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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.

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Types of Fences for Front Yards

We are going through a huge boom of home improvements at the moment and everyone seems to be getting in on the act of improving their house or garden. Why not? We have spent enough time in them over the last year or so. The first impression people tend to get from your house is the fence for your front yard. All of your home and garden improvements can have a cherry on top by purchasing a practical and new looking fence. Below I have included different types of fences that will help you make your decision.

Timber Fences

If you are interested in purchasing a new fence, the first thing you will need to think about is what materials you would like for the fence itself. The most popular options tend to be timber fences and the type of timber is something you need to consider based upon your budget, how long you ideally want your fence to last and how big you want your fence to be.

A timber fence is most people’s go to, it provides the privacy and restriction needed whilst looking the part. It is a lot easier to customise compared to other materials also, in terms of timber fences Australia really likes to get creative. White or brown? Not necessarily, give your fence a snazzy look by painting it whatever colour you like. Wooden fences do tend to take longer to fit but worth it in the long run as it holds a long sturdy life expectancy.

PVC Fencing

PVC Fencing is an option if your budget is forcing you out of other materials. Granted it isn’t the sturdiest of options for fence material but it does the job that it’s supposed to. The cost is reduced as there is less timber being used on the fence. The PVC sleeves are attached on top of wooden posts and still come in a variety of colours and sizes. Definitely an option for you if price comes into play.

Wrought Iron Fencing

On the other scale of fencing, a pricier option is wrought iron fencing. Coming in many alternative designs, iron fencing offers beautiful and extremely strong fences that will draw the envy of your neighbours. The image and strength also provides a high level of security to your home. The down side of iron fences compared to say timber fences is that they have a fairly high level of maintenance to keep its aesthetically pleasing image.

Chain Link Fencing

This may not be the most aesthetically pleasing fence but a chain link fence can be extremely practical depending on your home or business. The privacy and security they provide is pretty much nonexistent, however they are very low cost, durable and are very low maintenance. It really does depend on what is needed and what you prefer for your home.

And Finally…Get Quotes

If you are still unsure about what type of fence to get, speak to professionals and get a quotation. They will ask you questions about the purpose of the fence and will be able to help point you in the right direction. Typically when it comes to timber fences Australia has various options on what works best for you. Most importantly you will be able to get that all important price.

Why You Need a Carport

Carports are a very popular option for car storage and today we are going to take a look into exactly why this is a construction which you should consider. 

The term carport originally was used to refer to a passageway through which cars would travel through upon entering a building. Genius architect Frank Lloyd-Wright saw something else in this external construction however and since his own interpretation, the carport has grown in popularity and evolved in its design. When it comes to carports Melbourne is full of them, because residents here understand the range of benefits which can be found after building one. 

These lean-to or independently built structures outside the home provide the perfect place to leave your vehicles, and here are just some of the benefits of building one. 

Protection From The Elements 

The key benefit of a carport is to protect your vehicles from the elements. In some cases this means not having to scrape frost and ice off the car in the morning before work, in others it means protecting it from any damage which hail can cause. To most of us in Australia these conditions aren’t much to worry about, but searing heat and flying debris could be, both of which your car will be protected from with a carport. 

Security Increase

Many believe that the car is not any more secure in a carport, because unlike a garage there are no locks or doors. With this being said studies have shown that vehicles stored under a carport are significantly less likely to be stolen than those which are not. Additionally insurance companies may offer a discount if your car is being stored in this way. 

Adding Value 

Carports are considered an attractive feature amongst property buyers, and building one could in fact add some value to your home. Broadly speaking 30% of the spend which you make on the carport, can expect to come back to you when you eventually sell the property

Aesthetically Pleasing 

Thanks to the smart designs which we have, as well as the bespoke options which you have to choose from, a carport can really make your home look more attractive. This adds a simple structure to your property which will help to continue the theme of the home and make the entire place feel more homely and comfortable. 

Low Cost Garage Alternative 

Many would like to have a garage on their property but if there isn’t already one there, the construction of a garage can be expensive. Even if you opted for custom carports, you will find that the overall cost pales in comparison to building a garage on site. 

Planning Permission 

Many fail to realize that they would need planning permission for a garage, which may not always be easy to obtain. Because of the simplicity of the structure and the fact that utilities aren’t required however, the construction of a carport very rarely needs permission — as it is filed under the same category as an external shed. 

This is a low cost and low effort way to make sure that your vehicles are safe, and that you add some value and attraction to your property.