Bug Off: 7 Common Bugs Found in Homes and How to Keep Them Under Control
More than 10 percent of the population is afraid of pests, whether it’s spiders, mice, rats, or other unwanted critters. But insects are a fact of life.
They hide out in our homes, build nests in the basement, and live alongside us no matter how much we try to get rid of them.
Understanding the most common bugs found in homes can help make them less terrifying. Even better, it can help you keep infestations from happening in the first place.
Here are a few of the most common household insects and what you need to do to get rid of and prevent those unwanted infestations.
1. Fruit Flies
Fruit flies are one of the most annoying pests homeowners deal with. Their eggs hatch quickly, meaning your kitchen can go from clean to infested in as little as a day.
Most often, fruit flies take up residence around food prep areas, in sunny windows, and near trash cans. But what makes them such an issue is their ability to bring disease and increase food decay inside the house.
Luckily, they’re relatively easy to get rid of and prevent over time. Build a trap for existing fruit flies by filling a glass with warm water and a tablespoon each of apple cider vinegar and dish soap.
The vinegar lures them to the glass and the soap coats their wings so they can’t fly away.
Keep them from coming back by cleaning the kitchen thoroughly every day. Store fruits and vegetables in the refrigerator whenever possible and wipe down surfaces after cooking.
Ants are always on the hunt for food and water. And the best place to find a steady supply of both is at your house. They slip in through cracks and open doorways, scout the house out, and send for reinforcements back at the colony.
Getting rid of them takes a bit more effort than other pests. If you don’t have pets or children in the house, traditional pesticides are effective.
If you want a pesticide-free way to keep them at bay, sprinkle a few drops of peppermint oil on cotton balls and set them where you’ve seen ants entering the house. You can also use diatomaceous earth powder to create barriers around the kitchen. Both methods are safe for kids and pets.
Once you’ve got the current infestation under control, keep ants from coming back by cleaning your house thoroughly. Wipe down countertops, vacuum and mop floors, and take out smelly trash every few days.
3. Bed Bugs
Bed bugs are a major problem especially for residents in large cities or those that travel often. They’re small, brown, and often shiny in direct light. Most bed bugs hide along the seams of mattresses, in upholstered items, and in the joints of wooden furniture.
Most often, people discover the infestation after seeing bites on their legs, neck, or hands. Read more here to learn about the signs and symptoms to watch for.
Getting rid of them requires professional treatments from specialized pest control teams. You’ll also need to buy bed bug mattress covers to keep them from spreading throughout the house.
Avoiding bed bugs is relatively simple. Avoid buying used furniture and avoid setting your suitcase on the floor or bed when traveling. Once you’re home, unpack your luggage outside and wash your clothes in hot water.
Where there’s one roach, there are dozens of others hiding in your house. When left unchecked, roaches spread disease and startle nearly everyone who sees them.
Setting roach traps from your local hardware or grocery store is usually enough to control the problem. If the infestation is severe, consider hiring a professional pest control team to spray for them.
To keep roaches from coming back, keep your house clean and keep all food in sealed containers. Also, consider taking the trash out more often as it removes temptation and makes your home more inhospitable to roaches.
Mosquitos lead to uncomfortable and itchy bites, but they also spread illnesses like West Nile Virus and Zika. Getting rid of them is an ongoing battle, but it is possible.
Get rid of any standing water on your property. If you have a pool or pond, circulate the water with a pump. This keeps mosquitos from successfully laying eggs.
Use bug spray, and citronella candles or torches when spending time outside. You may also want to wear long sleeves and pants to cover up against their bites.
Spiders are a fact of life no matter where you live. They’re in every house, condo, RV, and dwelling across the globe.
Though they’re creepy, most spiders are harmless and help control the population of unwanted insects like flies, mosquitos, and even roaches. Keeping them around is in your best interest. But you can reduce the number you see in your house.
Start by giving your house a good deep cleaning. Get rid of clutter, dust behind knickknacks, and vacuum weekly.
Outside the house, start improving your landscaping. Keep plants pruned and trimmed away from the house to make it harder for spiders to slip inside.
