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40+ Home Insurance Savings Tips

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Your dwelling is often your most precious asset that you need to protect. We created a list of all savings opportunities associated with Home insurance. This list is the most complete perspective on home insurance savings tips. Numerous insurance brokers contributed to this list. So, let’s start!

1. Change your content coverage: Renting a Condo? You can often lower your content coverage. No need to insure your belongings to up to $250,000 if you only have a laptop and some IKEA furniture!

2. Renovations: Renovating your house can result in lower home insurance premiums, as home insurance premiums for older, poorly maintained dwellings are usually higher. Additionally, renovating only parts of your dwelling (e.g. the roof) can lead to insurance savings.

3. Pool: Adding a swimming pool to your house will likely lead to an increase in your insurance rates since your liability ( e.g. the risk of someone drowning) and the value of your house have increased.

4. Pipes: Insurers prefer copper or plastic plumbing – maybe it is a good idea to upgrade your galvanized / lead pipes during your next renovation cycle.

5. Shop around: Search, Compare, and switch insurance companies. There are many insurance providers and their price offerings for the same policies can be very different, therefore use multiple online tools and talk to several brokers since each will cover a limited number of insurance companies.

6. Wiring: Some wiring types are more expensive or cheaper than others to insure. Make sure you have approved wiring types, and by all means avoid aluminum wirings which can be really expensive to insure. Not all insurers will cover houses with aluminum wirings, and those that would, will require a full electrical inspection of the house.

7. Home Insurance deductibles: Like auto insurance, you can also choose higher home insurance deductibles to reduce your insurance premiums.

8. Bundle: Do you need Home and Auto Insurance? Most companies will offer you a discount if you bundle them together.

9. New Home: Check if insurer has a new home discount, some insurers will have them.

10. Claims-free discount: Some companies recognize the fact that you have not submitted any claims and reward it with a claim-free discount.

11. Mortgage-free home: When you complete paying down your house in full, some insurers will reward you with lower premiums.

12. Professional Membership: Are you a member of a professional organization (e.g. Certified Management Accountants of Canada or The Air Canada Pilots Association)? Then some insurance companies offer you a discount.

13. Seniors: Many companies offer special pricing to seniors.

14. Annual vs. monthly payments: In comparison to monthly payments, annual payments save insurers administrative costs (e.g. sending bills) and therefore they reward you lower premiums.

15. Annual review: Review your policies and coverage every year, since new discounts could apply to your new life situation if it has changed.

16. Alumni: Graduates from certain Canadian universities ( e.g University of Toronto, McGill University) might be eligible for a discount at certain Insurance providers.

17. Employee / Union members: Some companies offer discounts to union members ( e.g. IBM Canada or Research in Motion)

18. Mortgage insurance: Getting mortgage insurance when you have enough coverage in Life insurance is not always necessary: mortgage insurance is another name for a Life/Critical Illness / Disability insurance associated with your home only but you pay extra for a convenience of getting insurance directly when lending the money. For example a Term Life policy large enough to pay off your home is usually cheaper.

19. Drop earthquake protection: In many regions, earthquakes are not likely – you could decide not to take earthquake coverage which could lower your premiums. For example, in BC earthquake coverage can account for as much as one-third of a policy’s premium.

20. Wood stove: Choosing to use a wood stove means higher premiums – Insurance companies often decide to inspect the houses with such installations before insuring them. A decision to get rid of it means a lower risk and thus lower insurance premiums.

21. Heating: Insurers like forced-air gas furnaces or electric heat installations. If you have an oil-heated home, you might be paying more than your peers who have alternative heating sources.

22. Bicycle: You are buying a new bicycle and thinking about getting extra protection in case it is stolen when you leave it on the street e.g. when doing your groceries? Your Home insurance might be covering it already.

23. Stop smoking: Some insurers increase their premiums for the homes with smokers as there is an increased risk of fire.

24. Clean claim history: Keep a clean claim record without placing small claims, sometimes it makes sense to simply repair a small damage rather than claim it: you should consider both aspects: your deductibles and potential raise in premiums.

25. Rebuilding vs. market costs: Consider your rebuilding costs when choosing an insurance coverage, not the market price of your house (market price can be significantly higher than real rebuilding costs).

26. Welcome discount: Some insurers offer a so called welcome discount.

27. Avoid living in dangerous locations: Nature effects some locations more than others: avoid flood-, or earthquake-endangered areas when choosing a house.

