Category Archives: Home and House

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 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.

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 investigating 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!

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.

Diagnose and Repair Water Heaters in Your Home

If you experience problems with a water heater, you know how difficult this is. There are many things that cause problems with water heaters, they are the water that is produced is too hot or too cold, the tank is leaking, the water is changing color, and there are some strange sounds from the heating machine. Don’t worry if they come to you because all those problems can be solved by the water heater repairman from maintenance services in dubai easily. There are many maintenance service companies that provide water heater repairmen, it is highly recommended to work with them if you are not willing to replace the water heater with a new one.

Before you hire the services of a water heater repairman, make sure you know the cause of the damage. Who knows, actually the damage is mild and can be repaired by yourself. Most water heater problems are easily diagnosed and can be overcome if you understand what is causing the problem and how your water tank operates. The most important thing to note is that if your water tank no longer produces hot water and you smell gas near the tank, this could have a gas leak. If you contact a maintenance service company like maintenance services in dubai they will send trained technicians to diagnose and correct the problem.

Cleanliness of the storage tank is also often a source of problems with the water heating system in your home. Water that enters the water heater tank must be clean and healthy, it means they do not cause odor and are not turbid. In addition, water must also be free from small particles such as: lime, rocks, and sand that can clog waterways so that it can damage the water heater device. To overcome this, a filter should be installed in the drain before entering the heating tank. This tool is useful for filtering out particles which can clog and damage waterways. This problem can usually be solved by the home owner, but it is recommended to find detailed instructions before proceeding.

It is advisable to check several water heating devices approximately every three months. Some devices need to be checked such as electricity, valves, and tank cleaning. Electric water heater tanks that use electricity are cleaned in a number of ways such as draining all water, cleaning the outer parts of the unit and the components inside so that they are free from mineral deposits. Remember, the checking and cleaning process is carried out by experienced technicians.

You can find experienced technicians to check and repair water heaters on the internet. They can certainly help you diagnose and fix many of the most common problems that may be encountered on water heaters.