Posted by Amanda Bruen on 6/19/2018

Home insurance is something that every homeowner needs, but not necessarily something that everyone understands. It’s a great idea to have homeowner’s insurance because it protects your home and all of your possessions. Yet, this insurance is in fact a requirement. Mortgage companies require borrowers to have this protection when they buy a home. You’ll need protection for the amount of what is deemed the “fair value” of your home. This fair value is usually based on the price of purchase. Some renters are even required to have insurance for their property. As stated above, this type of protection is a smart idea. 


What A Home Insurance Policy Covers


The terms of home insurance can be very confusing. Most policies will cover damage to the outside of your home. This will include vandalism, fire, lightning, hurricanes, or down trees that may hit the home. The insurance company will estimate the amount of damage and provide you with funds so that the damage can be repaired. In extreme cases, your home may need to be completely rebuilt. Home insurance does not typically cover floods, earthquakes and home maintenance issues. You may need separate policies or extended policies to get these items covered based on where you live. The interior of your home is covered by home insurance as well. This includes clothing, appliances, furniture and electronics if they are destroyed by something that affects your home. 


Off-Premises Coverage


Some home insurance policies have coverage that includes items that belong to you, no matter where you are when something happens. If you lose jewelry on a trip to Europe, for example, you can get a homeowner’s policy that will cover that. This type of coverage does have strict limits, however, so don’t expect your insurance company to give you 100% of the value of your gold necklace that you lost in Paris! This type of coverage is great for items like engagement rings. 


Liability


Your homeowner’s insurance also includes a liability clause. This includes injuries that occur on your property that have been caused by you or your family. This will even include any problems caused by pets in the home. Beware that insurance companies can limit this type of coverage based on the type of dog breed that you own. Insurance companies may even decline to cover you based on the type of dog you own. If a dog bite does occur on your property and you have a breed that works within the insurance company’s limits, you’ll be covered. If anyone is hurt on your property and files a lawsuit, you’re protected.     

 

Rates


Your insurance rates will be determined by many factors including the neighborhood, crime rates and the climate of the area. Before you choose a place to live, you may want to investigate the insurance costs before you settle on a place to buy.





Posted by Amanda Bruen on 6/12/2018

Adding your residence to the housing market can be tricky. And for those who are unprepared for the potential pitfalls of the real estate market, it may be difficult to get the best results from the home selling journey.

Fortunately, we're here to teach you about the housing market so you can understand what it takes to optimize the value of your home.

To better understand the ins and outs of the real estate market, let's take a look at three common misconceptions that are frequently associated with selling a house.

1. Your home has increased in value since you initially purchased it.

What you paid for your house a few years ago is unlikely to match what it is worth today. As such, it is important for a home seller to understand the current state of the real estate so he or she can price a residence accordingly.

A home seller should look at the prices of comparable residences before adding his or her home to the housing market. By doing so, this home seller can see how his or her residence stacks up against the competition and price it based on the current housing market's conditions.

Also, a home seller should complete a property appraisal. This evaluation allows a home seller to receive expert insights into a house's pros and cons. Plus, a home appraisal ensures a property seller can prioritize myriad home improvement projects to help boost a house's value.

2. You should have no trouble stirring up plenty of interest in your house.

Although a home seller enjoys his or her residence, there is no guarantee that homebuyers will feel the same way. Therefore, a home seller should allocate the necessary time and resources to enhance a property's appearance both inside and out.

Completing simple home exterior improvement projects like mowing the front lawn and clearing dirt and debris from the walkways can make a world of difference in homebuyers' eyes. These home exterior improvements will help you bolster your house's curb appeal and boosts your residence's chances of making a positive first impression on homebuyers.

In addition, don't forget to declutter your residence's interior as much as possible. This will make it easy for homebuyers to imagine what life may be like if they purchase your home.

3. You don't need support from a real estate agent.

When it comes to selling your residence, it is always better to err on the side of caution. With a real estate agent at your side, you may be able to accelerate the home selling process and improve your chances of maximizing the value of your house.

A real estate agent will help you manage challenges throughout the home selling process. He or she will show you how to list your residence and promote it to the right groups of homebuyers, along with provide comprehensive responses to your home selling questions.

Employ a real estate agent to guide you along the home selling process – you'll be happy you did. A real estate agent will do everything possible to ensure you can sell your residence quickly and effortlessly.