If you’re worried about poisonous spiders, you can call a pest control team to inspect the property. But remember, getting rid of all spiders isn’t in your best interest.
Silverfish are among some of the most destructive common household bugs. They thrive in areas of high humidity and eat fabrics, upholstery, paper, cardboard, and food items without discrimination.
They’re easy to spot with their bright silver color and are even easier to prevent.
Keep your house clean. Get rid of piles of cardboard boxes and newspapers lying around. And make sure to keep food in sealed containers.
If you already have an infestation, tidy up your house and spread diatomaceous earth in areas with the highest silverfish populations. You can also use insecticide and traps to get rid of more stubborn pests.
Beat the Common Bugs Found in Homes
No matter what you do, these common bugs found in homes will always be an issue. But as long as you stay on top of your preventative measures, you’ll keep the worst infestations from happening in the first place.
Keeping a clean house is the best way to reduce your risk of an insect infestation. But finding the right place to call home can be a challenge.
Check out our current listings and let Sky Five Properties help you find the perfect house or condo to call your own.Read More
Small Space Design: Tips for Optimizing the Interior of Your Tiny Home
89% of tiny house owners have less credit debt than the average American.
While that isn’t the only perk of owning a tiny home, it’s one of the biggest.
If that’s enough to pique your interest in a small home, there are a few things you’ll want to consider before making the investment. Small space design is different from traditional interior design.
Here’s what you need to know about optimizing the interior of your tiny home.
Small Space Design Hinges on Visual Tricks
Interior designs for small spaces are all about playing visual tricks on your visitors (and even yourself).
To really optimize the space that you have, you’ll want to design in a way that doesn’t add clutter. Then, you’ll want to focus on incorporating trending colors and furniture that make the space feel larger.
Some of these small space interior design tips include:
- Adding floor-to-ceiling drapes to draw the eye towards natural light. This will also help make the ceilings look taller.
- Incorporate mirrors into the natural decor. Mirrors help reflect light and create an amplifying effect if they’re large enough.
- Choose paint colors that reflect light and make the room feel more inviting. Off-whites, light blues, and warm greens help with this.
Remodel Spaces to Fit Your Needs
If your tiny home is pre-built and you find that it doesn’t quite jive with your style, consider a remodel.
Remodeling the kitchen is one of the most efficient ways to optimize a small space. During this remodel, you can ensure you’re organizing appliances and islands in a way that makes the most sense for you.
Beyond the Horizon Construction Inc. recommends that during a remodel of this kind, it helps to splurge on countertops while mixing new and vintage items.
This will help increase the value of your tiny home while ensuring it feels luxurious, albeit small.
Get Creative with the Lighting
The lighting in a room changes the mood of the environment. It also changes the perceived size of the space.
If you can, you’ll want to allow natural light to enter as much as you can. Living in small spaces is going to feel a lot lighter in a physical sense if you have large windows to let light in and air out.
If you’re going to build your home yourself, this is important to consider in the design phase.
Small house design ideas that include backlit countertops and tall floor lamps help increase the space of a home’s interior as well.
Designing a House that Feels Like Home
Small space design is a great way to ensure your tiny house feels like home.
By incorporating design tips that include choosing the right paint, letting natural light into the space and getting creative with lighting, you’ll be able to amplify any small space.
This all will help it feel more spacious and comfortable.
If you’re still looking for the home of your dreams, browse our homes for sale or contact us to see what’s on the market.Read More
Moving out of Your Parents’ House: 10 Signs It’s Time to Move On
In every young adult’s life, there comes a time when they must leave the nest. We know free rent is tempting but having a social life (free from your parent’s watchful eye) is worth it–trust us.
Your parents are great, your meals and laundry are graciously take care of, and you’re living rent-free..so why leave? Oddly enough, you’re not the only person thinking this.
The percent of young adults living with their parents is the highest it’s been in 75 years. In 2016, a whopping 33% of 25-29 year-olds still lived with their parents.
Moving out of your parent’s house opens up an entirely new world for you that you can only experience for yourself.
So how do you know it’s time to move out? In this article, we’re covering 10 telltale signs you’ve got to go.
