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Save your way to lower home insurance
(Family Features) If your homeowner insurance rates are creeping up even though you haven’t filed any claims, it may be time to take a look at how you can bring those prices back down.
Research, smart shopping and even some home upgrades can make a noticeable difference in your insurance premiums. Explore the cost-savings potential with these tips from the experts at CertainTeed, a leading manufacturer of exterior and interior building products:
Shop for the best rates. It’s easy to be complacent when you’ve used the same insurance company for years, but if getting the best rate is your objective, it’s a good idea to shop around. To do effective comparison shopping, have a copy of your current policy ready and contact a handful of competitors. Provide them the exact same coverage details so you can compare like rates, but also be ready to listen to information about additional coverage options that may suit your needs.
Combine homeowner insurance with other policies. Most insurance carriers offer multiple policy discounts, which they apply when you insure more than one item. For example, if your homeowner insurance carrier also insures your cars, you’re likely to save money on the rates for protecting both your home and automobiles.
Update your home’s first line of defense. Many homeowners focus on aesthetics when it’s time to make upgrades, but there are some important functional improvements that can make a difference when it comes to your insurance premiums. For example, as extreme weather becomes more commonplace, the first line of defense is often the type of roofing material chosen. Many insurance companies even offer discounts for using impact-resistant shingles. Check with your insurance provider before making a final selection, but in general, look for products that include “impact-resistant” in their name and specs, and “Class IV Impact Resistance,” the highest rating available for roofing materials.
For example, NorthGate Class IV impact-resistant shingles from CertainTeed are engineered to have a higher probability of resisting hail. These shingles are made using rubber-like polymers that offer flexibility and impact resistance, as well as crack and shrink resistance, even in cold weather. So when severe weather strikes, your home can be protected and stay looking good.
Install a home security system. An intruder alarm can provide more than peace of mind. Insurance companies often reward homeowners who take steps to minimize the chances of burglary or vandalism. After all, a well-protected home is less likely to result in a claim for losses. Some companies offer varying degrees of discounts on insurance rates depending on the type of system you install, so be sure to thoroughly research the options. For example, a system that simply emits a loud noise when triggered may generate one level of discount, while a system that dispatches emergency personnel when activated can lead to an even better rate.
Insurance rates are one place to save money on your home costs. Learn more about impact-resistant shingles and how they can save your home and wallet at certainteed.com.
SOURCE:
CertainTeed
(Family Features) Welcoming a new pet is exciting, but preparation is needed to provide a loving home and enjoy the unconditional love.
Prepare your furry friend for a new home with these essential tips for first-time pet owners.
Choose the Right Pet for Your Lifestyle
Consider your living situation, work schedule and personal preferences. Research different breeds to find the one that matches your activity level, living space and family dynamics. Also consider any allergies or sensitivities you or your family may have as some pets may trigger allergies or asthma symptoms.
Set Up Your Home
Before bringing your new pet home, create a safe and comfortable environment. Start by pet-proofing your home, removing any hazardous substances and securing loose wires or cords. Make sure to store cleaning supplies, medications and toxic plants out of reach. Provide a designated space that includes a cozy bed or crate, food and water bowls and toys.
Create a Routine
Establish a consistent schedule for feeding, exercise and bathroom breaks. Determine the appropriate amount and frequency of meals for your pet’s age, size and breed. Spend quality time with your pet daily, providing attention, affection and mental stimulation.
Budget for Your Pet’s Needs
Owning a pet comes with financial responsibilities. Consider the costs of food, grooming, veterinary care, vaccinations and preventive medications. Additionally, factor in the cost of toys, bedding, litter and other supplies.
Find a Reliable Veterinarian
Regular check-ups and open communication with a local veterinarian can help detect any potential health issues early and ensure your pet receives the best possible care. Ask friends, family or neighbors with pets for provider recommendations and read reviews. Visit potential veterinarians’ offices to meet the staffs, tour the facilities and ask any questions you may have.
Find more tips for welcoming a furry friend into your home at eLivingtoday.com .
Photo courtesy of Unsplash
Watch video to find out how!
SOURCE:
eLivingToday.com
(Family Features) If cooler weather has you longing for sunny days outdoors, take heart. Once spring rolls around, you can prepare your yard for months of warm-weather enjoyment with these tips.
Watch video to find out how!
- Clear the Yard
Remove any leaves, rocks or sticks that may have accumulated then cut the grass as short as you can.
- Dethatch
Use a thatching rake to remove dead roots and grass.
- Treat Weeds
Apply herbicide to treat weed-infested areas. Allow the weed killer to work for about a week then rake to remove dead weeds.
- Add Seed and Fertilizer
Depending on your lawn’s needs, overseed or spot seed to fill in thin spots. Use a grass variety that matches your climate for best results. Select and apply fertilizer consistent with your grass type then water thoroughly.
- Clear Garden Beds of Debris
Remove leaves and other matter that piled up in your garden during the cooler months. Gently turn the soil and work in fresh fertilizer.
- Start Planting
Early spring is the time to divide perennials and plant hardier vegetables, such as onions and potatoes. You can also start indoor seeds, if necessary, and move plants outdoors when the weather permits.
Getting some of your lawn and garden care underway now can make those warmer, sunny days feel closer in no time. Find more seasonal tips for prepping your yard at eLivingtoday.com.
SOURCE:
eLivingToday
(Family Features) A clean grill can enhance the flavor of your food, making regular grill maintenance an essential part of your outdoor cooking routine.
Grills, especially those exposed to the elements, can accumulate dirt, rust and food residue that can affect performance and safety. Plus, residual char and grease can impart unwanted flavors and even lead to flare-ups.
Once you’ve gathered the right tools – a sturdy grill brush with stainless steel bristles, a scraper, a bucket of soapy water, microfiber cloths and grill cleaner or degreaser – consult this step-by-step guide to keep your grill in pristine condition, ensuring delicious meals every time.
- Preheat the grill for 15 minutes to loosen any stuck-on residue then turn it off and let it cool slightly.
- Ensure the gas supply is turned off before cleaning.
- Remove the grates and scrub them thoroughly with a grill brush and warm, soapy water. Rinse and let dry.
- Clean burners by wiping them with a damp cloth.
- Scrape the inside of the grill to remove any debris and use a vacuum to collect loose dirt and ash.
- Wipe down the exterior of the grill with a microfiber cloth and grill cleaner.
- Reassemble the grill once all parts are dry and give it a final wipe down.
In between deep cleanings, remember to clean your grill grates immediately after cooking while they are still warm to remove food particles and grease. Find more tips for the grill and beyond at eLivingtoday.com.
Photo courtesy of Shutterstock
SOURCE:
eLivingtoday.com
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