Friday, January 24, 2020 / by Harvey Rosenberg
Home insurance can be a tricky thing. You might think it covers your entire home in case of unforeseen conditions. However, different circumstances may be outside your traditional policy. For example, if you have damage due to a hurricane, you may pay a higher deductible. And if you're home is flooded, the homeowner's insurance may not cover it at all.
Let's talk about these reasons why you might need Flood Insurance in addition to your normal policy.
Standard homeowners insurance policies do not cover floods.
The National Flood Insurance Program, also known as NFIP, allows property owners to purchase affordable protection against flood loss. These policies pay regardless if there is a national disaster declaration in place.
If you live in a "Flood Zone" you may be required by your mortgage to carry flood insurance.
Even if you don't live in a flood zone, flood insurance claims outside that zone account for over 25% of insurance claims.
Florida averages ...
Friday, January 10, 2020 / by Harvey Rosenberg
Here's a quick look at some luxury properties for sale in our area. When you're ready to upgrade, be sure to reach out to us here to view these homes and negotiate on your behalf.
Carrera Drive, The Villages, Florida
This 3 bedroom, 3 bath home has over 3100 square feet. located on the 14th hole of the Tierra Del Sol Championship Golf Course in The Villages Active 55+ Community. The open and airy floor plan is spacious, includes plenty of closet and storage space, yet the feel is comfortable and relaxing. Enjoy the ability to entertain in the formal dining room or have dinner for two in the eat-in kitchen overlooking the pool. The covered back porch is accessible from 3 sets of sliding doors if you want to take in the pool and golf course views. When the sun is too strong just flip a switch and the electronic sunscreen will enclose the covered porch allowing for shade and privacy without eliminating the beautiful views. This home has so many extras such as designer California ...
Friday, January 03, 2020 / by Harvey Rosenberg
If you're selling your home, you'll want the home inspection to go well. A poor grade and you could end up spending more on repairs at the closing table. Follow this simple checklist to prepare for a home inspection.
If the home is empty, leave utilities on. This is wise even beyond the inspection as potential buyers want to turn on lights and try out faucets.
Make sure all electrical sockets work. Either plug something in to test all sockets or hire an electrician to run voltage tests.
Test light fixtures and switches.
Check that ceiling fans work in both directions.
Check that faucets and toilets run properly. Make sure faucets aren't leaking. Check that toilets aren't running excessively.
Replace batteries in smoke and carbon monoxide detectors. Test them to ensure they work.
Clean stove and oven so they don't smoke when tested and set off smoke detectors.
Verify doors and windows open and close. Verify locks don't stick.
Clear any obstructions from water ...
Saturday, December 28, 2019 / by Charlotte Rose
Are you searching for new and innovative gift ideas this holiday season? If so, check out our list of the hottest home technology offerings. We’ve selected a few of our favorites for every room in the house.
These smart systems and devices add comfort, convenience, and a “cool factor” that will delight your friends and family. So think about who you know that loves the latest gadgets … or add a few of these to your own wish list!
Ensure the safety of your loved ones with these smart security upgrades.
Ring, a company best known for its video doorbells, has added smart lights to its series of integrated devices. The Ring Smart Light System includes motion sensors, pathlights, spotlights, and even step lights, which can be turned on and off using voice commands when paired with an Amazon Alexa device. Users may opt to receive a notification when motion is detected on the premises, and& ...
Saturday, December 28, 2019 / by Charlotte Rose
Whether you’re a first-time buyer or a seasoned homeowner, shopping for a new home can feel daunting. In fact, 56% of buyers said that “finding the right property” was the most difficult step in the home buying process.1
Buying a home is a significant commitment of both time and money. And a home purchase has the power to improve both your current quality of life and your future financial security, so the stakes are high.
Follow these five steps—and complete the corresponding worksheet offered below—to assess your priorities, streamline your search, and choose your next home with confidence.
STEP 1: Set Your Goals and Priorities
The first step to finding your ideal home is determining WHY you want to move. Do you need more space? Access to better schools? Less maintenance? Or are you tired of throwing money away on rent when you could be building equity? Pinpointing the reasons why you want to move can help you a ...