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House Insurance Cost: Summary of Home Insurance Policies, Coverage, Quotes, and Discounts



Homeowners insurance is a type of insurance policy that protects owners against damages and losses caused by perils such a burglary, fire, lawsuits from visitors getting injured, extreme weather, and so forth. Your entire life can change in a minute. What if your house suddenly burns down? Or a once-in-a-lifetime flood or tornado comes through to destroy it? You’ll be protected as long as you are smart with house insurance cost and the policy you choose.

If you already have homeowners insurance, it’s a good idea to review your policy each year with your financial advisor to make sure you still have sufficient coverage to meet your needs. You can always add on to your policy at any time to reflect the changes on your house and property, such as remodeling, renovation, landscape changes, and so forth.

As with any type of insurance, people take the time to shop around and get different quotes from various companies and compare what is included and the prices. When taking house insurance cost into consideration, think about the rebuilding price instead of the current home value. The materials and construction costs of having your house rebuilt will likely cost a lot more than what the current value of the home is.

Home Insurance Cost By Policy Type

Where should you start with the research? Just understand that there are a number of insurance policy types, ranging from an HO-1 to HO-8. Most single-family homeowners find HO-3 to be ideal, as it is fairly comprehensive and provides coverage of most of the “perils” they will face, such as theft, fire, and wind. However, flood and earthquake coverage typically isn’t included, so you might want to add those on if you think you will need them. Even a small creek can become a raging river overnight – don’t underestimate the destruction water is capable of.

Some banks will actually require you to get flood insurance if you live in the “flood zone” in order to qualify for a home loan.

How much DOES house insurance cost? It really depends on factors such as the home value, where you live, the crime rate, size of property, your own credit history, and so forth. People in riskier areas will obviously have to pay more. In broad terms, homeowners can expect to pay between $30 – $40 per month for every $100,000 of home value. There are discounts available for those who take extra precautions, such as getting fire alarms, sprinklers, security cameras, etc.

The best way to go about getting low house insurance cost and discounts is by visiting Lemonade Insurance, where policies start “at $25 a month”, and claims are paid out quickly.

Home Improvement

Kitchen Cabinets for the Discerning Homeowner




What is the first thing a visitor notices when they enter your kitchen? If you answered “the cabinets,” you’re correct. While the flooring material you use, the backsplash in place and the countertops in your kitchen are integral parts of your overall style, the most visible design element is your cabinets. Moreover, kitchen cabinets are not just about beauty – they’re about utility, storage and convenience. The right cabinet design and style can offer stunning beauty, as well as the best functionality.

Upgrading Today?

With the economic downturn still affecting the real estate market, more and more homeowners are choosing to remodel their existing homes than purchase a new one. In many instances, that means renovating the kitchen. After all, a new kitchen can breathe life into an entire home. In addition, a good kitchen remodel can also boost your home’s value and make it more appealing to potential buyers if and when you decide to put it on the market.

Of course, if you want the best usability and enjoyment of your kitchen, you’ll need to make sure that you include the right kitchen cabinets in your remodeling project. While refacing old cabinets is certainly an option for homeowners on a budget, there are better solutions out there.

RTA Cabinets Offer Beauty and Value

It’s no secret that new cabinets can be enormously expensive. In fact, aside from your appliances, the cabinets in your kitchen represent the single largest expense for remodeling the room. For those on limited budgets, this can put new kitchen cabinets purchased through a cabinet company out of reach. However, RTA options provide the means to save a considerable amount of money (between 30 – 60% depending on the supplier chosen), but also offer you the ability to achieve the look and feel that you want. There’s no reason to reface your old cabinets if they don’t actually meet your needs. Upgrading with an RTA system is simple and easy.

What Does RTA Mean?

If you’re new to the world of cabinetry, RTA might be a bit confusing. It’s really only an acronym for “ready to assemble.” RTA cabinets arrive ready to be put together, and include all the hardware that you’ll need to get the job done. All you need are the tools (usually little more than simple hand tools you already have on hand) and the time to install them.

With this type of kitchen cabinets, there is no need to measure, cut, stain, screw or nail the cabinet wood. It’s all done for you. All you have to do is follow the directions included and put your cabinets together and then install them on the wall.

Are They Right for You?

