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

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.…

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The Difference Between Western & Country Home Decor

Western decor includes cowboy, horse, and even buffalo theme items. Western decor is not limited to the cowboy theme, even though it is extremely popular. Western decor can also include lodge or cabin decor.

Cabin decor includes bear, moose, deer and elk design items, whereas, cabin decor includes trout, pine tree, fishing, oak leaf and duck items.

You don't have to live in the wild west or even own a horse to surround yourself with western furniture and accessories. Western home decor can convey a western outdoorsy charm and appeal. With western home decor you may comprise an outdoor scene featuring forests, wildlife, horses, and cowboys.

The colors used in western decor tend to be darker and warmer, reds, oranges, and yellows are used to convey the idea of ​​a western sunset. Many people like the walls in the house to be somewhat of a neutral color. An off-white, light tan, or sand color works well western style decorating since these are subdued earth tone. A few colors that will match the natural landscape are skyblue, forest green, or dusty rose color.

Another area of ​​western home decor are the rugs. Rugs that go great with the western style are rugs with a southwestern design, sheepskin rugs, and rugs that depict wildlife such as horses or bears.

Some other things you want to consider in western home decor are horseshoes, stars, and plenty of cowboy decor. No western wall would be complete without several old brown tinted photographs.

Country home decor includes candles, sunflowers, wicker, pottery, dried flowers, handmade quilts, and red or blue gingham curtians. Country home decor brings about a warm and cozy atmosphere. Decorative country accents can bring a sense of farm life, family, and a relaxing feel to any room in the house. Using antiques, homemade craft items, and country-style accessories will add charm and character to your home.

Country decor should reflect floral prints, comfy sofas with ruffled skirts. The use of natural wood and products that reflect a natural earthy style protray country living. Natural wood floors, light wood furniture as opposed to dark, or wicker furniture gives off that country charm.

When it comes to the walls, whether using wallpaper or paint, use colors that reflect the country feel. You can even use stencils with flowers or country scenes to bring the country comfort into your home. No country home would be complete without a braided rope rug or a wooden rocking chair with a handmade quilt draped over it.

Another design style much like country decor is shabby chic. Shabby chic gives that comfortable, worn, old, vintage look. A country shabby chic theme could work well with county accessories that have an antique worn look.

It's whatever your personal taste is, whether you prefer the traditional ranch style western home decor or the comfortable coziness of country home decor for your home decorating. You can be assured that you will have plenty of accessories to choose from that have the charm and …

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Enjoy Mild June Days While Planting & Pruning in the Garden

Longer daylight hours and typically cool June weather means this month is the ideal time to plant, prune and make changes in the yard.

Plant Perennials for Summer Flowers: Pick up several of these easy-care perennials are at your local nursery and plant them in June: Spanish lavender, Echinacea, salvia, yarrow and California native iris. All love summer heat and full sun and once planted, they'll continue to bloom through most of fall.

Annuals Add Summer Color Too: Some flowers only bloom in summer and then they're gone for the year. For great splashes of summer color, add these plants to your garden: wax begonias, zinnias, nasturtiums, petunias, marigolds and snapdragons. Because they are temporary, all require little or no maintenance.

Add Succulents To Your Landscape: Succulents provide an interesting contrast to typical garden plants and shrubs. True to their desert origin, they require little watering. Easy-to-care-for succulents include jade plants, blue senecio and agave and aloe varieties. Don't forget colorful and interestingly shaped cactus.

Start A Container Garden: For those without a lot of space for an in-ground flower garden, container gardens provide a beautiful alternative. Start with a well-draining large pot and the right soil. The larger the pot, the less chance your plants will dry out. Place a coffee filter under the drain hole so only water, not soil, runs out. Use an organic potting soil mix especially designed for containers. Just about any flower will work well in a container. Choose flowers based on how much sunlight the container location will receive.

Revamp Your Landscape: While the weather is still mild, now is the time to remove poor performing plants or shrubs. Consider reducing or removing your lawn. Replace your current landscape with native, drought-tolerant plants and ornamental rocks. There are plenty of do-it-your-self plans and design ideas available online.

Check Your Irrigation System: Since you will be watering more in the coming months, check your irrigation system for any line breaks. A drip irrigation system makes the best use of water since water is applied slowly allowing it to reach deep into even the most densely packed soil. A drip system is also more efficient than an overhead spray system because there is no evaporation or runoff.

Protect Fruit From Birds: If birds feast on the fruit in your trees, place bird netting on the top of trees or add brightly colored streamers in the branches to keep the birds away.

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Merge Style & Function in Bathroom Vanities

In many ways, bathroom vanities are centerpieces. Stylish sinks and countertops draw attention; they feel inviting, reminiscent of time spent at a spa or luxury hotel. Beauty is important, but beauty alone isn't enough. A vanity needs to be practical, too.

