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The Truth About Connecticut Home Owner Insurance Quote

The Truth About Connecticut Home Owner Insurance Quote

Montgomery Legacy
Source: Flickr


As you are shopping for your new Connecticut home, keep your Connecticut home owner insurance quote in mind.
It is not impossible to save money on your home owner insurance policy if you have already purchased a home, or have lived in your home for several years, but it is easier to save money if you evaluate the pros and cons of the homes you consider in regards to your home owner insurance quote.

The location of your home is important when it comes to your Connecticut home owner insurance quote. If your home is near a fire hydrant, a fire department, and a police station, you may be able to get a better home owner insurance rate. Some home owner insurance companies in Connecticut prefer professional fire departments over volunteer fire departments; however, any fire department is better than none.

Find out how old each home’s electrical, plumbing, heating, and cooling systems are. If they are under ten years old, you may be able to get a cheaper Connecticut home owner insurance quote. If they are older than ten years, replacing them may be necessary which will cost you extra money in addition to the price of the home.

Connecticut is an East Coast state, and many home owner insurance companies give more affordable rates to policyholders in the East who own brick homes over other building materials. Brick homes are more resistant to high winds and storms – two weather conditions very common to the East. If you have a brick home, not only is the structure of your home able to stand up against the elements better, but your home’s contents are better protected as well. Home owner insurance companies love additional home protection – it means you put them at a low risk to insure.

Safety precautions can be taken after you purchase your home, but keeping precautions in mind as you shop helps you save money upfront.

Residential Flooring Choices

Residential Flooring Choices


Summary: Choosing residential flooring isn’t that hard, it’s a matter of choice and a good sense of style.

With the number of choices available, it would be as you would expect daunting. Residential flooring choices are just too many, stone flooring, brick flooring, hardwood, or even the cool and green natural cork tile flooring. One small gaffe and your going to live with that choice for the rest of your damned life, err… at least until you can get hold of another budget for remodeling.

Choosing residential flooring isn’t that hard. It’s a matter of choice plus a good sense of style, plus keeping in mind the properties you want to have or inherently have. Residential flooring has the choices of: carpet, wood, stone, and brick. Others fall into any category stated. Here are some suggested pointers for residential flooring.

Ecological Enthusiast

Are you a practitioner of Zen? Are a Tai Chi material? Then having an environmental themed residential flooring can bring you more good. I even find those Japanese homes very neat, very relaxing. Speaking of which, why not remodel it the Ecological Enthusiast’s way. Hardwood residential flooring is a way to start. These types of residential floorings are prized since they afford the easiest cleaning, but alert maintaining that is still easy. The surface of hardwood are non porous and they also don’t attract dirt. Grit and dust just skim over the surface, making vacuuming and cleaning uncomplicated. Besides, hardwoods are among the most beautiful floors.

Another fine choice is the natural cork floor. They offer plenty of benefits. Cork are water resistant. Even if placed in areas prone to much condensation and wet, they still make excellent floors; a good choice for bathrooms and wash area. Corks also have the inherent buoyancy, making it an outstanding material to cushion falls and tenderfoots. Putting it in nurseries and playrooms can really use the benefit of cork. And they are also surprisingly hypoallergenic, another reason why they are excellent for children’s room flooring.

Architectural Revival

Manors and villas are eternally enchanting. They speak of permanence, of being there for some time, witnessing the passage. That’s what brick flooring gives. Romanesque, Baroque, Victorian, and Gregorian, homes with architectural revival design complement well on brick residential flooring, another material that exudes timelessness. In fact the more aged the brick gets, the expensive they become. Bricks salvaged from old structures and then resold are quite lucrative businesses. Suffice to say, aged bricks are worth more than new ones.

Brick residential floorings are frequent in places on Europe. Especially on wine and country estates, where well endowed private villas abound, you can see especially timeless homes.