If you’re wondering whether these types of cabinets are right for your home, the answer is “yes.” You will find top quality kitchen cabinets available, in almost any style that you could possibly want. A quality supplier will offer solid wood faces, frames and siding, as well as quality plywood sides and drawer bodies. You don’t need to worry about inferior materials or a lack of durability with these options, and the finishes available ensure that you can match any aesthetic.

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Home Improvement

4 Reasons You Should Install Bedroom Chandeliers




Chandeliers have been commonly associated with big foyers, entrances, and dining rooms. Times have changed, and now you can find them in different rooms, including the kitchen, bathroom, and even walk-in closets.

Bedroom chandeliers are a big trend nowadays, but you might be asking yourself “Why would I want to put one in there”. Here are some good reasons to do that.

Make your Bedroom Feel like a Royal Suite

Historically, chandeliers could only be found in the houses of the rich. They were a symbol of wealth and helped make the room they were in look more glamorous and elegant. When it comes to the bedroom, they will add an extra level of elegance and sophistication, making the room feel more like a royal suite inside a castle than just another regular room.

Whether you go with one big fixture in the middle of the room, or several smaller ones, there is a certain type of glamour that shines through the room when you first enter it. A Central chandelier will often be the first thing noticed, making you look up in the room, followed by looking around, giving the impression of a grand room. On the other hand, well-placed smaller chandeliers will add to the décor and immediately provide you with an elegant feeling to the area they illuminate.

They are a Great Source of Lighting

The warm light of a chandelier can turn any boring bedroom into a dreamy and cozy refuge. For example, crystal chandeliers can reflect the light in beautiful ways, illuminating the room even further. In daylight, the sunlight rays hitting the crystals will reflect colored lights, giving the feeling of a rainbow within your room, providing a cozy and natural feeling.

In addition, they can be used for accent lighting purposes. You can draw attention to your bed with one hung above it, giving the room a romantic feeling centered on the bed. Perhaps you can hang a chandelier above a corner chair to make a cozy reading area.

Let’s not forget that you can also install a dimmer for your chandelier. This allows you to control the lighting to your liking in order to find the perfect level of brightness that suits you.

You can Easily Accessorize Them

Unlike many other décor pieces, chandeliers are easy to accessorize. This allows you to give new life to it at a whim, as well as allowing you to add a special personal touch to it. There are many choices for this, with lines of crystals or beads being the most popular. Imagine hanging some funky wooden beads to give the chandelier a bohemian look, or some glass colored beads to add some play on lighting. These are but a few examples. It’s all about your imagination and your tastes.

Bedroom Chandeliers are a Good Investment

When you think about it, chandeliers have been in use for centuries, and they have never gone out of style. We currently live in a world where style is constantly changing, yet you have this one décor item that has stood the test of time. They have been used as decorative pieces since the medieval times (albeit with simple designs). Starting in the 15th century and then the 18th century, they started taking more complicated, intricate, and beautiful designs.

Furthermore, with them traditionally being associated with the wealthy, they can easily add value to any room or house they are in.

These are some of the top reasons you should consider installing bedroom chandeliers. There is a huge amount of different designs with different colors that can fit any room.

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Home Improvement

Renovating Your Bedroom Lighting




For those hours you’re awake, well-positioned lighting is essential. A clever combination is a better way to go, because direct light in just one spot can be glaring and unpleasant. For example: ambient lighting, such as stylish pendant or ceiling lights, and task lighting such as a lamp or wall light. Here are some illumination tips for your bedroom.

• Pendant-A pendant light in the center of the room works as a strong centerpiece. It can add opulence to the room. An ornate chandelier gives a more traditional or country-style feel.

It’s important that a ceiling light isn’t too low above the bed. This needs to be considered if you have young children who might bounce on the bed. A shorter or close-to-ceiling fixture is a safer. Don’t install lights right over the pillows so you have to look up directly at the fixture.

Add a dimmer for easy light control, or opt for the soft illumination of table lamps if you enjoy watching TV in bed.

• Bedside lamps-A bedside lamp makes a style statement while providing light for reading. Matching lamps on both sides of the bed add balance for a master bedroom, but different lamps add interest for a modern twist.

Readers require a table lamp that has easy flexibility. A light that can be swiveled or has a moveable arm works well. Make sure it is well shielded so your sleeping partner isn’t disturbed.