Study the Space

Whether remodeling a bathroom or choosing fixtures for a new home, a careful study of the given space is important. A vanity that takes up too much space impairs the flow and functionality of the room, but one that's too small may feel insignificant and prove impractical. Shoppers should find a unit that fits in the allotted space without taking over the room, while still serving as an attractive, useful centerpiece.

Consider the Plumbing

Homeowners may fall in love with a few bathroom vanities only to discover that they're incompatible with the existing plumbing. This may or may not be a roadblock, depending on the budget and how much work someone wants to put into the remodeling job. It is possible to rearrange pipes to accommodate the vanity's sink and storage areas. Buyers need to decide if this is something they're willing to do or hire out.

Figure Out What's Most Important

When looking at a range of vanities, homeowners should decide what's most important. Does there need to be additional storage? Deep drawers and under-the-sink storage can help utilize space. Also, units with above-the-sink cabinets can provide great space-saving utility.

Each sink should have the right width and depth for people to be able to wash their hands conveniently. The material that the sink is made from is another important consideration. Some materials, like tile, are easier to clean than others.

There are mirrors and accessories to consider as well. How do these fit in the overall aesthetic? A mirror may sit above a vanity, or it may wrap around it. The location of lights, towel bars, and additional shelves or cabinets can affect the selection.

Many Styles to Choose From

From traditional to contemporary, bathroom vanities can meet virtually any desired look. Regardless of the budget or the size of the space, homeowners can create a comfortable, attractive space in the color scheme and particular desired look. It's all about choices.

Countertops can be made of stone, wood, acrylic, concrete, laminate, tile, or other materials. They come in various colors and textures to create different moods. Drawers and cabinets can be straight or curved and are made from a variety of woods or laminates. Sinks can sit above or below the counter. They can be oval or rectangular, and they can be made of porcelain, copper, glass, stone, stainless steel, or composites.

With so many choices available, it's a good idea to start a search early. Many homeowners start with the vanity and then build the rest of the bathroom around it. The chosen vanity can inspire the room's design and décor. It's a great piece to start with when remodeling or building a bathroom that everyone will like.

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Holiday Decor: Spend Less & Enjoy More

Have you noticed that retailers start displaying their holiday decorations and merchandise earlier and earlier each year? Some people welcome the early holiday cheer, while others like myself; feel there is too much Christmas to soon. A scientific poll of 1,000 American adults, 73 percent agree with the statement that "it is annoying that the holiday shopping season has gotten earlier." Forty-eight percent strongly agree. Just 21 percent disagreed. But, if you are a gung ho ho shopper and into the themed holiday decorating then this time of year is definitely your best bet for great deals on all things "holiday".

What To Buy and When

Remember when the best deals came after the holiday? Obviously this is still true for items like Christmas cards and holiday wrapping paper. But now, retailers are introducing their holiday discounts early to ensure their stock is sold out by Christmas and, you don't have to wait and purchase after the holidays only to pack them away for the next 11 months before you can use them.

Reduce, Reuse and Recycle

The holiday season with its purchasing, wrapping and celebrating substantially increases the amount of waste we generate. However, there are many opportunities for the consumer to reduce, reuse and recycle their remnants of holiday cheer.

Before you buy anything new, take stock of what you already have, what you can still use and discard the rest. Social media sites such as Pinterest can give you great ideas on how to repurpose your current decorations.

Save your holiday decorations for reuse next year. Donate your old decorations to local schools, churches or other non-profit organizations.

Don't shy away from Do It Yourself holiday faire. YouTube videos are all you need to execute professional-looking centerpieces, bows, table décor, etc. Use natural ornaments such as pinecones, shells, dried flowers or berries to transform your old ornaments and adorn your home or office with refurbished centerpieces and wreaths.

What are the new trends in holiday decor?

One of the hottest trends in holiday decorations is black and white. Not only is black and white timeless, it is also the perfect backdrop to add any color, especially red and green. Use black and white and highlight your Christmas wreath, your table runner or your Christmas tree. Everything will look classic and elegant with a touch of black and white.

LED lights are overtaking incandescent bulbs on trees and homes. Remember, if you decide to upgrade your lights, LED also come in a bluish and yellow white.

How about using a winter theme instead of traditional Christmas decorations. If you use this more generic theme you can leave your decorations up much longer without your neighbors wondering why Santa is still on your roof in Feb.

Lastly, instead of scattering small decorations throughout your home why not decorate one or two areas of your home with larger pieces. Your fireplace mantel and your entryway can be used to show off your personal style.

Where to Shop for Holiday Décor …

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