house

House Insurance Comparison: Overview of Factors That Affect Rates & How You Can Choose a Policy

Posted on

As with any type of insurance, you are probably interested in getting the best possible deal on home insurance. Thankfully, there are tools that make it possible to not only search for policies, but to do house insurance comparison with multiple quotes to find the best one for you.

For some homeowners, price matters more than anything. This should not be the case, though, since overall value is more important than cheap rates. Consider both the premiums and deductibles. Think about the rebuilding costs of your home. How much will it cost to literally replace everything is your home and property is utterly destroyed? The current value of your home and the rebuilding price will not be the same. Try to estimate how much you will be able to afford to pay in deductibles in the worst case scenario and keep that in mind when doing house insurance comparison.

Here are some of the factors that affect the insurance quotes you will get:

• Home's type of construction and age

• Location

• Credit score

• Deductible

• Certain risk factors (swimming pool, trampoline, aggressive dog breeds, etc …)

• Claims history

• Roofing material

• The yard / property / landscape

Older homes have a higher chance of something going wrong regarding the electric wiring, plumbing, HVAC systems, ceiling, and construction in general.

House Insurance Comparison of Coverage Types

There are certain things that general home insurance policies don't cover. Make sure you know exactly what is covered and what isn't before you make your choice. Sometimes it is the matter of gaps in the coverage, where the policy owner thought they were protected but either had incorrect or insufficient coverage. Such issues can be avoided by carefully reading over the terms of each quote you are provided with.

Flood insurance, for instance, isn't always covered in basic policies. If you live in an older home and have concerns about plumbing, or live near a body of water, this is something you will definitely want to think about. All it takes is a few inches of water to utterly destroy your flooring and some of your furniture. Even a small stream can become a raging river if there is enough rain.

Discounts are sometimes available, especially if you install safety and security equipment.

Where can you get started with house insurance comparison ? All you have to do is look into the unique insurance platform set up by Lemonade. It even has a neat AI bot that will help craft the perfect insurance for you. Get affordable, reasonable rates – especially if you use Lemonade House Insurance discounts.

Source Article

house

How to Choose an Interior Designer or Decorator

Posted on

Whether you're considering decorating one room or your entire house, if you want to retain the services of an interior designer or decorator it is important you are selective and careful about whom you choose. The right choice can lead to wonderfully decorated rooms done to your design and your budget that vastly improve the look, feel and value of your home. Make a poor choice however and you could find yourself out of pocket with very little to show for it.

The best place to start when choosing an interior designer or decorator is to contact friends or family to find out whether they have anyone they can recommend. Choosing someone who has already been recommended by a friend is a good way to make sure you hire someone who is reliable and can do what you need. Every designer should have a portfolio to show you their work so even if you're forced to look for a designer who hasn't been recommended to you you should still be able to see some of their work. If someone does not have a portfolio you should probably not hire them because it is likely they have very little experience or don't know what they're doing. However good someone's portfolio is if they've never created something in the style that you are looking for then you might want to give them a miss in favor of someone who has done something similar to what you want to achieve.

Once you've found a likely candidate you'll still want to check out their references which they should have provided for you. Always follow up on references and ask questions to find out more: Some great questions to ask are whether they got what they wanted, if it was on time, if the price came out as quoted and whether there were any problems at all during the process . If both the portfolio and references have come out good you can go ahead with planning to hire them. Talk to your potential designer and get an estimated time of delivery as well as discussing budget. You might also want to discuss how much of an interest and input you'll be wanting in the project.

One of the most important things is to make sure you hire someone who you can communicate well with and who has a similar personality to you. If you like to have everything carefully planned out well in advance you might find it very hard and even stressful to work with someone who is much more spontaneous. When chatting with your designer the questions should not be one-way, it is their job to also find out as much about you and your needs as possible and so they should be asking you plenty of questions. If they're not they might not be able to deliver what it is you want. If you want a particular theme or you like particular colors this is the time to discuss this with …

garden

How to Choose the Best Garden Design

Posted on

The garden is one of the most beautiful and peaceful parts of a home. It brings us closer to nature, gives us a glimpse and feel of greenery with the comfort of our lawn. You can spend a perfect afternoon in your garden reading a book or unwind after a tiring day enjoying the beauty of green, all these will bring you such solace which you cannot find even if sitting in a fancy decorated room. But in order to get peace and happiness in the garden, its look and design should be pleasing. If you are not happy about the look of your garden then you will hardly find any peace there over all the grumping. The design of garden plays an important role in your outlook towards it. So choose the design carefully.