Start packing; we’re getting started!
10 Signs You Need to Start Moving out of Your Parent’s House
Of course, if you’re taking care of an elderly relative, or helping out around the house because your parent’s count, these signs don’t apply. Family first.
Thinking it’s time to move on but you’re a little nervous to make the move? Don’t worry, you don’t have to be alone. There are great options for house shares and roommate finders.
1. You’ve Still Got Posters of the Terminator in Your Bedroom
Or maybe it was the Spice Girls. Either way, you haven’t redecorated in decades. Getting your own space means you can style it however you want.
If your room is full of old knickknacks from your childhood and you’re still rocking the same flowered bedspread from Walmart circa 1998, it’s time to not only redecorate but pack up and leave.
2. You Have a Curfew
Your parents will always see you as their ‘little baby’, it’s common psychology. With that often comes curfews, questions, and a lack of privacy.
You growing up can be hard for them, especially if they still see you as the boy or girl who’s still living in their house and getting their laundry done.
Taking responsibility for yourself by paying your bills, folding your clothes, cooking and shopping for food, and moving out can change the way our parents see us.
3. Your Mom makes the Same 6 Dinners Every Week
You haven’t expanded your palate in a while. As good as mom’s meatloaf is, it’s time to explore different cuisines and stop depending on a home-cooked meal.
Hopefully, over the years, you’ve managed to get a few recipes under your belt. If not, ask your mom to help you cook a few staples before leaving the nest for good.
4. Your Parents Still Pay Your Bills
We know getting on a new phone plan can be expensive and difficult, but we hope you’re at least contributing to it, as well as groceries and living expenses, if not rent.
Dare we even ask who makes your doctor appointments?
Becoming an adult means taking on these responsibilities for yourself. That means doing your own laundry, cooking your own meals, and yes, doing your own laundry.
5. Your Friend’s and Younger Siblings Have Moved Out
We’re not saying “if your friend’s jumped off a bridge, would you?” but if all of your friends moved out of their parent’s place and so did your little brother….don’t you think you’re getting left behind?
Take a good look around at your social situation and consider if it’s time you should start living on your own.
6. You Have No Privacy
Does your mom constantly ask you where you’ve been, who you were with, or what time you’re coming home?
You may not pay rent in theory, but you sure pay it in eye rolls, heavy sighs, and the answering of a million and one questions.
The lack of privacy is a real threat to one’s social life when living with their parents.
You probably avoid taking significant others home, because, well…the first date is a little too early to be meeting the ‘rents’. You also don’t want to hear your parent’s asking “so hows that nice girl from last week? Have you seen her?” every time they meet a new ‘friend’.
7. Your the Butt of “Living at Home” Jokes
You’ve likely heard the saying “there’s a grain of truth in every joke”. If your family and friends are joking around about you still living at home, maybe it’s time to give it some thought.
Have your parents started dropping hints and clues about moving out? It’s likely they’re more ready than you are to hit the road. It’s worth having a serious conversation with your
If you’re pushing 30 or already have 30 candles on your birthday cake, it’s about time to move on.
8. You’ve Got Too Much (Outdated) Stuff
Over the years you’ve likely accumulated a lot of stuff. From soccer participating trophies to your high school cap and gown, you probably want to leave it all behind instead of cluttering your new space with it.
Here’s the thing: your parents won’t love that idea. Instead, rent a storage space and put all your memorabilia in one spot. Click here for more info on preparing yourself for the big move.
9. You’ve Got Conflicting Schedules
If you’re a night owl and your parents are early risers, this can cause a lot of friction in the house having to tiptoe around everyone’s schedule.
It’s also difficult to have a social life unless your parents are down for a house party every now and then.
10. You Have a Steady Job and Reliable Income
If you have a steady job with a reliable income this can only mean one thing: it’s time to move out.
You’ve got all the pieces of the puzzle figured out and you’re ready to live on your own. Now you just need to find somewhere to live…
Find the Perfect Place
Even before reading this, you probably knew you should start moving out of your parent’s house but now that you’re sure, it’s time to find the perfect place.
