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3 Things People Often Get Wrong About Home Insurance

Posted by admin
June 14th, 2022

3 Things People Often Get Wrong About Home Insurance

Buying a home is one of the most important investments you’ll ever make in your life. This is why most people who buy houses will take out insurance to protect them. You should know, however, that many misconceptions are floating around about home insurance, and not understanding how home insurance works could have disastrous consequences. It could lead you to invalidate your claim by accident, for instance, or assume that you’re covered for certain things when you aren’t. Here are some of the things most people often get wrong about home insurance.

There’s No Point in Shopping Around Since Rates are Pretty Much Fixed

This is just plain wrong. The difference in home insurance quotes can vary greatly depending on who you work with. But you have to be careful not to pick the cheapest one because of the price only. You need to look at policies in detail and compare them before you decide to go with an insurer. We would suggest that you check a few home insurance comparison sites before you choose a policy. Home insurance comparison sites will allow you to compare quotes and policies right on the spot. Some of them will even allow you to sign up from their site using a simple form.

Your Lifestyle Has No Influence on Your Coverage

Most people understand that making certain modifications to their house could invalidate their insurance policy, but there are also lifestyle-related actions that could invalidate it as well. Did you know that you have to notify your insurer if you are thinking of leaving your home for more than 30 days? If you don’t do that, then you will not be covered against robberies, and you might not be able to claim for damage. So, if you’re living a semi-nomadic lifestyle, you’ll need to consult with your insurer to know their rules so you can abide by them.

Another thing that will surprise you is that some insurers will penalise you if you “advertise” that you are away from your home. This means that something as seemingly benign as posting photos of a trip on social media could void your cover. This might seem harsh, but this is something insurance companies are allowed to do as long as it’s in the contract, so make sure that you review it thoroughly and go for a company that will be a bit more lenient if you like sharing.

I’m Covered Against Floods and Sewer Backups

One of the saddest things is when people become victims of a flood and call their company only for them to say that they’ll have to cover the costs. Floods are not always included in home insurance policies, which is another reason why you must double and triple-check your contract before you sign. Coverage for sewer backups is even rarer and is usually optional. So, if you’re worried about backups or the area you are thinking of buying the house in is known for that, see if the insurer you are thinking of using offers coverage.

These are some of the common myths that should be dispelled about home insurance right away. Take the time to learn how it works before you start house hunting and choose your insurer wisely

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Attention To Detail: How The Smallest Of Details Can Transform A Space

Posted by admin
May 31st, 2022

Attention To Detail: How The Smallest Of Details Can Transform A Space

It’s common for homeowners to want to transform their space. New twists and nuances on a property can reignite interest and dull the compulsion to move.
In recent times people have made huge decorative changes. At the end of 2020, some people put up their Christmas decorations early to ease the trials of lockdown. It’s understandable to have a moment of madness, especially after much hardship.
While seismic overhauls can have their benefits, subtler changes can also profoundly affect your mood as a homeowner. Smaller details can reinforce a theme and create a decorative arrangement that feels more thoughtful and layered. What are the smaller details that can transform a space? Read on for some suggestions.

Picture Frames

The aesthetic quality of a picture can be greatly influenced by its framing. From the wood used to the perception of depth and dimensions, frames add a significant amount of decorative beauty to a wall space.
For custom frames in the UK, visit Picture Frames Direct. Each of their affordably priced products is made to measure. Design and build your picture frames yourself with their easy-to-use online frame design tool. There’s a broad selection of materials to play with, too, from metallic frames to dark and light wood varieties. They also have a range of accessories that will perfectly match your frame. Ultimately, you can get everything exactly the way you like it here.
Frames are often the finishing touches for hanging pictures. They can also clearly highlight those with special meaning and significance to you.

Taps and Switches

Many homeowners think little of turning things off and on, especially in the context of decoration. However, everyone comes into contact with switches and taps, and an especially nice set of them will surely draw the eye.
For example, black and brass taps can be decidedly on-trend and even contribute toward raising the value of a bathroom completely. A change here can be a suitably stylish inflection, with certain types of taps indicating a life of affluence and luxury.
Many homes are fitted with the same generic switchplate. While they’re almost unnoticeable from an aesthetic point of view, switching them around for something more characterful or on theme could be worthwhile. Changing the switch plates can give almost every room a lift, even if it’s just to match a colour scheme.

Decorate Window Spaces

Many people will hang curtains or blinds by a window and leave them be. However, plenty more can be done with these pocketed areas of a property.
The windowsill can feature many smaller decorative items; potted plants and flowers, small books (with characterful bookends), and many little trinkets. So long as you take care not to overcrowd the space or block out the natural light, you can create a charming, accented area of your home.
You could also frame the window area with some dazzling fairy lights too, wrapping them around neatly. Whatever the specifics of your decorative choices, it’s important to establish an aesthetic throughline with these areas. Otherwise, the window area can appear as a harsh void in the ambience you hope to create!

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