Before choosing the design for your garden you need to understand the shape and condition of your yard. If the shape of your garden is small then you should not opt ​​for a large number of tall trees. It will hog up extra space, leaving you only a much smaller portion. Medium plant pots with will well-trimmed grass and patio furniture will be a suitable option for small gardens. However, for big gardens, you can choose any design you want. Availability of space is a benefit.

The design of the garden also depends on the fertility of the soil you are reaping and the climate. Every season demands different plant. For example, if you wish to plant a tree which grows in autumn then all your effort will go to waste. Also the climate of the region you live in plays an important role. It is better to do some research before putting your hands in the soil. Make sure the plants receive the appropriate amount of sunlight to grow plus shade exposure as well.

Also, choose your design and theme according to the people living in your home. If your house is one of the kids then choose a theme which they find cute and attractive, like giving it look of a playground. This way they will be spending some time outdoors, doing some outdoor activity rather than just sitting in front of the television. If you are a bachelor then choose any design you find appealing.

Another tip, make your garden your look attractive so that you will be compelled to spend some time there. A garden is a great place for morning exercise. Not only you will get enough space for movement there, but you will also in inhale fresh morning air, which is good for your health, plus walking on the grass blades barren feet is really good for brain and body. It is suggested by doctors also.

You give your garden a fancy look by adding garden lights. You can use solar garden lights or LED outdoor lighting. It will not only make your garden look beautiful but will also be perfect for outdoor theme parties.

Source Article

bathroom

How to Choose Cabinets for Your Bathroom

Posted on

Fitting out your bathroom exactly to your taste is one of the joys of owning your own property, as all the different fittings and features you can add here make for not only a highly functional space, but one that is pleasant to spend time in too.

Whether you like to spend a long time soaking in a tub of bubbles whilst enjoying the ambiance set by your stone flooring and calming lighting options, or instead require a lot of space to keep the hundreds of products that you and your large family need to keep in this space, there are many ways to make this room exactly what you want it to be.

Choosing bathroom cabinets is an important part of your interior design, and it is crucial to consider various factors before making your selection of furniture. The first of these is the practicality of the cabinets that you are thinking of investing in.

You will need to choose bathroom furniture that is sufficiently durable, especially as these items are going to be fitted in a room that presumably gets a great deal of use, and frequently become wet due to all the water in this area. You should therefore choose furniture that can stand up to moisture and a lot of wear and tear.

There are many different materials that you can use for this, but one of the most durable is natural wood. Bamboo cabinets in the bathroom are an excellent idea as this is not only a stylish option, but also an extremely durable one too. It is also a good idea to choose furniture whose structure is made from high grade plywood, as this will ensure that it stands up to heavy use.

Although wood such as plywood or bamboo cabinets in a bathroom is a great idea when it comes to durability, it is important to make sure that items are fully protected from moisture damage by a varnish, lacquer or coating.

Some of the cheaper products on the market do offer a thick coating, but this also has the disadvantage that this can be unattractive, and also risks cracking and peeling with use, allowing moisture to enter the wood interior of the product. Instead, you could pay more for a natural wood product that has a thinner but relatively resistant clear coating.

Many bamboo cabinets for bathroom and kitchen environments boast natural water-based lacquers which can stand up to heavy cleaning and a lot of contact with moisture. You should always, however, check with the manufacturer or retailer to make sure that your choice of furniture is suitable for the environment in will be fitted in.

After you have considered practicality, it is time to invest some time into thinking about the style that you want in this important room in your home. Bamboo cabinets in the bathroom are an excellent option for modern or contemporary interiors, but they are certainly not the only choice you have.

If you prefer a naturally …

kitchen

How to Choose the Right Kitchen Cabinet Doors?

Posted on

Whether renovating a kitchen or making a new one, there are so many things to decide upon and each one of these things requires serious decision making. While most people pay more attention to the countertops and tiles, even the small things like kitchen cabinet doors need equal attention. There is no denying the fact that the tiles and the countertop would be the attention-catching things in your kitchen but choosing the right kitchen cabinet doors is equally important because the cabinets define your style and preferences.