That’s where Sky Five Properties can help. If you’re ready to start looking in the Florida area, check out our condos today and give us a call.Read More
A 5-Point Checklist for Choosing Room Air Conditioners that Won’t Blow Your Budget
One of the great catch-22s of our warming planet is that as we get warmer, we’ll need more air conditioning, which can make the planet warmer. Thankfully, room air conditioners have gotten more energy efficient and the latest models can work wonders on a space with little effort.
Here are five things to look for when you’re shopping for a room air conditioner.
1. Don’t Skimp On Power
When you’re looking for an air conditioner to suit your needs, you need to start by thinking about power. When you’re thinking about power, you also need to think about the kind of space that you’re dealing with. There are few air conditioning units that could cool and entire home evenly, but the bigger your space is, the more kW you’ll need.
Air conditioner capacity is rated in BTUs with the power that they put out measured in kilowatts. When you’re looking for the right sized air conditioner, you need to know that size really matters. You can get an air conditioner that’s too big and costs too much to use or one that’s too small and won’t give you the power you need.
If your room is about 50-square feet, you can get a unit that’s around 2.5 kW. For a room that’s more like 100 square feet, you’ll have to double that size to 5kW or more. Rooms that are 200 square feet or more need to have units that start around 7kW to make any impact on temperature.
If you’re buying from an appliance store, ask staff what they recommend. You’ll also find that high-efficiency air conditioning units are far better suited to handle large spaces than ever before. Check out some window air conditioner reviews before you make any final decisions.
2. Consider the Types
There is more than just one type of air conditioner available. Window units and indoor units offer more flexibility than ever before.
Split system air conditioners are made up fo two different elements. There’s one that’s attached to your wall from the inside and another component that sits outside and throws heat out. These are your standard window air units that you’ll find in most homes.
Positioning the heat generating component away from any other hot appliance so that the cool air is distributed around the room. If the external part is put in the shade, you can avoid having it overheat. Keep it away from falling branches as well.
A reverse cycle split air conditioner is going to give you cool air in the summer and heat during the winter. You’ll need to have a duct system for most of these types of units. The ducts can be installed in your floor, on your walls, or in the ceiling.
Alternate types of systems include inverter systems that vary the temperature with constant flow and multi-split systems that connect multiple units together. Ultimately, you’ll want a system that’s easy to maintain and simple to install.
Portable air conditioners that roll along the floor and just require you to position a collapsible duct out the window are perfect for flexible needs.
3. Consider Extra Features
When you’re looking for an air conditioner that offers more than just a steady temperature, you’ll find lots of extra features loaded on them.
If you’ve installed your air conditioner high up and out of reach, you can get one with a remote control. This allows you to control the temperature of your space from far away.
Others come with timers so that the unit turns off at the same time each day to keep your energy bills low.
If you’re in an extra humid place some will also include a dehumidifier to keep your air drier all throughout the year. This is great on the top floor or especially warm spaces. If you get a reverse cycle air conditioner, you can get heat during the cold parts of the year sd cool things down during the warmer days.
You can even find units now that have mosquito traps to ensure that your space is not only free of uncomfortable heat and humidity. You can also keep pests out along with unwanted heat.
4. Cleaning and Maintenace Should Be Easy
When you’re investing in an air conditioner, it’s only going to give you life for as long as the components can last. Some air conditioners will last for a decade or more. Other larger units need regular seasonal maintenance to ensure that they can keep running.
When you fail to keep your air conditioning unit clean, you end up causing more than just a mess at the edges of your unit. You also end up with potential air quality and breathing problems. If your home is prone to mold and mildew, this could add to the number of issues you deal with when it comes to breathing.
If your air conditioner has an accessible filter, clean it out at least every month. You’ll get rid of those harsh airborne particles that could end up hurting your ability to breathe and end up making your system more efficient in the process. As you unclog your filters, you end up allowing air to flow in more smoothly.
Finally, Room Air Conditioners Need to Be Affordable
If you’re paying for room air conditioners that are overpriced or cost too much to maintain, then it’s probably not worth the cost. Air conditioners should be simple to install, easy to use, and shouldn’t require you to call up a maintenance person on a daily basis to stay comfortable.
