Helping You Define Your Lifestyle

Tips for Lowering the Cost of Homeowner’s Insurance

Following a few Tips for Lowering the Cost of Homeowner’s Insurance can save you a bundle of money

Owning real estate property is something nearly everyone aspires to. That being said, being swamped under with homeowner’s insurance is something everyone can do without. While you can always talk to your local insurance agent to see what can be done about lowering your rates, there’s even more you can do to save on your insurance while still enjoying quality coverage.

Take Steps to Protect Your Home

Anything you can do to protect your home from intruders, fire, earthquakes, water damage and the like is sure to help lower the cost of your insurance. This is because a well-reinforced home is less likely to suffer damage, which means you’re less likely to have to file a claim later on down the road. While you might balk at the initial investment of making such improvements, you’re sure to appreciate how much you save in your insurance costs over the years, and there’s also the fact you can rest easy knowing your home is well-protected.

Shop Around

While you might be happy with your current insurance provider, that doesn’t mean you can’t shop around. If it’s possible for you to get the same coverage with a lower price tag by switching providers, take the leap. You might hate to part with your current agent or company, but you also probably hate parting with your hard-earned cash when you don’t have to. Right? Before you change providers, see if your current home insurance company can do anything to lower the price of your premiums without compromising your coverage.

Raise Your Deductible

Increasing your deductible is another way to better save on the overall cost of your homeowner’s policy. Know that it’s possible to lower your premium cost by as much as 25 percent if you’re willing to raise your deductible to $1,000. No matter what your deductible might be, make sure you always have quick and easy access to that amount should you ever have to file a claim. Even better, put the money in an interest-bearing account so it works for you.

Ask About Discounts

Simply asking for a discount is another way to save money on coverage for your home. If you’ve been with your insurance company for a while, you might be eligible for savings. You might also be able to bundle policies if you also need auto insurance or the like. If you’ve never filed a claim, or if it’s been several years since you’ve filed a claim, you might qualify for a discount.

Review Your Policy

Have you had your homeowner’s policy for a while? If so, your coverage needs might have changed in recent years, which means you might not need the same type or policy or need to pay the same price for your premiums. Sit down with your agent to talk about your life and lifestyle. A single conversation can reveal you have coverage on your current policy you don’t need to pay for.

Think Before You Make a Claim

In the event you have to make a claim, think before you reach out to your agent. This is because making a claim can potentially drive up your premiums, and there’s also the fact your insurance company might view you as a policyholder who’s more trouble than you’re worth if you have a history of filing a claim for an issue you can easily take care of on your own. You might not like having to take care of the cost on your own, but it’s better than developing a bad reputation in the insurance world.

Paying home insurance is a necessity, but paying more than necessary for it most certainly isn’t. Let these tips guide you to getting the coverage you and your home deserve without an inflated price you don’t need.

Leave a Reply

Your email address will not be published. Required fields are marked *

The Basics of Wardrobe Design and Constructions

Wardrobes allow for custom design storage that makes organization easier around your home and particularly the bedrooms. It allows for multiple sections of drawers, doors, and shelves so that you can store items in a more functional and aesthetically pleasing manner. Without a good wardrobe design, the bedrooms in your house will often be cluttered with socks, ties, belts, shirts, and pants. Here is what you need to know about the basics of installing a wardrobe.

Size and Dimensions

The main difference between a closet and a wardrobe is that the former is built into the wall. Since wardrobes are external, they can be of whatever size that fits your needs. However, certain conventions still influence the dimensions of the wardrobe today.

  • Depth: The depth of the wardrobe can be just deep enough to allow for the hanging of clothes. However, the depth can vary from between 50 and 70 centimeters and 62 cm is the recommended depth.
  • Width: It needs to be wide enough to accommodate the swinging of doors and placement of items in the open spaces with minimal obstructions. The width can vary between 40- 300 cm.
  • Height: This will depend on the dimensions of the space you want to place the wardrobe. Usually, wardrobes are between 140cm to 250cm high.

Style

You need to consider the style of the wardrobe if you want to make it both functional and aesthetically pleasing. There are many styles of wardrobes today with designs to incorporate your storage needs. If it is for hanging clothes only, an open section will be enough for most of your needs. However, you may require more partitions if you find there is also a need to store other items such as shoes, belts, ties, cufflinks, etc.

The wardrobe often has one, two or three partitions. Two partitions can be one for storing clothes, and the other partition set aside for other items. You may opt for one with more partitions if you have a wider range of accessories and you need your space to be more functional. Instead of getting a new wardrobe, you can add shelves to any of these partitions. If you are sharing the wardrobe with a partner organizing your things becomes much easier when you have more sections and shelves.

Materials

Old wardrobes were ready made and were built with metal, usually iron. Many homeowners bought them because they had a safe inside. Nowadays, wardrobes are lightweight and made of more affordable materials. Most are made of wooden boards and plywood to divide partitions and sections. A cheaper alternative to plastics such as MDF and particle boards are becoming more popular than plywood which has limited applications due to relatively high costs. For aesthetics, materials such as colored glass and polyurethane are used to provide the extra gloss and a finish to enhance its appeal.

Construction

Doing your own construction will require that you acquire the skills to work with hardwood and plywood, amongst other materials used to make wardrobes. If you are not confident with your ability to handle the process use your local handyman services to reduce the risks and associated costs.

Remedial Massage Can Heal!

Medical science has proven the benefits of all legitimate massage styles. Massage therapy has built a reputation for helping you calm your nerves, release tension and help eliminate pain you have in your muscles, tendons, ligaments, common joints and bones.

There are many different types & styles of massage, each with a different focus, but generally speaking they all do what is mentioned above. However some massage styles are more rooted in traditional medicine. The claims of medical benefits from massage therapy has built over decades to the point where many traditional medical practitioners have utilized elements of massage and found them to be extremely helpful for patients.

At the top of the list of effective massage types, is remedial massage. This type of massage is practiced by the most well-trained massage therapists and is used in hospitals and medical clinics around the world. The reason it has become so popular is because of the specific benefits remedial massage offers. Here are a few of those wonderful benefits.

Understanding Remedial Massage

Remedial massage begins with a detailed and in-depth assessment of the patient and their body. There is a specific focus on the condition of the ligaments, connective tissues, tendons, joints and muscles so that the therapist can understand the type of therapy that needs to be implemented. This vital information dictates to the therapist the type of massage regimen to use. Each patient will have a different set of circumstances and require a different, specialised therapy.

Remedial massage therapists are trained in the movements and workings of the body including pathophysiology, physiology and anatomy as well as many different types of massage. This massage therapist will mix & match different massage techniques in order to create the most effective massage therapy.

Benefits of Remedial Massage

Remedial massage patients will often visit a remedial massage therapist on the advice of a medical physician if the patient has chronic, recurring or severe physical injuries that have a chance to be helped with massage therapy.

Remedial massage can benefit patients by:

  • The elimination of muscle tightness
  • Increased function in the Lymphatic System
  • Improved circulation
  • Better joint mobility and flexibility

Recovery from Soft Tissue Injuries

Remedial massage can also heal some soft tissue injuries. These can occur from many situations such as a trip or fall, car accident, playing sports or due to a degenerative disc or tissue condition. Remedial massage is able to aid with quicker and better healing of these injuries.

Remedial massage therapists are often thought of as the most skilled massage therapists because of their in-depth knowledge of the body and how to use massage to both relieve pain and heal. They take techniques from the best massage therapies and use them as needed on patients.