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Home Insurance: 7 Tips Every Homeowner Should Know

Home Insurance: 7 Tips Every Homeowner Should Know

Home insurance policies can become complicated, so it is in every owner’s best interest to brush up on some key information before diving in.

Here are some tips for homeowners looking for coverage and ways to make the process as stress-free as possible.

Knowing you are covered is priceless.

Having a piece of mind is valuable, so sleep better at night knowing you are covered rather than worrying about breaking the bank. According to the Insurance Information Institute, there are 4 basic kinds of coverage:

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  1. Coverage for the structure of your home
  2. Coverage for your personal belongings
  3. Liability protection
  4. Additional living expenses if you are temporarily unable to live in your home because of an insured disaster.

The truth is, most people will never have a use for the majority of the coverage they acquire. But in the event of a natural disaster, emergency repair or any other pitfall that could occur it is worth the extra money to know that you are covered.

Purchasing auto and home insurance from the same company can save money.

In some cases, insurance companies will offer a discount on either home or auto insurance if you buy both from the same place. For example, Progressive offers a potential 8% discount on auto insurance if a property policy is added. This can become tricky, so be sure to crunch the numbers and make sure it will be less expensive to do both rather than purchasing separate policies from different companies.

Research insurance companies and premiums.

Insurance companies will determine the premium of your policy based on several factors. You can get a ballpark figure of what it might cost by simply entering your information at the website of any number of insurance companies. For example, Chill.ie Home Insurance provides fast quotes without even having to speak to an agent.

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Anything that puts your home at a higher risk of damage will affect how high the coverage premium is set. Do some research and find out what insurance company could potentially save you the most money. The National Association of Insurance Commissioners has tons of information on their website as well as recommendations for insurance companies within your region.

Secure the home as much as possible

It’s any homeowners’ nightmare to imagine something happening to the home when no one is there. Improve the security as much as possible, but keep in mind that effective alarms and monitoring systems can be expensive. But the good thing is some insurance companies will offer discounts for things like burglar alarms and smoke detectors. So, you can essentially save money while simultaneously protecting your home.

Know how much your possessions are worth

There is also coverage for things inside of the home. Keep an itemized list of all of your possessions because it is important when trying to recoup expenses. There are even online inventories that can assist with keeping things organized. According to Bankrate, the average household can have anywhere from $10,000-$30,000 worth of valuables. That sounds like a lot, but when you really break it down piece by piece the numbers make sense.

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Attach dollar amounts to every single thing you own and a clearer picture will start to develop. Also, remember to make several copies of the list and receipts and keep them in a safe place. Either store them digitally or keep them someplace away from any possible hazard involved with the home, as damage/loss will render them useless.

Purchase earthquake and flood insurance

If you live in an area that could potentially be affected by a flood or earthquake it is a good idea to get some extra coverage. Standard policies cover fire, hurricanes, lightning, hail and many other disasters but not floods or earthquakes. Know the history of your region to be sure you are not at risk.

Less is not always more

It can be tempting to simply go with the insurance company that charges you the least amount of money. That is not always a wise decision because the service and support they provide are also very important. Ask questions about the company’s reputation. Find out their track record with satisfied customers. Weigh those things and try to find one that provides the right balance of cost efficiency and quality service.

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Featured photo credit: ybimmobilier via ybimmobilier.com

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Last Updated on October 18, 2018

10 Benefits of Sleeping Naked You Probably Didn’t Know

10 Benefits of Sleeping Naked You Probably Didn’t Know

Sleeping is one of the most important things we do every night.

Getting the right amount of sleep has an untold number of health benefits and not getting enough sleep is a serious problem in many countries around the world.

So you should have heard of the many benefits of getting adequate sleep, but did you know that you can get additional benefits by sleeping naked?

Here are some benefits of sleeping in the nude:

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Video Summary

1. It is easier.

When you don’t have to worry about sleeping in clothes, things start to get easier. You don’t have to buy pajamas, which can save you money. You have less clothes to wash and less clothes to put away. You may have to clean your bed sheets more often, but not nearly as often as you’d have to wash your pajamas when you run out.