28. Neighbourhood: Moving to a more secure neighbourhood with lower criminal rate will often considered in your insurance premiums.

29. Centrally-connected alarm: Installing an alarm connected to a central monitoring system will be recognized by some insurers in premiums.

30. Monitoring: Having your residence / apartment / condo monitored 24 hour can mean an insurance discount. e.g. via a security guard.

31. Hydrants and fire-station: Proximity to a water hydrant and/or fire-station can decrease your premiums as well.

32. Loyalty: Staying with one insurer longer can sometimes result in a long-term policy holder discount.

33. Water damages: Avoid buying a house which may have water damage or has a history of water damage; a check with the insurance company can help to find it out before you buy the house.

34. Decrease liability risk: Use meaningful ways to reduce your liability risk (e.g. fencing off a pool) and it can result in your liability insurance premiums going down.

35. Direct insurers: Have you always dealt with insurance brokers / agents? Getting a policy from a direct insurer (i.e. insurers working via call-center or online) often can be cheaper (but not always) since they do not pay an agent/broker commission for each policy sold.

36. Plumbing insulation: Insulating your pipes will prevent them from freezing in winter and reduce or even avoid insurance claims.

37. Dependent students: Dependent students living in their own apartment can be covered by their parents’ home insurance policy at no additional charge.

38. Retirees: Those who are retired can often get an additional discount – since they spend more time at home than somebody who works during the day and thus can prevent accidents like a fire much easier.

39. Leverage inflation: Many insurers increase your dwelling limit every year by considering the inflation of the house rebuilding costs. Make sure this adjustment is in line with reality and that you are not overpaying.

40. Credit score: Most companies use your credit score when calculating home insurance premiums. Having a good credit score can help you to get lower insurance rates.

41. Stability of residence: Some insurers may offer a stability of residence discount if you have lived at the same dwelling for a certain number of years.

Home Improvement

Beautiful Wooden Gift Ideas 2022

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Beautiful Wooden Gift Ideas 2022
https://unsplash.com/photos/HWO6pm-OcMM

One of the best gifts to get someone is a gift that can remain on display for years to come, like a well-built wooden present. But exactly which types of ideas will make the right impact on your loved one? 

If you’re trying to show your love and appreciation for someone else, here are a few beautiful wooden gift ideas worth adding to your shopping list. 

Celebrate and Memorialize With Personalized Signs

There’s always something to celebrate in your loved ones’ lives. In some cases, this may be an achievement like graduating college, moving to a new home to start a family, or even getting the job of their dreams. Of course, there are also difficult occasions that we may wish to memorialize and work through collectively, such as the passing of a loved one or a pet in the family. 

Hardwood signs fit well into almost any space and allow you to forever capture these moments that are important in our lives. Personalized hardwood gifts like these can easily be hung or displayed proudly on a shelf as a token of your appreciation for that person and all that they represent to you. Every time they look at their gift, they’ll think fondly of both what it represents and the person who gave it to them!

Capture Moments Forever With Stunning Picture Frames

Immortalizing your favorite moments with your loved ones framed perfectly in your favorite picture frames can be a great way to grow your connection with those closest to you. Whether you’re a fan of natural wood products or recycled wood products (a better option for those who are eco-friendly in your family or friend group), there are plenty of great products out there designed for any space. 

Decorations and Ornaments

Decoration

Image URL: https://unsplash.com/photos/AJVT6oienHs

Small wooden crafts are great gifts to get those who want to spruce up their space and have something

sentimental around that they can cherish. For example, if their indoor plants are looking a bit bare, wooden ornaments that can hold a photo or feature an important date can be a great present to give them that they can use year after year. 

Furniture and Decorations

If you’re looking for something that can be used throughout the year instead, there are tons of wooden items that will be greatly appreciated. These include children’s toys or benches, small personalized wooden coasters or trays, or even items they can hang around the house like clocks.

If your budget is a bit higher, you may want to invest in some nice furniture or extravagant pieces like a Grandfather clock that they’ve been looking to buy for themselves. Items don’t have to be expensive to be thoughtful, but these gifts are sure to be greatly appreciated and taken care of for years to come. Put simply, the only limit to what type of decorations and trinkets you can get for your loved one is your imagination! 

Wood Is Timeless and Sturdy, Just Like Your Love!

