Advertising
Advertising

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:

Advertising

  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.

Advertising

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.

Advertising

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.

Advertising

Featured photo credit: ybimmobilier via ybimmobilier.com

More by this author

Erick Clifford

Journalist

This Is The Secret Recipe For A Healthy Living 16 Young And Successful Entrepreneurs Who Prove That Age Is Nothing but a Number 6 Essentials You Need to Consider Before Starting an Online Business 4 Things Every True Leader Wants You to Know Life Insurance: A Secure Way To Protect Your Future.

Trending in Home

1 10 Small Changes To Make Your House Feel Like A Home 2 30 Awesome DIY Projects that You’ve Never Heard of 3 5 Reasons Why Tidying Your Room Can Change Your Life 4 25 Really Cool Cat Furniture Design Ideas Every Cat Owner Needs 5 Scientists Discover Why You Should Take Off Your Shoes Before Entering Your Home

Read Next

Advertising
Advertising
Advertising

Last Updated on January 11, 2021

11 Hidden Benefits of Using Oil Diffusers

11 Hidden Benefits of Using Oil Diffusers

Affordable, relaxing, and healthy, oil diffusers are gaining popularity with people everywhere due to their extensive benefits. Oil diffusers work through the simple process of oil diffusion, which uses heat to turn oil into a vapor that is then spread around a living space. Diffused oil can have several relaxation and health-related benefits, including safe scent-dispersion, mosquito and mold defense, stress relief, and more!

Read on for 11 hidden benefits of using oil diffusers.

1. Safe Scents That Make Sense

Unlike candles or air fresheners, oil diffusers release cleansing molecules into your air that work to purify it, not overload it with unhealthy chemicals. Electronic diffusers also do not pose the fire risk that candles do. Plus, they contain the added feature of interchangeability, which means you change oil types for different scents and health benefits.

Advertising

2. Stress Relief

Several lab studies have confirmed that diffusing essential oils like lavender have been shown to reduce stress and help relieve anxiety in medical patients. Preliminary studies have also shown that oil diffusers can help alleviate symptoms of depression.

3. Improved Sleep

Diffused oil has relaxing properties that can help people of all ages fall asleep quicker and sleep more soundly. Electronic diffusers not only have the option to mix and match different oil blends (Try a lavender, Bulgarian rose, and Roman chamomile blend to help with insomnia), they also run at a gentle hum that helps relax an agitated mind. Many also come with an auto shut-off feature to help conserve oils once you have fallen asleep.

4. Appetite Control

Much like gum, oil diffusers can help stimulate the senses in a way that works to curb appetite. New research has shown that diffused peppermint oil can help curb appetite by inducing a satiety response within the body. Diffused peppermint oil has also been shown to increase energy.

Advertising

5. Bacteria and Mold Killing

When essential oils are diffused in the air, they break down free radicals that contribute to the growth of harmful bacteria. Eucalyptus, thyme, and tea tree oils are especially good for this purpose. Diffused oil is also highly effective when it comes to combating fungal yeast threats, as the oil help makes the air inhospitable for yeasts such as mold. Pine and red thyme essential oils are best for combating mold.

6. Decongestion and Mucus Control

Ever tried Vick’s Vapo-Rub? Its decongesting powers come from active ingredients made from the eucalyptus tree. In principle, oil diffusers work the same way as Vapo-Rub, except they diffuse their decongesting vapor all around the room, not just on your chest or neck. Oil diffusers have been known to cure pneumonia in lab mice.

7. Mosquito Repellant

Nobody likes mosquitoes — but when the trade-off means using repellants full of DEET, a toxic chemical that can be especially harmful to children, mosquito control can often seem like a lose-lose. However, scientists have shown that oil diffusers can be used as a safe and highly effective mosquito repellant. Studies have shown that a diffused oil mixture containing clove essential oil and lemongrass essential oil repelled one type of Zika-carrying mosquito, the Aedes aegypti mosquito, at a rate of 100%.

Advertising

8. Pain Relief

While applying oils directly to areas of your body may be the most effective way to alleviate pain, diffusing essential oils can also be an effective means of pain relief. When we inhale healthy essential oils, they enter our blood stream and can help internally relieve persistent pain from headaches, overworked muscles, and sore joints.

9. The New Anti-Viral

Research into the anti-viral effects of oil diffusion is now just gaining steam. A recent study showed that star anise essential oil was proven in medical experiments to destroy the herpes simplex virus in contained areas at a rate of 99%. Another study showed the popular DoTerra oil blend OnGuard to have highly-effective influenza-combating powers.

10. Improved Cognitive Function

Diffusing essential oils has also been shown to improve cognitive function. Many essential oils have adaptogenic qualities, which can work twofold in soothing us when we’re stressed, and giving our bodies a pick-me-up when we’re feeling down or sluggish. By working to level out an imbalanced mood, diffused oils also help us to focus. There are also several essential oils which have been shown to help balance the body’s hormones. With prolonged use, these oils can work to repair the underlying causes responsible for hindering cognitive function.

Advertising

11. Money Saving

With ten clear benefits of oil diffusers already outlined, there is one more that should now be obvious: using an oil diffuser will help you to save money. As an anti-viral, bug repelling, and stress-relief solution rolled into one safe product, an oil diffuser used with the proper oils will save you money on products you might otherwise be buying to help cure those pesky headaches or get your kids to fall asleep on time. If you’re wondering just how affordable oil diffusers can be, check the buyer’s guide to the best oil diffusers — you’ll be sure to find one that fits your budget!

Featured photo credit: Jopeel Quimpo via unsplash.com

Read Next