What’s Your Style? A Guide to America’s Most Common Home Styles

What’s Your Style? A Guide to America’s Most Common Home Styles

Styles of houses vary across the country. From the New England Cape Cod to the Victorians of San Francisco, the choices are almost endless. Knowing which style you prefer is one of the basic elements in your hunt for the perfect home.
Following is a quick guide to help you recognize and use the professional terms for many of the most prevalent house styles:
Ranch: these long, low houses rank among the most popular types in the country. The ranch, which developed from early homes in the West and Southwest, is one-story with a low pitched room. The raised ranch, which is also common is the U.S.. has two levels, each accessible from the home’s entry foyer, which features staircases to both upper and lower levels.
Cape Cod: this compact story-and-a-half house is small and symmetrical with a central entrance and a step, gable roof. Brick, wood or aluminum siding are the materials most commonly seen.
Georgian: Popular in New England, the Georgian has a very formal appearance with tow or three stories and classic lines. Usually built of red brick, the rectangular house has thin columns alongside the entry, and multi-paned windows above the door and throughout the house. Two large chimneys rise high above the roof at each end.
Tudor: modeled after the English country cottage. Tudor styling features trademark dark-wood timbering set against light-colored stucco that highlights the top half of the house and frames the numerous windows. The bottom half of the house is often made of brick.
Queen Anne/Victorian: Developed from styles originated in Great Britain, these homes are usually two-story frame with large rooms, high ceilings and porches along the front and sometimes sides of the house. Peaked roofs and ornamental wood trim, many times referred to as “gingerbread,” decorate these elaborate homes.
Pueblo/Santa Fe Style – Popular in the Southwest, these homes are either frame or adobe brick with a stucco exterior. The flat rood has protruding, rounded beams called vigas. One or two story, the homes feature covered/enclosed patios and an abundance of tile.
Dutch Colonial – the Dutch Colonial has two or tow-and-one-half stories covered by a gambrel roof (having two lopes on each side, with the lower slope steeper than the upper, flatter slope) and eaves that flare outward.
This style is traditionally make of brick or shingles.
New England Colonial – This two-and-one-half story early American style is box like with a gable roof. The traditional material is narrow clapboard siding and a shingle roof. The small-pane, double-hung windows usually have working wood shutters.
Southern Colonial –this large, two-to-three-story frame house is world famous for its large front columns and wide porches.
Split-levels: Split-level houses have one living level about half a floor above the other living level. When this type of home is built on three different levels, it is called a tri-level.
These are just a few of the many styles of homes available across the country – some are more prominent in different areas than others. Knowing home style terms will help you zero in on the type of house that will fill your needs and suit your taste.

Home Improvement Crisis Looming

Home Improvement Crisis Looming

In recent years, it seemed that you just couldn’t go wrong when improving your home. No matter what renovations were undertaken, or how much was spent, the property ended up being worth more than the original cost plus the cost of improvements.
In fact, many people have been making a living from flipping houses – buying a property, doing a quick make-over, and on-selling for a profit.
On paper, just about every renovation has seemed to be profitable. And yet the reality is that many home improvements are a financial disaster without people realising it. How can this be?
The answer lies in the steadily improving market prices of most properties, particularly those in sought-after areas such as California USA and Queensland Australia.
A rising market will tend to hide poor home improvement decisions.
Let’s take an example. Imagine a house bought in 2004 for $400,000. During 2005, $60,000 is spent on improvements, and in early 2006 the property is sold for $500,000. Leaving aside the transaction and holding costs for simplicity, that’s a profit of $40,000 on the renovations, right?
Maybe. Maybe not. You see, what you have to take into account is what that property would be worth in 2006 if no improvements had been done. Let’s say the general market growth had taken the value of that unimproved property to $450,000 during the 2004-2006 period. This represents a profit of $50,000, $10,000 more than the profit achieved through the home improvements being done.
By doing the improvements, the home owners needed $60,000 to fund the renovation costs, as well as all the time required to supervise the renovations and/or do some of the work. And they would have made more money by doing absolutely nothing!
You might be thinking, “Well, it doesn’t matter really, because the property is still able to be sold at a profit”, and to an extent you are right. The problem occurs when the market stops growing, and the market flattens out.
During 2005, thousands of property renovators on the east coast of Australia were caught out in exactly this way, when the property market in major cities went decidedly flat after a strong boom period ended in 2004. Because the market had stopped going up, many renovators who tried to sell their properties found that the market price of the property was less than the original cost plus the home improvement costs.
Those renovators who did not actually have to sell, had the option to wait for future increases in the overall market to lift the price of their property enough to cover their costs. But those who had to sell after carrying out unwise home improvements found that they were facing losses, in some cases very substantial losses.
The flow-on effect for the Australian market has been that there are few property investors around now, and expenditure on home improvement products is sliding.
The property market in the US is still quite buoyant, but there are many signs that the market’s bull run is coming to an end. This is a time for home improvers to be cautious.
It is still possible to undertake profitable home improvements, but renovators need to follow strict guidelines and be very disciplined in their approach. Home improvements need to make financial sense whether the market is going up or not. After all, no-one wants to be caught once the music stops.

Get the best contractors for all your home

Get the best contractors for all your home

It is a major decision to whether to undertake home renovations in your present home or buy or move to a new home altogether. The final decision would be made on a number of factors. You should consider all the options before making any kind of decision. If you have decided to go in for major homerenovations, then, you should definitely consult a design consultant who will work in tandem to decide what is best in your particular situation.

