No Picture
Bathroom Remodel

The Best Home Security Information You Will Read

Every homeowner should learn about sound home security measures. You need not read copious amounts of material, however! This article will alert you to the top things to keep in mind when it comes to home safety.

Use your dog as the protector of your spare key. In order to make this work, your dog either needs to stay outside or have access to a pet door. Store a spare key within your dogs collar so you always have access to your home.

Don’t allow a complete stranger to come in your home. Folks are always thinking up new schemes to get people to open the door so that they can commit their crimes. Make it mandatory that doors in your home are only opened for expected visitors.

Make sure that you have smoke alarms in every sector of your home to stay safe at all times. This is important as you will need some sort of notification when you are sleeping and unable to notice that a fire is occurring. If you have a one level house, one smoke alarm will suffice.

Get your garage clean. Homeowners often use their garage for storage, filling it so full that you can no longer fit a car in. Parking your car in the garage can foil potential thieves in several ways. First of all, they will not be able to break into your car. Additionally, when your car is hidden away in the garage, it is harder to track whether you are actually home or not.

It doesn’t matter how much money you spent, you should have an annual test. Have a worker from the security company take a look at it. Many factors cause issues with security systems like nature and wild animals. You might not even discover these problems if they aren’t easily sighted.

If you are moving into a new home, the first thing you should do to make your home more secure is to change the locks. You do not have to change the actual locks, a locksmith can re-key the locks to make them inaccessible with any of the previous keys.

Install outside lighting to deter intruders, especially if you live on a dark street or a rural area. To save electricity and enhance the surprise factor, install motion detecting light fixtures that only activate when there is activity. Mount these fixtures, using bright lights, at entrances and other potential points of unauthorized entry.

Purchase fire extinguishers for every room in your house in the event of an emergency. Also, make sure that you train everyone in the home on its usage, so that everyone in the family is capable. Putting out a fire as it is in its early stages can help save your home.

Do you have sliding patio door in your home? If you do, be sure that you have taken steps to make them more secure. One inexpensive way you can do this is to purchase a closet rod and cut it to fit tightly into the track behind the door which slides open and shut.

If you buy expensive electronics or appliances, throw the packages away the day that your trash pickup occurs. If you leave the boxes out all week, it lets people know what type of items you have in your home.

If you work from home or have your own business, do not put your address or phone number on your website. Disgruntled customers or thieves could come to your home and try to get inside. Instead, get a post office box and have customers or associates send you mail to this address.

Never reveal any personal information to someone who is at the door or calling your house that you do not know. Make sure that your children follow the same policy as well, as this can lead to the wrong people getting personal information. This will make it harder for someone to locate and rob your house.

It will be well worth your time to learn about ways to make your home safer. However, distinguishing useful information from that which is unhelpful can prove challenging. So, you will find it to be worth your while to keep looking back at these tips if that is what it takes to secure your home.…

No Picture
Home Maintenance

Money Saving Tactics That Will Cut Down Your Home Owner’s Insurance Costs

You compare prices on food or clothing, and insurance should be no different. Just looking at different companies side-by-side doesn’t always do the trick. You may need more advice to get the best policy. Here is some advice that can lead you to success.

If you are building an addition to your home or considering a major renovation, check what effect this will have on your homeowner’s insurance rates. Wood-framed structures are considered to be a fire risk, for example, and will raise your insurance rates. Using cement, steel, or other fireproof materials will mean your addition costs less to insure.

Homeowners insurance is a very big necessity in life. Keep in mind that some mortgage companies will not even make the loan unless a person can provide proof of coverage for fair or full value of the home. It can be very expensive so be sure to research the different companies and compare their policies so that you can find the best rate and coverage.

Before installing a pool or buying a trampoline, be sure to check with your insurance company to see what effect this will have on your premiums. Some companies will charge as much as 10% more to insure a house with a pool, trampoline or other potentially hazardous equipment on the property.

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.

Pay off your mortgage! While you are, of course, planning to do this anyway, the sooner you complete it the better. Insurance companies firmly believe that individuals who outright own their home are much more likely to take good care of it. Because of this, they will drop the rates for anyone who pays it off.

It is cheaper to get and keep homeowner’s insurance if you do not have injury prone devices. Insurance companies see pools, trampolines, and other similar objects to be a higher risk for injury and will therefore raise the amount of your premium. Although having a pool may be fun, removing it will save you money!

Purchase a burglar alarm with central monitoring to save money on your home owner’s insurance. Most insurance companies will discount your policy price by up to five percent if you can show proof of a centrally monitored alarm system. The price you pay for the insurance may very well be offset by the discount on your insurance premiums.

Making too many claims on your home owners policy can cause you to be ineligible for renewal. Chose the claims that you want to file carefully as it may cause you your policy if you file too many claims in a short period of time. If the cost of damages are close to the cost of your deductible, do not file the claim.

Find out what kind of home replacement coverage is offered on your home owners insurance policy. Some will guarantee replacement while others will limit the amount of money you will get if your home is destroyed. Some insurance companies have a cap on the payments to a percentage of the face value of your policy.

Stay vigilant over the cost of your home insurance premiums by doing an annual check of your policy statements, and seek quotes from other companies to ensure you are paying the lowest rates. Your insurance doesn’t always automatically reflect changes that can lower your rates, so you want to make sure any discounts for adding alarms, sprinkler systems or removing a swimming pool are applied. Staying vigilant is the best way to save money!

Install smoke detectors in your home. If you do not already have fire alarms, get one or several. Check to see how many fire alarms are recommended for a home of your size. It will lower your home owner’s insurance premium and help to keep you safe in the event of a fire.

It should now be obvious that you can do a lot to save some cash on home insurance, and even still get a quality policy. Never let your insurance coverage lapse. Be certain that you are always covered. Utilize this information and get the right policy for your needs.…