Finding great presents that are thoughtful, functional, and well-built can feel like a difficult feat. However, wooden gifts meet all of these requirements, giving your loved ones something that they can enjoy and display for years to come. That being said, there are so many great ideas out there that it can be hard to sift through all of the wonderful suggestions and find something that pertains to your relationship with family, friends, or your partner. 

If you’re ready to give those closest to you a gift that represents your love and dedication, use some of the beautiful wooden gift ideas above as inspiration to build your shopping list. No matter what type of gift you decide to give them, the thought and quality of your present is sure to put a smile on their face!

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The Joys of Living in Luxury Apartments

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Texas developer pays $15M for site of planned apartments in Denver’s Golden Triangle neighborhood

You’re tired of living in your small, boring, and white-walled apartment, but you don’t want to purchase a home that requires a lot of work. You’ve heard of luxury apartments and their amazing features. So, are they everything they say they are? Look at these reasons you need to choose a luxury apartment for your next home.

9 Reasons Why You Need to Upgrade Your Home

  1. You’re Always in a Prime Location

Luxury apartments are usually in the heart of booming businesses or swanky suburbs and offer a lot of walkability. Many times you can rent a luxury apartment next to parks or trails, while also being nearby your citi’s hottest shopping and entertainment districts. 

Big Bonus: Most luxury apartments have 24-mini markets and complimentary coffee bars, so you can stay home when you really want to. 

  1. Your Pets are Treated With Prestige

There are pet-friendly apartments, and then there are luxury apartments where your pet is considered a resident. For instance, you won’t find private bark parks or paw spas in basic apartment complexes. 

Big Bonus: Leasing teams in luxury apartments put residents first, which is why most have treats and bandanas waiting for your dog when you’re done spending quality time using their pet-friendly amenities.

  1. A Great Place for Work and Play

If you’re like most people, you need to work at some point. With today’s ever increasing remote work, luxury apartments are the best place to earn your paycheck from home. Not only do floor plans provide ample space for a home office, they also have community features like multipurpose meeting rooms for business and entertaining.

Big Bonus: The floor plans in luxury apartments are thoughtfully designed and offer uniquely elegant features. For example, you might find pop-out desks, under-counter beverage coolers, and smart home features.

  1. There’s Nothing Like Summer in Luxury Apartments

Summer amenities are definitely something to behold when you live in downtown apartments or apartments nestled in the suburbs. That’s because they always have stunning and breathtaking pools. Spend your time soaking up the sun in submerged loungers on a rooftop pool with stunning views.

Big Bonus: Luxury apartments don’t stop at the pool. They often feature extravagant private cabanas, hot tubs, summer kitchens, and outdoor televisions.

  1. You Definitely Won’t Need a Gym Membership

The fitness facilities in luxury apartments are top-of-the-line, and include many pieces of equipment you wouldn’t find in basic apartment complex gyms, like rowing machines and cycle studios. Many luxury apartments also offer a separate space for yoga and other group fitness classes.

Big Bonus: Luxury apartments often have outdoor fitness areas, too. You might rent apartments that feature golf courses, pickleball and tennis courts, or even supply community bicycles so you can explore your neighborhood with ease.

  1. They Go Above and Beyond With Entertainment

When you live in regular apartments, you might get a clubhouse with comfortable seating. However, the entertainment and community spaces in luxury apartments have entertainment features that make you feel you live in a resort. You’ll find things like media lounges and pool tables to fill your free time.

Big Bonus: Most luxury apartment properties have monthly resident events where you can sip on craft cocktails, play games, and get to know your neighbors.

  1. You Won’t Find a Better Way to Relax

You’ve worked the day away, tackled your fitness routine, and now it’s time to relax. Thankfully, luxury apartments have your back, literally. Most luxe properties have private day spas and massage rooms for you to reserve at your convenience. 

Big Bonus: You get a golden glow for free in your luxury apartment complex, because many have tanning beds. Some super luxe properties even offer spray tans, so you can be bronzed for summer.

  1. Don’t Worry About a Hotel Room for Your Guests

One of the worst parts about having friends and family in town to visit is that they have to stay in a hotel. When you rent a luxury apartment, you’ll most likely have a guest suite available for your loved ones. That way, you can spend more time together and less time traveling back and forth.

Big Bonus: How many times have you arrived at your basic apartment complex only to have zero parking available? Most luxury apartment complexes offer reserved and covered parking for your vehicle.

  1. Your Valuables Are Always Secure

Luxury apartments use state-of-the-art security equipment to keep you and your things safe. This means you can find cameras monitoring every inch of the property and smart locks to ensure only residents have access to your building.

