Blog - Month: August 2020

Month: August 2020

Get Your Home Ready for Fall

Get Your Home Ready for Fall

Posted By Andrea Robinson
August 24, 2020 Category: General

Can you believe it? Fall is less than thirty days away.!Have you started to prepare your house for the season? These tips will help you get your home ready for autumn weather AND save you some money!   Inspect the roof - Take a close look at the roof and see if there are any damaged tiles, cracks, or leaves or debris. While you are taking a look at the roof, check out your gutters, and repair what needs to be fixed. Finally, get winter tools ready such as your snow blower, and make sure that everything is ready to go.   Fertilize the lawn - Applying fall lawn fertilizer will help prevent winter damage and spring weeds. If you plant bulbs for spring, now's the time to get them in the ground. Put away any seasonal furniture you have and store it in a dry place.   Inspect furnace and air conditioning unit – Take a thorough look at the furnace, check heating efficiency, and change the filter. Winterize air conditioning. If your home has central air conditioning, cover the outside unit.   Test home safety devices - Replace the batteries in all smoke detectors and carbon monoxide devices and test to make sure they're working correctly. Check out the thermostat. A programmable thermostat is a good idea if you don't have one already. Check the temperature settings. Setting your thermostat to lower the temperature automatically at night and when you're not home can save a lot on utility bills.   Swap out interior

Title Insurance: Is it Worth It?

Title Insurance: Is it Worth It

Posted By Andrea Robinson
August 14, 2020 Category: General

Title insurance protects the insured from a financial loss related to the ownership of a property. Two policies are recommended at a home loan closing: the lender's policy, which is required, and an optional owner's policy. A monthly premium will not be added to your mortgage payment. Title insurance is a one-time upfront cost.    According to a spokesman for the American Land Title Association, one of every three title searches reveals a problem affecting the title to a property. Expenses can add up quickly when every dollar counts. It can be tempting to decline an optional owner’s title insurance. When you do the math, an owner’s policy of title insurance is quite reasonable. Your home is the single most substantial investment, and an essential part of title insurance is its emphasis on risk elimination before insuring. This gives you, the policyholder, the best chance of avoiding title claim and loss. Budgeting for that coverage may require some discipline when budgeting in the short term, but the peace of mind you get in the long run is priceless.   Here are some benefits of title insurance for homeowners: Protects you from financial loss due to covered claims against your title, up to the policy's face amount. Pays your legal costs if the title insurance company is required to defend your title against covered claims. Pays out successful claims against your title, up to the face amount of the policy. Continues pro

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