If your AC breaks down, check out our guide to see if it’s covered by your insurance.Read More
Are Condo Hotels a Smart Investment?
Stunning architecture, world-class amenities, room service to your residence at anytime – these features of condo hotels are quite enticing and seductive aren’t they? Throw in consistent monthly cash flow while you are unable to use your unit, and this formula of home ownership sounds quite attractive.
Owning a piece of a world-class hotel brand is ultra-prestigous as well, isn’t it. Imagine declaring that you own at the Ritz-Carlton or Canyon Ranch. There is a reason for the term ‘brand equity’. When you buy into a luxury condo hotel brand, you immediately inherit all of the best that the brand has to offer…don’t you?
There is no doubt that hype and highly sophisticated marketing and pr machines are painting a very rosy picture of the lifestyle gained through condo hotels, but are they better deal than straight condo purchases? The good news of highly successful development launches are constantly seen via the media.
But on the flip side, there are also situations like Canyon Ranch Miami Beach (see more of the story here) where condo hotel owners have been kept in a merciless purgatory waiting to see if their beloved brand will fade away into a less prestigious hotel operator. Through this post, we’ll examine if condo hotels are a smart investment by looking at the pros and cons involved. We’ll also take a look at what is behind the latest NAME craze trend in luxury real estate.Read More
Salesperson of the Month: Can 3D Rendering Help You Make More Sales?
Throughout the U.S., different housing markets are getting increasingly competitive. If you work it real estate, is particularly important that you be on top of your game. If you want to wow your clients and make sales, you need to go the extra mile, especially when it comes to selling new properties.
High rises and luxury apartment buildings are cropping up in urban and suburban areas across the country. You could be tasked with trying to sell a pre-construction property that isn’t built yet. That’s where a 3D architectural rendering can give you the advantage you need.
What is 3D rendering? It’s a tool that can help you land sales – if you know how to use. Below, we’re taking the time to explain 3D rendering and how it can help you secure more sales. Read on to learn more, so you can start taking advantage of this important tool today.
1. Save Time and Money
Traditional real estate renderings can be time-consuming and expensive to produce because they have to be updated constantly. Each time the design of the building evolves, you have to go back to the drawing board and create a brand new rendering from scratch. That’s frustrating both for you and for the client, who has to wait to see the changes.
With a 3D architectural rendering, changes and additions can be made almost instantly. You don’t have to waste time producing sketches and models because everything already exists in the 3D real estate rendering software. You and your clients will be able to move through the process of finalizing the sale even faster.
2. Bring a Vision to Life
One of the best ways to make any kind of real estate sale is to show your clients how space fits their vision. Everything from the color to the design to the style of the paint matters.
There is no better way to visualize a space than by working with a company. For example, a company like GSW Animation, that specializes in 3D architectural rendering.
The 3D aspect of the rendering brings the entire space to life. Your client will be able to explore every nook and cranny with ease, and they’ll be able to picture themselves in the space better than they ever could with just a 2D sketch.
3. Stand Out from the Crowd
3D real estate rendering technology is here to stay, but not everyone has explored the benefits of it yet. The sooner you adopt 3D technology for your real estate renderings, the more competitive you’ll be. It will give you that edge that will help you stand out to clients and garner more business.
Want to Know More about 3D Rendering Technology?
When you’re working in real estate, you want to be able to convince your clients that the space you’re showing them is the only place they’ll be happy. You want to make them feel heard, and be able to easily incorporate their ideas into a design so that they know you’re listening.
All of that is possible with 3D rendering technology. The more comfortable you get with this important tool, the more successful you’ll be.
For more information on real estate properties, please browse the site.Read More
Moving to South Africa: 10 Tips to Help You Get Started
How often would you like to see wildlife up close? Want a change of view in your horizon? It may be time to migrate to South Africa.
Often, South Africa has the description of “a world in one country.” This is because the country houses many different terrains and unique flora and fauna.
Allow us to give you 10 tips about moving to South Africa.