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Posted by Amanda Bruen on 6/6/2018

MOVE IN READY!!!! This wonderful town home has just been updated and remodeled with new flooring, updated kitchen and interior paint throughout!!! This is your opportunity to OWN a spacious unit in a great location close to all area amenities and highway access. First floor offers living room with beautiful hardwood floors, half bath and eat-in-kitchen with walkout to newly painted deck overlooking wooded and private backyard. Second floor offers 2 large bedrooms and full bath. Third level walk up attic with skylight, and finished basement for additional living space for another bedroom, office or bonus room. NO CONDO FEES!!! Make an appointment to view today.

More Info on this Property | New Listing Alerts





Posted by Amanda Bruen on 6/5/2018

Getting ready to buy a home is one of the most exciting times in life. The purchase of a home is one of the biggest financial decisions that you will ever make in your lifetime. When you make the decision to buy a home. There are a few key things that you need to do to be prepared for the process of a property purchase. It can be simple if you have the right preparation and knowledge.


Find The Right Realtor


A good realtor will steer you in the right direction when it comes to finding the home of your dreams. Your real estate agent also will help you each step of the way on the road to buying that home. There’s a lot of paperwork that must be done in a timely manner throughout the buying process. The right realtor can even help you to get the offer in for the right home in on time. In a competitive market, having a realtor who is on top of things can mean the difference between purchasing the home you want and letting it fall through the cracks.


Know That You’re Signing A Lot Of Legal Paperwork


The purchase of a home does involve a contract. If you need more time for anything such as reviewing your home inspection or waving certain contingencies, you’ll need to state that. Every piece of the transaction is important and needs to be formally processed when it comes to purchasing a home. Your realtor will be there to help you through all of these complicated processes. 


Think Of The Future


When you’re choosing a home, you’re not just buying for your life as it stands right now. Are you hoping to have a big family? Do you need a home office? How much entertaining are you planning on doing? All of these things are important when it comes to the type of home that you’ll buy. If you don’t plan for the future, you’ll outgrow the home that you’re in quite quickly. 


Look For Potential


See what potential the homes that you’re looking at have for you. Some homes may have major cosmetic issues that can easily be fixed. Perhaps The walls just need some fresh coast of paint. Maybe the deck needs to be stained. If you go into the house search with an open mind, it will be a lot easier for you to find the right home. You don’t need a home that is absolutely move-in-ready unless of course, you’re building a brand new home from scratch.


Know Your Finances


One of the most important things about buying a home is knowing your finances. Don’t buy a home that you can‘t afford. From looking at your own budget to getting pre-approved, you’ll be able to have a better understanding of your own financial situation and how much house you can afford.




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Posted by Amanda Bruen on 5/29/2018

Most homeowners can get by just fine without a backyard shed, so it might be a stretch to call it a "necessity". However, when your yard does not have a shed, you may be missing out on many advantages ranging from convenience to being more organized and efficient. There's also a lot to be said for being able to store, protect, and quickly find the right tools, gardening supplies, or pool chemicals when and where you need them.

If you're a serious gardener, swimming pool owner, or do-it-yourself landscaper, a backyard shed can make your life a lot easier and your maintenance work less of a chore. Since a small shed can run you as little as $300, affordability is usually not an issue—especially when you factor in the long-term benefits.

Whether you decide to build your own shed, hire a carpenter to do it, or buy a prefabricated one, it's an expense that's not difficult to justify. Here are a few of the many ways that a shed can serve your needs for years to come:

  • Reduces clutter in your basement and garage: As all homeowners know, it doesn't take long for basements and garages to get cluttered and disorganized. By designating a separate space for things like tools, small machinery, gardening supplies, and pool chemicals, you'll make it a lot easier to maintain order in your home (and other storage areas).
  • Good solution for storing riding mowers: The typical garage gets filled up pretty quickly with two vehicles, several bicycles, trash barrels, barbeque grills, golf clubs, tires, and other miscellaneous items. Squeezing in a riding mower among all those other things can be difficult, if not impossible! The solution: A large-enough shed with a sturdy ramp for driving your rider mower in and out.
  • Protecting tools from the elements: Metal tools sometimes get left outside when there's not a convenient place to store them, and moisture can wreak havoc on their condition and usability. By having a dry, protected place to store your gardening and landscaping tools, they'll last longer and provide more long-term value for you.
  • Other uses for a shed: Depending on the size of the shed and your family's needs, that extra space can be used for everything from firewood storage to woodworking projects, painting, and other activities. If you own a swimming pool, a nearby shed can be a convenient and relatively safe place to store sanitizing chemicals, pool maintenance equipment, inflatable toys, ladders, and pool games.
Although most people use sheds for storing tools, yard supplies, and equipment, a decent-sized shed can also be used as an art studio, a home office, an exercise area, or a game room. As the expression goes: The possibilities are limited only by your imagination (and your budget)!




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