Archive | Homeowners Insurance

Factors Affecting Home Insurance Rates

When buying your homeowner’s insurance (which, if you are a homeowner you should obtain immediately), there are many different factors at play in the rate your insurance agent will produce for your home. Knowing these factors as you go into the process of buying insurance, can help you reduce your initial rate and keep it low over time. Continue Reading →

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Smoke Alarms: Are They Necessary?

The short answer is YES. Smoke alarms are one of the first items to check for when moving into a new place. Smoke alarms are required in every home, at every level and in every sleeping room. Three of every five home fire deaths resulted from fires in homes with no smoke alarms (38%) or no working smoke alarms (21%).

If you don’t have smoke alarms, start with the type of alarm: ionized or photoelectric. The difference? An ionized smoke detector use “ions”, or electrically charged particles to detect smoke in the air. Ionized detectors are more responsive to flaming fire. A photoelectric detector, using a light beam to detect the presence of smoke, will be more likely to catch a smouldering fire (such as a lit cigarette that has fallen on a couch cushion). Smouldering fires are dangerous in that they can fill a house with dangerous gases before they even reach a full flame fire. Continue Reading →

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Tips for Moving With Pets

The bags are packed, the truck is loaded, the keys are turned in: you’re ready to move into your new dream home. The dog in the back of the car, however, is not so thrilled. His or her life has been upended into a whirl of noise, strangers– moving is not a concept pets understand. While you look forward to the new place, the pup is removed from all they know, and for all they know, are heading toward a great punishment where they have no food or toys. There are plenty of ways for pet-owners to ease the process of moving for their pets– leaving them with a not too traumatizing experience. Continue Reading →

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Why Should I Install A Carbon Monoxide Detector?

Carbon monoxide (CO) is a threat to any home that burns gas, natural oil, kerosene, charcoal, or wood. This so-called “silent killer” (as an odorless, tasteless and invisible toxin) poisons 400 Americans a year, and sends 20,000 to the emergency room. But even more lives are saved every year, by the CO alarms installed in homes and cars. One of your top priorities when moving into a home should be to check for a CO alarm, and to install one if necessary. Continue Reading →

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7 Things to Consider Before Building a Backyard Fire Pit

In California, we have such great weather year-round that means our outdoor space becomes a place to entertain and relax. Residents are not just content with a wood deck and a barbecue, there are so many options for outdoor living spaces — outdoor kitchens, koi ponds, vegetable gardens, swimming pools, movie theater — but increasingly they are looking for a fire pit.

Maybe that’s because it can be a fairly affordable addition to an outdoor space. And that’s true; it doesn’t have to be an expensive project. But there are a few things to consider (not least of all local ordinances that may prohibit open flames), and therefore we’ve put together a list for you. Continue Reading →

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How To Host the Best Fourth of July Barbecue

Summer is finally here, and so is that wonderful, patriotic holiday that we all love to celebrate. Yes, get out the red, white, and blue bunting, raise the stars and stripes, and clean the barbecue. That’s right–it’s the Fourth of July, and we’re getting ready to ‘cue.

Nervous about hosting an Independence Day feast for friends? Don’t worry. We’ve got you covered with six tips that will ensure you have a party free from failure and full of fun. Continue Reading →

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What is “Acts of God” Insurance?

These trees are not your friends…if they fall and cause damage.

For this post, we’ll start with a trivia question:

Which of these circumstances would be covered by insurance as an “act of God”? (Read to the end to find your answer!)

  1. Lighting striking and burning down multiple houses
  2. Fire set by an arsonist

Sometimes as much as you can try to prepare for the unpreparable, natural disasters– so-called “acts of God”– strike us unawares and unprepared. Fire, lightning, floods, and earthquakes– all might strike at a moments notice, and leave us with a crushed roof or burned down home. A Louisiana court (a state faced with its fair share of natural disasters) gave this definition of an act of God: Continue Reading →

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What To Do in a Power Outage

light-bulbs-1125016_1280Electricity runs a higher percentage of our lives than we can possibly imagine– everything from digital devices to garage doors. We can never be too prepared for a power outage. Here’s the rundown, what to do before, during, and after a power outage: Continue Reading →

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Give Yourself the Gift of Renovation

paint roller on wall

Sometimes it seems like we don’t even notice the years passing, as the kids are suddenly graduating, or you’ve somehow already reached your 25th wedding anniversary. Your home travels with you through millions of milestones, and quite often has already been through a lifetime of milestones with somebody else. If you feel like you’ve suddenly realized your home is not quite the young thing it used to be, but don’t have the funds or the desire to do a full-blown renovation, we have some renovation ideas for you that are bound to make your home feel fresh and young again, without draining your bank account. Continue Reading →

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