic homeowners insurance policies will not cover damage from wind or other environmental factors to landscaping. This means that if your expensive imported trees come down in the wind, your homeowners insurance policy will generally not cover it.

Keeping the annual insurance premiums low is a concern for many homeowners. One way to accomplish this is by choosing a higher deductible for the policy. Your premiums will be smaller if your deductible is higher. Keep a slush fund so you can pay for small fixes.

Insuring a vacant house is very expensive, as a vacant property is a magnet for vandals. Vacant house insurance can cost more in a month than regular homeowners insurance costs for a year. If a family member can’t stay at the house, consider renting the property out, or exchange free rent for house sitting services to avoid having a property sit idle.

If you have high-value items, they may not be covered completely by typical homeowner’s insurance. For example, expensive jewelry may need to be appraised, and then the insurer will issue a rider to cover the item in case it’s stolen or damaged. Make sure to mention high-value items to your agent, to make the process of filing a claim easier, should you need to do so.

Insurance for your house is a must as long as you still owe a mortgage. This protects the bank on their investment. Once you own your home in full, you will still want your insurance in case of theft or other damage so that you are not left fully covering all the repairs and loss.

You need to make certain that your family and your home are covered, but you also need to ensure that the insurance policy you have isn’t just a bottom-of-the-barrel piece of paper that says you’re insured. You need an ironclad policy that will really pay off when you need it to. Follow the tips you just read here and make it happen.…

Eliminate Pests From Your Life With This Advice

Are pests slowly invading your living space? Are they making your house less enjoyable to be in? Thankfully, you can eliminate them once and for all. This article will give you some great advice to help you finally get rid of the pests in your home.

Do you have a problem with fruit flies? You can get rid of them with a little apple cider vinegar! Pour some vinegar into the bottom of a tall glass. Add a little bit of dish soap. The fruit flies will swim into the glass, but won’t be able to swim out, and will drown.

Make sure that you do not have any candy lying around the area of your home. Candy is made of sugar, which can attract a wide assortment of bugs. Therefore, the best thing that you can do is eat in the kitchen and make sure that candy does not get into other areas of the house.

Keep your home as clean as possible. Even though this will not keep pests away, you at least will not be giving them an incentive to stick around. Many pests can smell food from a good distance away. If you want to do whatever you can to reduce your pest problem you should be diligent in keeping your house tidy.

Take away any pet food in the overnight hours. You will also want to take away their water bowl. Bugs like to eat the food and then wash it down with the water bowl. If you are spraying for bugs with pesticide you want to take away the dog bowl before hand.

Make sure to take precaution with bedbugs when you are trying to eliminate them. Bedbugs can go upwards of a year without any food. Do everything you can to seal any holes in your home’s walls, ceilings and floors. Then they won’t have a hiding spot.

Make sure that when you install your windows, they come equipped with screens for protection. Screens can serve as a very strong line of defense for bugs, as most will not get into your home if you have a good screen up. This small investment can save a lot of trouble in the future.

If you are having a pest control problem, look to your cabinets in your home for where the bugs are coming from. Pests love these dark and damp areas. Clean all your cabinets thoroughly once a month. When you are spraying for bugs, make sure you hit these areas with a quality pesticide.

Check to see that all of your food is airtight and sealed efficiently. If food is not sealed properly, it will give off an odor, which will attract a wide range of insects. This could lead to an infestation, which can cost you a lot of time and money in the long run.

You can actually eliminate undesirable pests from your house permanently. You’re no longer stuck putting up with them. Reclaim your home using the advice above. Relax in your house once again!…