• Wall lights-If you prefer an uncluttered look or if there’s not enough room for a bedside table, wall-mounted lights work for reading. If two overhead lights are angled directly at both partners, you need separate switches. Make sure it is easy to access when you’re in bed for turning off and on.

Lights used mainly for reading, need to be fully adjustable to direct light right where you need it.

• Children’s bedroom lighting-When designing a lighting plan for a children’s bedroom safety and sleep routines are key. Ceiling lights are a safer option, particularly for toddlers. Young children may also find want a night light.

For older children, decorative table lamps can brighten the room. They can encourage your youngster to read before bed. Their desk will require ample lighting. This can be an adjustable wall light or a stable desk light clamped to the top.

• Extra tips-In a bedroom, switches need to be considered. There’s nothing more frustrating than getting out of bed to turn off the light. Separate switches for reading lights are convenient and keep everyone happy.

Dimmers are a good idea in bedrooms, because no matter what the activity they allow you to select a level of comfort.

Work or social networking at night means task lighting. This can be a table lamp or wall light. They are essential when using laptops, mobile phones or a tablet.

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Home Improvement

7 Fat Burning Exercises You Can Do At Home For Weight Loss




With only seven exercises you can do a complete, at home, fat burning workout. And no, you don’t need a big, lunky piece of cardio equipment to do slow, boring aerobic training.

Many people don’t have time to consistently go to the gym and want to workout at home. But how many exercises can you do in your workouts at home with dumbbells? I have put together some training options you can do at home. The options include dumbbell workouts and exercises that need no external resistance. I have provided many options so that even a home workout can have variety.

In fact, this entire workout can be done with only your bodyweight, but for a more advanced challenge, you can use dumbells in certain exercises.

The workout doesn’t use any machines either, because this allows you to use more muscles per ecxercise when you do standing exercises or push-ups instead of the pec-dec at your local gym.

Here’s the workout.

1) bodyweight squat

2) pushup or kneeling pushup

Do exercises 1 and 2 back to back with no rest. Aim for 8-12 repetitions per set. If you are advanced, you can use dumbells for the squat and even harder pushup, such as decline pushups to increase the difficulty of the workout. For beginners, stick to bodyweight squats and kneeling pushups.

Do the squat and pushup back to back without rest, but rest 1 minute before repeating the exercises again. Then rest a minute, and repeat one more time. Then you will have done this superset (that’s what it is called when you do two exercises back to back) 3 times.

However, beginners should do all exercises in the entire workout only once. Only advanced fitness levels can use the 3 superset system.

3) split squat

4) mountain climber

A split squat is also called a stationary lunge. That requires you to split your feet apart by taking a step forward. Use the wall for balance if you are a beginner. If you are advanced, you can hold dumbells in your hands during the split squat. Do all repetitions for one side and then repeat for the other side. Drop your hips straight down and use your glutes and hamstrings and quadriceps to push your body back up. Do 8 repetitions per side.

For the mountain climber, get into a pushup position. Brace your abs as if someone was going to punch you in the stomach. Maintain that during the entire exercise. Lift one foot off the ground and bring that knee up to your chest. Touch the foot down. Slowly return to the start position. Alternate sides for 10 repetitions per side.

Do exercises 3 and 4 as another superset, and do it 3 times – the same way as above – only if you are advanced.

5) Reverse lunge

6) Close-grip pushup

A reverse lunge is a moving split squat. Stand with your feet together. Take a step back with one leg. Drop your hips down and bend both knees. Then squeeze your butt and thigh of the front leg (the leg that didn’t go anywhere) and pull yourself back up to the start position. Do 8 reps on one side and 8 on the other. Beginners use the wall for balance. Advanced can hold dumbells in hands.

The close grip pushup is the same as the normal pushup, except your hands are shoulder width apart, not wider. Keep your elbows tucked into your sides. This works your triceps (the back of your arms) more. Do 8-15 repetitions.

Advanced fitness levels can do 3 supersets. beginners just one set of each.

7) Jumping jacks

Finish the workout with the classic Jumping Jack exercise. beginners do 20 and then stretch. Advanced fitness levels can do 50 jumping jacks, take a 30 second break, and repeat up to 3 times. Then finish with stretching for your tight muscle groups.

This workout should take no more than 24 minutes, but it will boost your metabolism for 24 hours.

