homeowners

As spring arrives and the days get longer, the sun feels warmer, and fresh buds start to pop out of the ground and on tree branches, green thumbs can't wait to get their hands in the dirt. Those living at higher elevations typically have to wait a bit longer to dig in than other flatlanders, as the nights can still be frosty, and the soil may still be wet from the snowmelt.
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Let's face it, sewer backups can be one of the more unpleasant aspects of home ownership. In addition, they tend to strike during some of the worst possible times (like when the in-laws are visiting) and can be costly and complicated to fix – if you can find someone to fix it fast.
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In a world full of visible dangers, the last thing anyone in Florida wants to think about is the invisible ones. But they're there and, believe it or not, many of them may be lurking inside your home. According to the CDC, each year, approximately 430 people in the U.S. die from accidental carbon monoxide poisoning and more than 50,000 are treated for it. Mold is prevalent in an estimated 70 percent of American homes. And the EPA and Surgeon General attribute more than 21,000 annual deaths from lung cancer in the U.S. to radon exposure.
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"If you're not getting better, you're getting worse." It's hard to say who was first to utter that phrase but you hear it most used in sports banter. It is a round-about way to say that we're not living in a static world - everything changes and the same is true for factors affecting the costs to replace your home. Your policy might have been up to the task of covering the expense of rebuilding your home at one time. But, chances are, it may no longer afford enough coverage unless it has been changed to reflect the reality of replacement cost. Insurance industry experts and others routinely estimate that up to two-thirds of homes in the U.S. are under insured. For most of us, checking our home's replacement cost periodically is a good idea.

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With the rise of homeowners' insurance rates, everyone is looking for different ways to reduce their premiums. In some cases, people are turning to technology to make their homes more efficient and cost effective regarding homeowners' rates. They are either converting their residences to "Smart Homes" or they are adding technology to handle specific functions.

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For new homeowners, if you managed to buy a house in today's market, you definitely have a lot to celebrate. So now what? Well, whether you just purchased your dream home and plan to stay in it forever, or a property you hope to use as a stepping stone to better things, there are a few things you need to know in order to make your investment work for you.
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As we come to the end of the year, it is time to take into consideration any and all of the factors that have come into play regarding the value of your home, which in turn, could affect your home's insurance coverage.

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