Big Bonus: Luxury apartments realize that meal delivery services are a great way to get a fresh and fast meal. That’s why many offer cold storage package rooms, so you don’t have to worry about your food spoiling while you’re away.

Are Luxury Apartments Worth It?

Absolutely! If you’re a person looking for a low-maintenance lifestyle and incredible perks, then you won’t find a better home than a luxury apartment, because they have the space and features to facilitate a carefree life. The only choice you need to make is which property has the amenities you need to live your best life! 

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Tips for Buying BBQ Covers and Maintaining Them for BBQ Season

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BBQs are a great way to cook food in your backyard. Investing in BBQ covers will help keep them clean for the season.

1) BBQ Grill Covers

Protect BBQ grills from dust, sunlight, and other environmental elements. If you have a BBQ cover, make sure it is large enough to fit over your BBQ grill in case of wind or rainstorm. Measure before buying! If not, then buy an enclosure that can be used with a BBQ grill & go for additional protection.

2) BBQ Gas Grill Covers –

It’s best to get one that matches the size of your gas BBQ, so if you get one that fits perfectly, it will protect better against elements like wind and moisture than a one that is too large or too small.

3) BBQ Portable Grill Covers

When the BBQ grill is not in use, get a BBQ portable grill cover to protect it against dust and debris. If you live in an area where there are lots of storms, make sure the BBQ portable grill cover has vents for water drainage to avoid rusting on the BBQ.

4) BBQ Maintenance Tips

Maintaining your BBQ grills regularly will help them last longer. Try using steel wool for cleaning cast iron BBQ grills, while brass brushes can be used on stainless steel surfaces. If gas BBQs are exposed to moisture during storage, remove the propane tanks and let them dry out completely before reattaching them to avoid corrosion inside the BBQ.

5) BBQ Cover Safety Tips

If you are using a BBQ cover for the first time, make sure to disinfect them by washing them with water and mild soap or hydrogen peroxide solution. Let it dry completely before putting it on your BBQ grill. If you are storing BBQ covers away during the summer season, always let them dry out fully before packing them up, especially if they have been exposed to moisture during storage.

With BBQ season just around the corner, barbecuing enthusiasts are getting ready to fire up their charcoal and gas grills. If you’re looking for a protective cover for your BBQ grill, you can get one designed specifically for your BBQ type at. These high-quality BBQ covers will protect your barbecue from the elements and keep it in great shape so that you can use it all summer long.

However, if you want to get the most out of your BBQ cover and prolong its life, here are 10 tips:

Let it air dry after cleaning

Protect it from direct sunlight

Remove any dirt or debris before putting on the BBQ cover

Clean stains immediately to prevent them from setting

Do not overfill the BBQ cover

Don’t drag the BBQ cover on rough surfaces

Custom-fit covers are more likely to fit better and last longer

Always dry off your BBQ before putting it into a BBQ cover

When using a BBQ rotisserie, place a BBQ grill mat under the spit or skewers to prevent black marks on the BBQ cover

Maintain your BBQ’s original shape by taking off any clips or strings from inside the BBQ cover.

Choosing a high-quality BBQ cover is essential to protecting your barbecue from damage due to elements such as water, dirt, debris, and sun exposure. That being said, since most barbecues are stored outside during use, they can be prone to damage from rain and moisture. If you’re looking for BBQ covers that can withstand rain and moisture, look for BBQ covers labeled as water-resistant or water-proof. BBQ covers are generally made from vinyl, nylon, or other synthetic materials.

If your BBQ grill is in need of some tender love and care to get it ready for BBQ season can help. From BBQ accessories such as BBQ rotisseries and containers to BBQ tools such as tongs and spatulas, they have all the BBQ supplies you need to keep your barbecue beautiful so that it will be a great addition to your outdoor cooking experience all year long!

Conclusion:

With BBQ season just around the corner, BBQ enthusiasts are getting ready to fire up their charcoal and gas grills. However, if you’re looking for a protective BBQ grill cover that can withstand rain and moisture, look for BBQ covers labeled as water-resistant or water-proof. BBQ covers are generally made from vinyl, nylon or other synthetic materials. If your BBQ is in need of some tender love and care to get it ready for BBQ season can help. They have all the BBQ supplies you need to keep your barbecue beautiful so that it will be a great addition to your outdoor cooking experience all year long!

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