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Home Improvement

Why Choose Elica Extractor Fans?




Be prepared to feel excited and overwhelmed when choosing out of the various styles of Elica extractor fans that are available. Since all of their systems are pretty extraordinary in appearance, they will definitely compliment the interior of your home.

To ensure that the design you decide on provides you with optimum performance, it needs to be at least the same width as your stove. You will also need to decide if it will be ducted to the exterior of your home. If so, you have to make sure the ducting is also the correct size so it will extract every bit of steam, grease and odors that are floating in the air.

Types of Elica Fans

• Free-Standing – These are supplied with a charcoal filter and can be found in various widths at competitive prices. Free-standing systems come with either a single or a twin motor.

• Integrated – This cooker hood is only available in fitted kitchens as they are mounted between wall units and offer a front door that matches your other furniture. These are very popular and costly units.

• Canopy – This type of extractor fan is fitted into a metal or wood canopy. They are available in various widths and with one or two motors. Canopy hoods are generally thought of as a quite decorative piece.

• Ceiling Mounted – Installation for these is done directly into the ceiling. They are similar to a canopy hood but bigger and more powerful and usually come with a convenient remote control.

• Island and Chimney – These high tech models are highly visible, expensive and generally become a contemporary focal point in your kitchen. Island and Chimney hoods feature florescent or halogen lamps and are equipped with fan motor systems that provide high performance levels. They also offer mounted accessories such as back plates, utensil rails and spice racks to enhance their appearance even more.

Troubleshooting Cooker Hood Problems

Before calling a repair professional because your new installation won’t work, check the following tips:

• Check that the unit is plugged in and turned to the on position.

• Is the ducting the correct diameter or equivalent area according to the size of the hood?

• Be sure that the ducting is not pinched or kinked anywhere.

• If there is a type of backdraught shutter that has been installed at either end, make sure that it is opening and closing when you switch the fan on or off. • The last of the Elica extractor fans installation tips is check for any rubble that could have gotten jammed during the install.

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Home Improvement

Top 5 Benefits of Having Your Car Windows Tinted




Regular tuning and maintenance are critical for the engine of your car. However, have you ever paid attention to the windows of your vehicle? What do you think about the window film aka window tint? According to most car owners, it just makes their vehicle look beautiful. However, the fact of the matter is that window tint offers a number of functional benefits as well. In this article, we are going to take a look at the 5 benefits of tinting. Read on to find out more.

1. Protects the Upholstery

Since your car is quite expensive, make sure it can stand the test of time. In other words, if you want to protect your investment, we suggest that you have your windows tinted by a professional. Although you can reduce sun damage by parking your car in shade, it won’t offer complete protection.

Therefore, it is a great idea to go for a window film. It can prevent the interior of your car from cracking and warping. Therefore, your car will look new for years to come. Besides, this type of treatment can also block windshield cracks, so you don’t get tired while driving your car.

2. Blocks the UV Rays

According to experts, having your car windows tinted can filter 99% of the UV rays of the sun. Long-term exposure to ultraviolet rays can increase your risk for cancer and skin aging. Actually, these rays of the sun or a type of electromagnetic radiation.

If you don’t protect your skin against the UV rays, you may experience sun damage, darkened skin, skin cancer, and premature aging. Even if you get a clear window film, you can block both the UVB and UVA rays of the sun.

3. Helps Block Solar Heat

If you are finding it difficult to adjust the air conditioning for all of the people in your car, you can go to car window tinting in Philadelphia to resolve this problem. Based on the grid, the window film can easily block between 35% and 65% of the heat from the sun.

Therefore, it will be easier for you to adjust climate control settings for everyone in your car. Apart from this, it may also help you reduce the fuel consumption of your car.

4. Offers Protection against Shattered Glass

We cannot underestimate the safety benefits of having your windows tinted. Primarily, tinted windows don’t shatter in case of an accident. Therefore, you will be protected against the tiny pieces of glass of the windshield.

Apart from this, it will be harder for thieves and burglars to break through the glass and steal something from your car.

5. Offers Privacy and Security

Lastly, you can choose from a variety of shades to enjoy a high level of privacy and security for the passengers sitting behind you. Therefore, you can park your car anywhere without worrying about prying eyes.