1. Find a Community to Move Into
The first thing you need to do is to look for an abode. Do some research on areas with friendly communities. If you already know a place where you will move into, that’s great!
South Africans are very polite, friendly, and welcoming. Meet people and get to know them. The key here is respect and sociability.
When you are conducting a search for homes, go for areas in a reputable part of town. Avoid areas with high crime rates. Don’t worry too much since the majority of crimes happen in poorer areas in big cities.
Try to contact expats about places they would recommend. You can also ask local real estate agents. Having your own property is a good investment, most especially if you plan to move with your family.
2. Prepare All Needed Documentation
There was a time when you could up and leave and start a new life somewhere else. Now, it’s a different story. When you are looking to move into another country, you need to apply for and process many papers.
The most important documents for immigrants are:
- Residence visa
- Residence permit
- Work permit
- International driver’s license
- Customs forms
- Employment letter
Find the time to process all your documentation requirements. As a note, it’s wise to carry certified copies of your documents when you travel within South Africa.
3. Set Up a Local Bank Account
When you relocate to South Africa, you will need to set up a local bank account. Most services in South Africa use electronic funds transfer. These services include phone and electricity bills.
If you want to pay bills via internet banking, it’s also possible. The country’s currency is South African Rand. Be careful when you use foreign credit cards.
Using foreign credit cards have a huge risk of fraud, so get a local credit card. Moving out is expensive enough on its own. Save yourself a headache by taking precautionary and safety measures for your money.
As a note, the cost of living in South Africa is cheaper compared to western countries.
4. Learn the Language When Moving to South Africa
One of the most common languages spoken in South Africa is English. Still, the experience of moving to a new country isn’t complete without picking up a new language. It will allow you to integrate with the culture better and understand the people right away.
Even before moving to South Africa from the USA, start watching videos or listening to podcasts on language lessons. Watch South African movies with subtitles and try to imitate what you hear. You can take language lessons in the country, too.
Don’t worry if you take a while to pick up the language. The language-learning process takes longer for adults. If you immerse yourself in the culture, you may learn the dialect within a year or two.
5. Buy Adapter Plugs and Transformers
Buy adapter plugs for your appliances. This tip is more for migrants who plan to take their electronics with them to South Africa. Most appliances in South Africa use Euro plugs.
While South Africa uses 220V, the US uses 120V for appliances. You want one or two step-down transformers. This is to ensure your appliances get the right power and work well.
If you don’t want the extra weight of adapter plugs and transformers, you can buy them at places like Builder’s Warehouse instead. If you don’t plan to bring your appliances, you can also opt to buy them once you’ve moved in. The downside is that it’s not as cheap an option as buying adapter plugs.
One way to get around this problem is to sell your appliances before you leave the US. As you clean your home before the move, put aside the things you are willing to sell away. You can at least use the money to buy new appliances.
6. Get a Prepaid Phone
We recommend buying a cheap prepaid phone in South Africa. After you get your phone, get a long-term plan. This way you don’t have to jailbreak your phone so it works with the service providers in the country.
This will be useful after the first few weeks of your move. Local agents, contractors, or security may call you through your phone. Getting an internet connection may take a while so it’s best to buy a prepaid phone first.
7. Arrange Your Internet Connection
When you’re living in South Africa, you may want to get in touch with your friends or family back in the States. Get a stable and reliable internet connection so you could catch up with them. The key is to find an internet provider that offers uncapped internet connection.
Note that the connection can be slower and pricey. You could get a landline internet connection. ADSL, ISDN, and Diginet are what landline companies offer.
8. Find Out Where Expats Hang Out
If you want to know how to move to South Africa in the cheapest, easiest ways, talk to expats. They’re likely to share their experiences with you. What they have to say about the country may be worth listening to, as well.
As you travel around your area, look for places where expats hang out. These sites can also give you a slight sense of home whenever you’re feeling homesick. You can also learn a lot from tourists or expats who are not from the US.
9. Live Like the Locals
South African living is very different compared to the American lifestyle. Everything from your shampoo brand to your car will change once you’ve moved. And depending on where you are transferring, the climate could be extreme.