Here are the common kitchen cabinet door styles available in your area. By learning about each of them, it would be easier for you to decide which one to choose for your kitchen:

Raised Panel

If you want to add dimension to the cabinets in your kitchen, you can use the raised panel style of kitchen doors. The style raises the middle panel and the carved edges that surround this raised panel add depth and visual detail to the cabinet, giving it a perfect look. As a classic type of cabinetry, the raised panel style of kitchen doors always look good and they will never go out of style.

Mission

This can be called the commonest of the styles for kitchen cabinet doors. An all-time favorite, the Mission style of doors have clean lines and therefore are suitable for all types of kitchens. The Mission cabinet door has a flat, framed center panel inset. If you are looking for extra appeal and beauty, you can replace the center panel with glass. It is the wood coloration and the natural grain of oak that imparts the Mission-style cabinet doors the beauty and splendor that it boasts of. You will never find the Mission-style kitchen cupboard doors going out of trend. In fact they will blend with whatever changes you make to the kitchen.

Shaker

As a kitchen cabinet door style, the Shaker style is quite similar to the Mission and the Raised Panel style. It has the flat central panel and a wide wood frame that surrounds the panel, outlining the door. The difference between the Shaker style door and the Mission style door is that the former has a slightly softer look while the latter one emphasizes more on the strength of the door and has additional slats and vertical lines. Another difference between the Shaker and Mission style of kitchen doors is that the former is made from cherry, maple or walnut wood while the latter one is made generally from oak.

Beadboard

If you want your kitchen to exude the charm of the countryside, choose to install the beadboard style of cabinet doors. If you have chosen beadboard paneling for the rest of your home, then your kitchen will also have the same style of kitchen cupboard doors.

Arched Cathedral

This style of kitchen doors has the arched style frame outlining the central raised panel. These cabinet doors are usually paired with the Raised panel doors with the former being on …

decor

Why Choose Farmhouse Decor Rustic Picture Frames

Posted on

So You Asked Our # 1 Question?

Why choose a farmhouse decor rustic picture frame ? We get asked that question a lot. You'd think after so many seasons of Fixer Upper with Chip & Joanna Gaines that everyone would know the answer to this question by now.

So we decided we should put together a list of the very best reasons why we see more and more people adding rustic picture frames to their modern farmhouse decor homes. There are a number of reasons why rustic or barnwood picture frames are so popular today and we're excited to share them here with you today.

We're sure to cover a few things you probably already thought about, but you better hang around until the end because I'm sure we're going to sprinkle a few surprises in on you here. So if you're ready, then let's get started.

What Qualifies Us on Rustic Picture Frame Decor?

So how am I qualified to write about farmhouse decor, or rustic picture frames for that matter? Well, I've been a Midwestern home designer for the last 40 years. Specializing in Craftsman style homes , I've seen more than my share of the new Modern Farmhouse look going into my new designs. When you add that to the fact that my wife and I own a rustic barnwood picture frame company at OnlyBarnwoodFrames.com, it's pretty easy to see where my experience comes from.

How Do Farmhouse Decor and Rustic Picture Frames Fit Together?

Many people were introduced to Modern Farmhouse Decor a few years ago when Joanna & Chip Gaines brought their Waco, TX renovation company into everyone's home. For years now we've all seen Chip either remove or install shiplap for Joanna and then watch her magically transform an otherwise typical space into the extraordinary with the use of simple rustic products. Often she would display the owner families photos or keepsakes in rustic picture frames and the trend began.

Since then others have followed with different shows depicting the use of reclaimed barnwood for everything from accent walls to table tops to our favorite, handmade picture frames.

Why Barnwood?

Let's face it, there's nothing more rustic or country than the look and feel of real authentic reclaimed barnwood. If you've watched shows like the Barnwood Builders , then you've heard Mark Bowe explain that you just can't copy the real patina of weather aged barnwood.

One of the most exciting things we've learned over the years is that every piece of barnwood is a little unique. So it takes a keen eye to bring together enough pieces of well matched wood to create some one of a kind frames. But even the most basic flat board frames can be very unique … more on that later!

How Do You Decorate With Barnwood?

This is a great question because so many people think of barnwood as being a simple gray brown finish. If that were true, it would be so boring. But the fact …