In short, these are some of the five benefits of having your car windows tinted. Hopefully, these tips will help you make an informed decision.

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Home Improvement

How to Make Your House Pay for Itself



Satisfy Your Second Home Craving with these Amazing Mountain Residences

Buying a home is one of the most expensive things most people do within their lifetimes.  Although most of us can afford to buy the house when we get into it: it’s nice to think that the home can eventually pay for itself or become a source of profit.

These are the top ways to help your mortgage pay itself!

Rent The Entire Property Out

The easiest way to have your mortgage paid off by the property itself is to rent your entire property out.  To do this, you’ll have to look into local rental laws in your area, vet renters to find people you can trust, and set the rent at a competitive number so that you can afford to let them live there while they eventually pay off the house’s price.

This can take a lot of work since you’ll have to maintain the property, pay taxes on your rental income, and deal with the losses and the cost of court if you have to evict a renter.  It’s not as easy as it may seem, so only take this approach if you’re ready for it.

Create A Rental Space On The Property

If renting out the entire property and not living in it isn’t an option, consider renting out portions of it.  This could be a small in-law suite in the backyard or an attic apartment that you update to be comfortable for tenants.  Even smaller, you can rent out a storage room on your property, which gives you the chance to cut out someone else living on your property altogether.

If you rent out this space, it’s a good idea to get security cameras and set some general rules for those leaving their property on your property.  Study up on local laws, so you’ll know what you have the right to do if your renter doesn’t pay.

Use Solar Panels and Grow Your Food

Although this doesn’t directly result in money, you can save enough money over time that it will cover the cost of a portion of your home by investing in green alternatives.  Growing your produce can save you hundreds of dollars a year, and putting in solar panels will give you a tax deduction while also saving money on your electricity bills.  These can take some time to come to fruition, but it’s better than struggling with tenants asking themselves, ‘should I rent or buy a house?’.

Start A Home-Based Business

If the idea of being a landlord isn’t for you, and you don’t want to sell your home or grow food to pay off your home: consider turning your property into a  business!  The type of business you start depends on your skills, the zoning of your area, and what kind of customers you expect.

Some makeup artists and beauticians turn parts of their home into their studio where customers are worked on, but that’s not the only way to start a business!  If you run your print shop, repair shop, or sticker company out of your home, the fact that you don’t have to pay for retail space will eventually help pay off your home’s bills.

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Home Improvement

Smart Solutions For Small Spaces




Space constraint has made apartment homes trendy in India, offering a streamlined and minimalist approach. Micro-lifestyle living has captivated the minds of the millennial generation, with creative solutions that transform small spaces making it possible to live big while living small. Maximize space to make your apartment feel spacious and welcoming. Here, we feature some intelligent solutions that would be ideal for small space living in apartments.

Keep It Neutral

Fool your eye into thinking that the apartment is more spacious by adding calm, even-toned hues. A cheerful color, like pale turquoise hue, is a good idea to set a happy mood in a tiny room.Ensure to add a variety of textures to keep the apartment interesting.

Be Resourceful

When space is limited, limit your purchase of new, bulky furniture, like armoires and clothes dressers which occupy a lot of floor space. Buy just a few large-scale furniture pieces to make the interiors grander. Don’t stack all of your furniture up against the walls because space behind the furniture makes the room look wider than it is. Be resourceful by using all surface space like even a windowsill for decor, lighting, and other essentials when there’s no room for an extra table.

Opt for openness

Separate rooms by pocket doors having glass windows which permit light to flow throughout the space while also creating separation. And even better, they slide right into the wall when not being used, taking up much less space than swinging doors.

Use Space on the Walls

Mirrors on the walls make your space feel larger, lighter, and airier. And a convex mirror to add a lot of personality to interiors. Mount your TV on the wall as a media console is the biggest space waster in a small living room. Use open and closed shelving installed on walls to remove bookshelves, and storage furniture units off of the floor and on to the walls. Or another option is to opt for a mounted wall desk as it takes up way less room-and you can even mount shelves above it for even more storage space.

Multipurpose Furniture

Opt for furniture which can serve multiple purposes. Find a table that can function as a desk and a dining table, get a deep sofa that can double as a guest bed, or buy cubes that serve as a coffee table and bonus seats when guests are over. Buy extra seating that can fold up and be super compact so you can store it away while the guests aren’t over.