If you plan to do a lot of outdoor activities, it’s best to get a car made for the terrain. You want an all-wheel drive or a car that can go off-road. Pick a vehicle that you won’t mourn over for daily dust buildup or thorn bush scratches.
Observe the local culture and immerse yourself in it. Eat what the locals eat and do other activities. You can better appreciate the people when you put yourself in their shoes.
10. Prepare for Culture Shock
Unless you’ve tried living in South Africa for a month or more, it could take you a long time to adjust to your new environment. The culture shock could result in a life of fear or paranoia. Take your time to adjust and try to appreciate the country.
Keep in mind that South Africa is still a developing country. The World Bank foresees that South Africa will have a 1.3% economic growth in 2019. Even then, that doesn’t mean the South African lifestyle will change too much.
There are some customs in America that South Africans also do. Like in the US, tipping is a common practice. The typical tip is 10% – 15% of the bill.
Get Ready to Settle in South Africa
That’s our 10 tips for anybody who’s moving to South Africa.
We’ll give a couple more last tips. This goes without saying: be wary enough but not terrified. Practice common sense when you are traveling and avoid crime-ridden areas as much as possible.
Looking to move but don’t know what to do with your house? Check out our post giving tips to sell your house. Do it fast and without too much hassle with our guide.Read More
Is a Condo a Good Investment?
The great thing about making investments in real estate is that there are so many different options. But what is the right choice for you? Is buying a condo a good investment? It could be a great investment in certain circumstances, but not the best choice in others. There are pros and cons to any real estate purchase. Condo purchases are no different. Read on to learn more about condo investments and how to make the best decision for you.Read More
7 Tips for Reliable Renters Insurance Coverage
Even if you don’t own your home, it’s important to make sure your stuff is safe and protected from all kinds of serious disasters.
Whether you live in an apartment, townhome, or condo, renters insurance coverage is absolutely essential. Anything from a building fire to a break-in can cost you potentially thousands of lost dollars.
Just because your landlord owns the building you live in doesn’t mean your personal property is covered under their insurance. Read on to discover seven tips to help you find reliable coverage.
1. Find Out What’s Covered
Take a close look at potential policies and what they cover. Most renters insurance will cover the basics like your personal belongings, however, high-end jewelry or artwork may require you to pay extra on your premium.
In addition to the actual items that are covered, make sure the insurance will protect you in a variety of situations. For example, if your friend comes over and hurts themselves in your apartment, your policy might cover their medical expenses.
Another bonus to many renters insurance plans is that they’ll provide you with temporary housing in the event that your apartment gets damaged due to things like flooding or fire.
2. Determine How Much Renters Insurance Coverage You Need
Even if you don’t have an original Van Gogh painting hanging in your apartment, you still want to make sure your stuff is covered. Make a list of the things you own and write down the estimated cost to replace each one.
Add up your newly-created home inventory and this should give you a good idea of how much insurance coverage you should opt for. Many plans will allow you to combine your personal belongings with your spouse or roommates.
Talk to you an insurance agent who can walk you through the coverage limits, including liability.
3. A Floater Might Float Your Boat
If you happen to have some serious valuables in your apartment, you might need to add what’s called a floater. This addendum to your insurance policy is designed to cover high-end goods.
From your grandmother’s wedding ring to precious artwork or family heirlooms, anything of extra value will probably need additional coverage. This can also apply to items like collectibles, fur coats, and even musical instruments.
Remember that if your place catches on fire or you’re hit with a burglary, precious heirlooms and other items can never be replaced, but at least your insurance will be able to repay you for the estimated cost or value.
4. Shop Around
It probably goes without saying that you’ll need to do a little bit of rate comparison before making your decision. Most renters insurance charges a monthly premium, or you may opt to pay a years’ worth at once.
Check for new insurance companies that give you a low-cost option like lemonade renters insurance. They have a simple app, easy to understand coverage, and reasonable monthly rates.
Alternatively, if you already have car insurance, your company may be able to bundle the car and renters insurance together to give you a discounted rate. Do your homework and a little side-by-side comparison to ensure you’re getting the best coverage and the best rates possible.