Before you start major home renovations you could seek the advice of an occupational therapist (OT) on the functional needs. The first point to consider would be your home renovations potential. Do the architectural and design layout of your existing home allow for the kind of home renovation you have in mind?
Secondly, your home renovation could also indirectly depend upon your quality of neighbors as if you have good neighbors you may not shift out but go on with your home renovation. Thirdly, if you are undertaking major home renovation, you should keep in mind whether the property rates in your area are in keeping with the increase in value of your property. Fourthly, relocating while home renovation are going on may prove to be a difficult times both emotionally and in terms of cost. Children may find it difficult during times of home renovations to leave school and friends and join elsewhere.

So whenever you wish to undertake home renovation. We offer a wide network of trained, insured, bonded and licensed contractors who are experts in all kinds of remodeling projects.

Brick Flooring

Brick Flooring

Summary: If brick flooring is also your fancy, you’ve come to the right page. Just read on for interesting information about brick flooring fancy.

Brick flooring has long been the dream of most homeowners in modern world homeowners like Gretchen Breuer. She had longed for those archetypal brick Romanesque or even Baroque styles that feature heavily on brick and terra cotta. These gorgeous homes, though recently fading away, are having a slow comeback on remote villas and country establishments that harmonize the setting.

Truly, brick homes are just gorgeous. They tie together with landscapes and lawns. They remain cool even in the harshest sunlight and no other can give the same cozy feel brick fireplaces can give. And the older the bricks get the more superior appeal they have.

Brick floorings are just as gorgeous. Modern homes have opted to go for brick flooring for foyers and anterooms. They make excellent footpaths for gardens. And they really make lovely living room flooring especially if coupled with brick fireplaces and walls. A very country manor feel.

If brick flooring is also your fancy, you’ve come to the right page. Here’s a list of those dealers that offer interesting deals for any brick flooring fancy.

Brick Floor Tile Inc.
www.brick-floor-tile.com
Call: (319) 351 9733

An undisputed leader in brick flooring, Brick Floor Tile Inc. offers Authentic Brick Flooring in ½” or 15/16” in thickness. The brick flooring offered at Brick Floor Tile Inc. are unrivaled for its perfect blend of durability and quality. And it is genuinely manufactured too, the colors of their brick run throughout its mass that it remains the same even when worn.

Brick Floor Tile Inc.
www.brick-floor-tile.com

Brick Floor Tile Inc. showcases their pride, the Old Chicago Brick Flooring. These brick tiles are salvaged from old buildings in Chicago, buildings that date a century ago. Now after withstanding the ravages of time, these now immaculately fermented bricks give a unique warm feel with ranges of colors; from beautiful buffs, to oranges and pinks, and even blacks.

Another noteworthy product of Brick Floor Tile Inc. is the Thin Brick Veneer that is perfect for interior and exterior wall coverings. Formed from shale and clay then kiln fired, is available in a extensive range of shades and colors, making the Veneer compatible for color coordinating and contrasting attempts of design.

Port Stone Paver System
www.portstone.com
Call: 601-922-0902

When Port Stone Paver System stated that “A brick floor…” “has a sense of permanence to it, like it’s been there quite a while”, hardly no one could disagree. Portstone’s brick flooring has the authentic rustic feel and an aged quality that is most treasured in brick tiles. Chip-off, cracked, and irregular shaped to make them look and feel like real aged brick flooring.

Tips To Greater Value With Your Home Owner’s Insurance

The Brick Turret
Source: Flickr

As lots of people end up finding out in any flood-stricken area , having a good insurance policy covering their house was a great idea. After the flood waters tore up most of the property, homeowners had some recourse and now many of them are back in new homes courtesy of the insurance companies. Here are some tips to help you find solid insurance for your home.

Water seepage damage, even if it’s not from a flood, is not typically covered in your home owner’s insurance. If you are worried about a situation such as this then you’ll need to call your insurance company and ask them to add coverage for it to your policy. This will cost you more but give you peace of mind.

When moving, check your home owner’s policy to find out what the policy covers as it pertains to your move. Does it cover your belongings while they are in transit to your new home? You may need to buy additional insurance through your moving company or shipper. Don’t forget to update your home owner’s and auto insurance addresses. Your new address and home features might actually decrease your rates.

Know how much homeowner’s insurance you need. It is estimated that many homeowners are under-insured. Make sure the replacement value on your house would be enough to rebuild your house today, from the ground up. This value can differ greatly from the market value which is listed on your insurance policy.

Update your insurance policy if you make any structural changes or renovations to your home. If you have done any improvements that will increase the value of your home, you should let the insurance company know so they can update your policy to reflect the current value of your home.

