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Homeowner’s Academy
This is your guide to interesting facts, tips and general homeowner information. We hope you find the information useful – and feel free to share with friends!

5 Ways to Save Money on Home Insurance

Spring cleaning often comes with a fresh coat of paint. Painting can be a great way to change the feel of a room or give your home some great curb appeal. Painting also plays a role in home repair by protecting the wood of your home against the elements, essential here in Florida.

If you decide to try your hand at painting this spring, People’s Trust has some tips that can keep the experience enjoyable and safe for everyone in your family.

Try Some Eco-friendly Paint

Spring conjures up the sniffles for many people in the great outdoors, but paint may do the same thing inside of your home. Household paints have previously contained up to 300 toxic chemicals, including the hazardous volatile organic compounds (VOCs) that release particles into the air for years after you paint.

Try a low-VOC paint, which tends to be water-based, for any home interior painting. These have taken off in recent years and come in every shade and finish imaginable. Some brands also create no-VOC paints by replacing chemicals with more natural ingredients. These no-VOC paints are often pet-safe, but always check the label and never leave your pet unattended in a room where paint cans are open.

Home Repair Supervision

If you have children, never let them be in a room with open paint cans by themselves. If children are under the age of 10, they should never be in a room with any open painting materials. Even eco-friendly paints are extremely dangerous if ingested. If you believe your child has ingested any paint, immediately call poison control at 1-800-222-1222.

Try Cloth Catchers for Indoor and Outdoor Painting

You can pick up plastic sheets to protect your floors and lawn, but these often move and tear as you walk around painting. Turn to cloth or canvas drop cloths that will stay in place easier and can be weighed down with objects without the risk of tearing.

For painting the outside of your home, try a tarp with tie-holes. These can be staked into the ground to provide a steadier surface for a ladder.

Ventilate: Make Room to Breathe

If you’re painting inside, open the doors and windows. If your room has a fan, turn it on. You want proper ventilation for any space you’re painting to help air out the room and not breathe in paint fumes. If you can’t ventilate where you’re working, get a respirator and only paint in short stints.

Ventilation is essential to most common home repair improvements.

Stick to the Shade

If painting outside, you know that you need to take a break in the shade, but what about your materials? Paint, paint thinner and lacquer all need to stay in the shade as much as possible when painting outdoors.

Not only can heat and sun alter some of these items when they’re sitting in the can, but heat can also be a big problem for these flammable items. The city of Las Vegas actually warns its citizens to be careful when painting their homes or canvases outside because paint thinner has been ignited by the sun and started home fires.

Clean Up after Home Repairs

When you finish painting for the day, clean up the entire space. This will prevent spills and any accidental exposure.

Latex paints can typically be cleaned from surfaces and your skin with soap and water. Oil-based paints will have specific cleaning instructions located on the paint can itself. Take a look at your can before you start painting and write down what it says, because paint often spills on the outside of the can during the painting process.

Gasoline was once used to clean paint off of brushes, but this should never be used. Gasoline is extremely dangerous and should never be used as a cleaner for any object.

It’s always a smart practice to clean up and watch your space clearly when doing any home repair project.

As the holiday season comes to a close, many Florida homeowners will be seeking out ways to revive their lifestyle – and their wallets.

One of the biggest expenses Florida homeowners deal with is taking care of their homes. Fortunately, there are ways to reduce some of these costs, especially when it comes to home insurance.

Ready to start the New Year off right? Check out these five easy and effective ways to save money on your home insurance… starting now.

Shop Around

One common way to reduce home insurance costs is to shop around, comparing the price of your policy against that of similar companies. Do keep in mind that price alone isn’t the only factor you should consider when comparing policies. Just because a home insurance company offers cheaper rates doesn’t necessarily mean it’s the best company to meet your particular needs. Verify that your policy is the best value, balancing a competitive rate with quality service and coverage. Some home insurance companies offer online quote request services to help you easily compare policies and rates.

Policyholders often favor quality and financial stability over having a little extra cash at the end of the month. Ultimately, you need to know that you can count on your home insurance company when you need it most.

Review Your Policy and Get Rid of Unnecessary Coverage

When was the last time you reviewed your home insurance policy? We recommend reviewing your policy at least once a year to confirm your level of coverage so that you’re not paying for more than you need. If you’ve recently gotten rid of any valuable personal items – like jewelry, furs or electronics – your policy should reflect those changes.

Increase Your Deductible

Insurance premiums and deductibles have an inverse relationship – the higher the deductible, the lower the premium – and chances are you’ll pay your premium more often than you’ll need a deductible to cover losses. With most insurance policies, including homeowner’s, raising your deductible generally lowers your overall cost. According to the Insurance Information Institute, you can save up to 20% on your home insurance premium just by switching your deductible from $500 to $1,000.

Add Wind Mitigation Features

Homeowners can receive substantial credits for outfitting their homes with windstorm mitigation features that withstand or are more resistant to high winds. While there is an upfront cost involved, investing in wind mitigation features can lead to significant long-term savings, not to mention the peace of mind that comes with knowing your home will be safer.

Generally, a wind mitigation inspection is needed to determine which credits can apply to a home. If you would like to get a new windstorm inspection, People’s Trust can provide contact information for third-party wind mitigation inspectors.

Add Security Features

Most homeowner’s insurance companies offer credits for home security systems like burglar and fire alarms monitored by a central station. In order to receive credit, you must provide a current alarm certificate, dated within the last year, from the monitoring company. In addition to alarms, fire sprinklers can also help you save on your insurance premium.

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18 People’s Trust Way
Deerfield Beach, FL 33441-6270

 

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