2. It forces you to be ready to go more often.

Some people get off of work, change into their pajamas, and use this as an excuse to stay home the rest of the evening. This can lead to a more sedentary lifestyle, which has been attributed to things like weight gain.[1] When you keep your regular clothes on, you tend to go out more often and that’s a good thing.

3. It can make you feel happier and more free.

Just imagine the feeling of laying in bed naked. You’re free of your pants and underwear. Women, you’re not wearing a constrictive bra. It’s just you sandwiched between two cool sheets. The feeling just makes you want to smile and it makes you feel more free. Everyone can use that kind of good feeling every now and then, and it may even help you be happier as a person.

4. Skin-on-skin contact is the best.

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    If you’re married, or living with your significant other, sleeping naked gives a greater chance of skin-on-skin contact, especially when it comes to cuddling. This kind of contact can also lead to a more active sex life. All of this releases copious amounts of oxytocin, which is the neurotransmitter that helps you feel those good feelings about your significant other.[2]

    5. It could lead to better sleep.

    Let’s revisit the scenario I described above. There are no drawstrings or clothes getting tangled in sheets. You don’t have to worry about shirts getting twisted. All of these distractions go away when you sleep naked and it may help you get better, deeper sleep. You don’t need science to tell you that better, deeper sleep only helps you be healthier.

    6. It can help your skin.

    For once your body gets to breathe. Your private parts, armpits, and feet are generally restricted all day and are often covered by multiple layers, even in the summer time. Give those parts a chance to air out and breathe. This can lower the risk of skin diseases, like athlete’s foot, that result from wet, restricted skin.[3]

    7. It helps you regulate your cortisol.

    Cortisol is a very strange chemical in the body but it can do a lot of damage. When you sleep naked, it helps keep your body temperature at the optimal ranges so your body can better create cortisol. If you sleep overheated your cortisol levels tend to stay high, even after you wake up. This can lead to increased anxiety, cravings for bad food, weight gain, and more terrible things.[4] Sleep naked so you can keep your body temperature down and sleep well so your body can properly produce and regulate cortisol.

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    8. It balances your melatonin and growth hormone.

    Continuing along that same vein, keeping your sleeping environment below 70 degrees (F) every night can help your body regulate its melatonin and growth hormone levels. These chemicals help the body do things like prevent aging and are essential to good health. When you sleep in clothes, your body heats up and prevents effective use of these hormones. In other words, sleeping with clothes on makes you grow old faster.

    9. It can keep your sex organs happier.

    For men, the cooler sleeping conditions allows your testes to remain at a cooler temperature. This helps keep your sperm healthy and your reproductive systems functioning as normal. For women, the cooler and more airy sleeping conditions can actually help prevent yeast infections. Yeast grows better in warm, moist conditions.[5] When it’s cooler and dryer, the growth of yeast is prevented.

    10. Sleeping in the summer is more bearable.

      Summertime is a tricky time to get good sleep. If you don’t have air conditioning, then you may find your bedroom a bit stuffy at night.

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      Shedding those bedtime clothes can help the bedroom feel more comfortable. You may even be able to turn the A/C off on those cooler nights, which can save you a few bucks on your electricity bill.

      Don’t wake up drenched in sweat again because your thermostat is downstairs and the hot air expands up to your bedroom where the thermostat can’t read the warm temperatures.

      Sleep well with your naked body!

      With these tips in mind, it’s time to start taking off your clothes at night!

      Of course, there are times where clothes are preferable. If you are ill or it’s cold outside, then you should sleep with clothes on to help you stay warm and prevent further illness. Otherwise, go commando!

      If you’re looking for more tips to sleep well and get up feeling energetic, I recommend you to check out this guide:

      Want to Feel More Energized Throughout the Day? Start With This

      Reference

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