5. Your Landlord Has Responsibilities, Too
While renters insurance covers your belongings, protects you from most forms of liability, and provides you with temporary housing, your landlord has their own insurance responsibility.
If the apartment building you live in catches fire, for example, their insurance will cover the structure itself. It should also cover major appliances, fixtures, and the basic pieces that make up an inhabitable apartment or condominium.
Keep in mind that if you need to move out for a while until your landlord can make the necessary repairs, you’ll need to file a claim so you will have a place to stay until you can return.
6. Natural Disasters May Not be Covered
Floods, hurricanes, and other natural disasters can happen almost anywhere and at any time. The majority of renters insurance policies do not cover lost or damaged belongings as a result of a natural disaster or things like termite damage.
A fire that starts in your building or your individual apartment or floods due to leaky plumbing are situations where your policy will cover everything. Check with your local insurance agency to find out if you can supplement your coverage to protect you in the event of a natural disaster.
If you live in a flood zone, it’s especially important to get supplemental flood coverage. The odds of losing your belongings in these areas is much higher than in places not considered to be a flood zone.
7. Read Everything Thoroughly
Take a very close look at your renter’s insurance policy and read it through line-by-line. If you find that you have questions, contact your agent who should be more than happy to clear things up.
It’s also a good idea to revisit your policy every year or two just to make sure your coverage limits are at a good level. As life goes on, we tend to accumulate more and more things, so your coverage limits might need to rise to accommodate your growing personal belongings.
As long as you do your homework and read through your policy carefully, you should have peace of mind while renting.
Once you’ve signed up for a renter’s insurance policy, you should be able to transfer the policy with you whenever you move with a simple address change request.
Choosing a Great Policy Is Simple
If you understand what you own and its value, finding excellent renters insurance coverage should be an easy process. Make sure you do your homework, shop around for rates, and find out exactly what will be covered.
You work hard for the things you own, so it’s important that you can replace them in the event of a fire, water damage, or a break-in. Talk to an insurance agent to make sure you get the coverage you will need.
For more information about home maintenance, property, or DIY home projects, be sure to check our blog.Read More
So You Want To Build It Yourself?
When it comes to finding your perfect ‘forever’ home, the search can seem never-ending. Yet, we all know that when you’re looking to buy a home, that you have to be patient. Because the kind of home you want may not be available right away. And it may take you months or even years of searching to find it. Or, sometimes, you may never be able to find it at all! And that possibility can be quite overwhelming to some – especially for those looking for something quite specific. This is often why some people decide that they want to build instead of buy. Yet, if you are going to build your own home, it’s essential for you to be able to ask yourself some key questions to see if you really are cut out for it.
What Will It Cost?
First of all, you’ll want to establish some kind of budget. Because the cost to build a home can vary. So you need to work out what you can afford or what you’ll willing to pay – and then research how much this is likely to cost you.
How Long Will It Take?
The second big question that you not only need to ask yourself, but also be aware of, is just how long it can take for you to build a property. And there will be two parts to this question. The first is that you need to know how long on average it takes to build a family home. And then, from there, you can estimate just how long your project might be. It is so important to do this so that you can manage your expectations.
Do You Have The Equipment?
Next up, you’re going to want to make sure that you have all of the equipment necessary. And, if you don’t, that you can get access to it. Depending on your circumstances, you may want to look for mini diggers for sale if this will save you time and money. If not, you may be okay with simply looking to hire the equipment you need or even people that will come and do some of the work for you.
Will You Get Help?
And so, as a step on from the previous point, you will also want to work out whether or not you are going to bring in some expert help. Because sometimes, it’s much better to hire expert tradesmen to help you than to try and do it yourself.
Can You Really Do This?
And Finally, it’s also incredibly important for you to be as realistic with yourself as possible. Do not just hope that can make this work or embark on it when you know that perhaps it really is a pipe dream! If you are going to commit to building a house yourself, it’s just so important that you have the time to do it, that you’re aware of the stress you may experience and any risks, and that you’re happy to go ahead. Because it’s a big task – but if you’re not afraid of the challenge, hop to it!Read More