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Home Improvement

Security Tips for Residential Doors




Protecting your home from any intrusion and theft should be made as the first priority. One of the common threats faced by homes is burglary and the way to minimize this risk is by making your home difficult to enter. By improving the security, you can reduce the chances of theft and prevent it.

Exterior doors

Exterior doors are the security doors that offer protection to your residence from theft, vandalism and burglary. It is important to secure these doors to its highest potential. Exterior doors should be made of solid core wood that is 1-3/4 inch thick or in metal.

The front exterior doors must be installed with one inch deadbolt locks. Door hinges must not be on the outside and if it is, you need to remove them and place them inside. If not done, the thief can easily break through by knocking out the hinge pin.

Replace old and rotted door frames with solid and new ones. It is easy for the burglar to break doors with old and worn out frames.

Doors with glass panels should be fortified or replaced or secured as it easy for the thief to break the glass and reach out for the doorknob and break open the door. Doors should be made secure by installing decorative grilles over them with non-removable screws.

A wrought iron door should be installed over your front or exterior door to provide visibility and offers maximum security. This allows you to open your front door for ventilation and at the same time, you can see if strangers are at your door.

Entry doors should be provided with ample lighting as this acts as a deterrent to thieves to gain entry into your house.

A wide angle peep-hole must be installed in the door from the house to the garage. This will help in seeing outside without having to open the door, if you find any suspicious activity or hear any strange noise.

Garage Doors

When looking at security of a home or residence, garage doors are a weakest point that allows criminals to enter your premises. It is important to secure every entrance point and take all preventable measures to secure your garage.

With the use of modern automatic garage door openers which features rolling code technology, there is increased security. Avoid leaving your garage door open as it may invite trouble anytime. Don`t leave the remote of the garage door in your vehicle as it leaves room for the thief to gain easy access to your house.

Make sure about your doors from the garage to your house are as strong and secure as your front door. Ensure that you have sturdy wooden door or one made of reinforced steel. The anti-kick device installation will make the doors difficult from break through easily. They should be secured with good locks.

The maintenance of garage roller shutters or doors must not be neglected. Check for corrosion, hinges, locks and frames.

Home security shutters

These security shutters act as a physical barrier to deter burglars and offer maximum protection. They can be installed internally or externally and can be operated manually or electrically. They also allow easy exit in case of emergencies.

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Home Improvement

How to Keep Your Child’s Play Tent Clean




Although most of the play tents that you buy online are strong and durable, that does not necessarily mean that they are free from getting dirty. Every time you set up your child’s play tent, they are always bound to get covered in dust and stains; and when you set them up outside, they are very likely to get covered in mud and stains, especially if there is an inclement weather. That is why, it is always best to keep your child’s play tent at all times.

Always clean the tent before folding it down and putting it inside its pouch or carry case. If in case cleaning up before packing is not an option, put the tent back up the soonest that you can. The best way to clean a tent is when it is standing up because it will be more difficult to clean and harder to dry when it is collapsed.

Most of the play tents sold are treated with special chemicals in order to make them waterproof, stain resistant as well as mildew resistant. Therefore it is not at all necessary or advisable to wash them. Washing the tent can ruin and deteriorate its waterproof finish. If your child’s platy tent is simply dusty and dirty from regular indoor use, the best way to clean it is to use a brush and a vacuum. Shake the tent outside and brush or sweep away as much dirt as you can. Use a small, handheld vacuum in order to remove the remaining dirt.

If there is a stain on your child’s play tent, it is advisable to do a deeper cleaning. Choose a cleaner that does not contain detergent and if possible, use the one that is specifically intended for cleaning tents and like materials. Mix the cleaner with water in the amount specified on the bottle.

Using a detergent to clean the tent is not advisable because its chemicals can break down any special coatings that the play tent might have. After rinsing thoroughly, hose the tent down for the last time just to make sure that all the cleaner is removed. Be sure to dry it completely before packing it away.

Just in case your child’s play tent has molds, you will need something stronger to get rid of it. A half cup of water and a half cup of vinegar will do the trick – spray it on the tent or soak the tent in the mixture, depending on the size of the area that needs to be cleaned. After soaking for some time, scrub the mold off with a brush and rinse the tent thoroughly. Again, make sure that you dry it completely before storing it away.

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