Take some time to understand what your deductibles are for your homeowners policy. If a major event happens to your home you could be out a lot of money before the policy takes affect. So whenever possible and if your budget allows it, get your deductibles as low as possible.

Consider your insurance premiums when you add improvements to your existing home. In most cases wood structures are more expensive to insure as they are extremely flammable. Consider additions using concrete, brick or steel frames as their insurance premium is significantly lower. Other potentially dangerous improvements, such as swimming pools can increase your premiums significantly.

If you run a home-based business, you should ask your insurance company if your equipment is covered. Typically, it will only be covered for $2,500, which may not be enough for items like computers or tools. You can add additional coverage, specific to a small home business, for a small increase to your premium.

As with the people all around the country, you also need a great insurance policy on your home to protect you against flood damage and other disasters that happen without warning. Follow the tips listed in this article to find the best coverage for the best price.

Need a fix for domestic bliss

Need a fix for domestic bliss

With so many period renovations potentially ending in disaster, Tsarine, is a new company specialising in researching fixtures and fittings for period renovations is set to revolutionise the property market.
Trying to marry modern lifestyles with period properties is no easy matter as many home owners are finding to their cost. Homeowners pushed for time might easily miss some fundamental considerations which at best will take them over budget and at worse affect the long term value of their property.
In the UK homes are everything. Homeowners pushed for time no longer need to wait for their dream home. We analyse the technical information and track down the unusual so our clients don’t have to. It’s their project but we help them realise it faster.
Many professionals buy a period property to turn into a dream home. Homeowners are looking for usability and flexibility of modern systems while retaining a period feel. This is time consuming. We present people with the options, resources and materials so that they can make informed choices. Not only does this save time but professional advice can save homeowners from making expensive design mistakes which can be irreversible.
The five biggest renovating mistakes of self renovators are:
1. Underestimating the time and effort necessary. Time is money. Homeowners need to weigh up long term investments against short term savings.
2. Not seeking professional advice. Buildings inspectors offer invaluable advice, a full surveyors report will identify any potential issues. The local preservation society could have some useful contacts (some areas have restrictions on the type of building materials that can be used – this can increase costs). Protecting and restoring existing features correctly is important to the buildings long term maintenance.
3. No vision of the end result. Think the dream at the beginning; it’s important to get the infrastructure in place for wiring and pipe work, for example. Think outside the box, and then start the planning this will ensure the objectives are clear and the budget is fixed. This will improve relationships with traders and avoid any ‘add on costs’.
4. Ignoring formal procedure. Ensure planning is sought from the outset. Building regulations and any local restrictions for the area need to be identified, especially any limiting factors e.g. type of brick.
5. Failure to set a realistic budget. A considerable amount of time and effort is necessary to be able to manage the project budget and all areas have to be explored to achieve this. One simple means is the need to negotiate appropriate discounts with local suppliers and merchants, based on the scale of business they can expect.
For more information visit www.tsarine.co.uk.

Siding With Your Neighbors

Siding With Your Neighbors

Montgomery Legacy
Source: Flickr

House siding is a very important decision to be made when building a new home or reconditioning an older home. Very careful consideration should be taken when choosing the right siding for your home. There are many types of siding available to the home owner today. Products range from vinyl siding, aluminum siding, cedar siding, stone siding, log siding, brick siding, and stucco siding just to mention a few. Many factors need to be considered before choosing the right siding for your home.

The style of your home is of course a major factor on choosing a proper siding. You certainly would not want to apply log siding to a Victorian home, or cedar siding to a Mediterranean style home. Do some research on your style of home to see what type of siding best suits your needs.

Hopefully your home is compatible with other homes in the neighborhood. So you will want to choose a siding that blends with the rest of the homes in your neighborhood. You will find that making friends will be easier if you are not a distraction or a detriment to property values. In other words, a pink and purple house may not be welcomed in some neighborhoods. Try to enhance the entire neighborhood with your choice of siding.

Now personal preference should also be considered, but that should have started with choosing the type of home that you purchased in the first place. Another huge factor is one’s budget. Perhaps brick siding is not within your budget, but vinyl siding is. Then choose a vinyl siding that will blend well with the neighboring homes. If you so wish to attempt the project yourself to save installation expenses, there are books available on how to install vinyl siding. If that is not an option, then a reputable siding contractor is the way to go.

Many historical neighborhoods have zoning committees that have to approve any home building or home renovations. If your home is in such a neighborhood, then you should consult with the committee first before proceeding with any selection of your own.

If there are no zoning regulations in the neighborhood regulating the color of your home or the type of siding allowed, it still may be a good idea to consult with your neighbors. This will not only be a good way to make friends, but they may have some very good ideas that you never considered. Just remember, you are going to be a part of the neighborhood and are going to be living with these people.