Palouse LIVING Your resource for buying, selling and enjoying your home on the Palouse.
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Inside: Palouse Living is an advertising supplement of the Lewiston Tribune and Moscow-Pullman Daily News
TOO EARLY FOR CHRISTMAS? NO WAY!
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How much home insurance do I need? By Sarah Kuta Courtesy of Realtor.com
If you're buying a home, choosing the right amount of home insurance for your property is key. Buy too much, and you're wasting cash on coverage you'll never use. Buy too little, and if a hurricane, hailstorm, or other disaster strikes your home, your insurance might not cover the costs to x the damage— which means you'll be paying out of your own pocket. So how much home insurance is enough? In this latest installment of our Home Buyer's Guide to Home Insurance, we'll outline all you need to know to get the right amount and type of insurance to suit your circumstances perfectly.
How much home insurance do I need?
The goal of your homeowner insurance policy is to ensure you're covered not only for minor damage that you'd like nancial help xing, but more importantly, in case your home is completely destroyed (in a tornado, re, or otherwise) and needs to be rebuilt from scratch. This is known as "actual total loss" or "total loss." Total loss coverage varies from area to area as well as from home to home, but basically boils down to an estimate of how much it would cost to rebuild your home. That could cost more than
you paid for your house, or less—it all depends on construction costs in your area. "Size, materials, quality of nish, and a number of other factors will inuence that rebuilding cost," says Stefan Tirschler, product and underwriting manager at Square One Insurance Services. To determine the total loss coverage for your property, you'll want to talk to a home insurance company or agent (who probably represents various insurance companies), who can determine the best amount of coverage based on your home's square footage, the local construction market, and, of course, the current market value of the house. "When you shop for home insurance, your insurance provider will likely have access to electronic reconstruction cost-estimating tools to help provide a sense of how much coverage you need," Tirschler explains. If you have a mortgage on your home, your lender will probably require your coverage to equal 100% of the replacement cost of the home. And even if your home is paid off—or no requirement is in place—it's still a good idea to buy enough coverage to cover the complete
Insurance
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6 modest front-yard updates home sellers should never forget By Ana Durrani Courtesy of Realtor.com
Home sellers know that a tidy, tasteful home will catch any buyer's eye. That's why many people put effort into xing up—and even staging—the interior of their home before putting it on the market and hosting open houses. But did you know that an unkempt exterior could deter potential buyers from even setting foot in the door? That's right. A shoddy-looking front yard could undermine all that hard work you put into beautifying the inside of your home, and that could jeopardize your chances of selling. "You only get one chance to make a rst impression, and it happens when a potential buyer sees the exterior of your home," says Kate Rumson, interior designer. "We all tend to form opinions in the rst few seconds of seeing a home for the rst time—make those seconds count!" Don't let your home's exterior fall to the wayside. Whether your front yard is in need of a few tweaks or a full face-lift, the following tips will help boost your home's curb appeal and make sure everything matches.
PALOUSE LIVING 3. Complement your colors
Choosing the right colors for the inside of your home takes careful thought and consideration. But no matter what paint you choose, make sure the palette transitions smoothly from exterior to interior. “Interior and exterior colors don’t have to match, but they need to complement one another," says Rumson. For example, a traditional forest-green exterior trim looks great when paired with navy blue, tan, or blush interiors. "Make sure that the colors of your exterior accurately represent what buyers should expect to see on the inside,” Rumson adds.
4. Consider new window frames
1. Replace your garage door
Garage doors tend to be large, so they're a major architectural element of your home. Replacing one can be costly, but this one upgrade
could help sell your house faster. According to Remodeling magazine's annual Cost vs. Value report, garage door replacement has consistently topped the list of remodeling projects that give you the biggest return on investment. In fact, this year's report found that by replacing your garage door, you could recoup 94.5% of the cost when you sell your home. “Old or damaged garage doors will make a house feel dated and not cared for. If your garage doors are in poor condition, replace them,” says Rumson. “Don’t let potential buyers think that the damaged garage doors represent the rest of your home’s condition.” As for the cost, garage door replacement can range from $600 to $2,750, according to HomeAdvisor.
2. Do a front door audit
Team Idaho
The rst thing potential buyers see as they walk up to your home is your front door. The door can give house hunters a hint of your design sense and what decor delights await them on the other side. Ted Roberts, chief style and design expert at Schlage, says to consider the color and materials of both the inside and outside of your door. He says the hardware on a door is also important to the overall aesthetic and that door hardware should be updated to create a unied statement throughout your property. “Updating your front door can do wonders for your security and style. If your door hardware is showing signs of age, this fall could be the perfect time to upgrade to a new handle set and an electronic lock that adds smart, keyless convenience,” says Roberts.
Installing new window frames will create the appearance of brand-new windows, and is a quick and inexpensive way to make your home look newer and more attractive to buyers, says Rumson. Consider updating your outdated window frames with new, stylish black window frames. “Black window frames will boost your home’s curb appeal, make your home more unique, and create a great contrast with the rest of your interiors,” says Roberts. “Because black windows make such a statement, they don’t always need shades, blinds, or curtains, offering an opportunity for you to sidestep what can be an occasionally costly investment.”
5. Refresh your landscape
The American Society of Landscape Architects recommends that homeowners invest 10% of a home’s value in landscaping. A well-manicured front yard can be eye candy to potential buyers. Professional landscaping can be pricey, but we're not suggesting a full foliage overhaul. Simply take a few hours on a weekend to freshen up your existing landscaping with plants and fresh mulch. Over 75% of top real estate agents nationwide say that well-landscaped homes are worth anywhere from 1% to 10% more than homes without landscaping, according to research at HomeLight.
6. Install outdoor lighting
“Outdoor lighting is important for safety, but it can also signicantly improve the curb appeal of a home,” says Rumson. There are a variety of outdoor lighting options, from decorative lighting (like sconces by your front door) to landscape lighting (to illuminate the pathway to your porch). “It’s an easy update," says Rumson. "You will nd many beautiful options and styles at your local home improvement store.” Light up your home’s exterior walkway with a set of 10 solar-powered, black LED outdoor lights ($79.97, Home Depot) or a lantern sconce ($59.97, Home Depot). Anayat Durrani is a freelance education reporter for U.S. News and World Report. Her work has been featured in Military Ofcer, California Lawyer, the American Scholar, and PracticeLink magazines, among many others.
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Moscow-Pullman Daily News & Lewiston Tribune | November 7, 2020 | 5
What to look for in new-construction homes features like the countertop, ooring, tile, and more. Plus, there's often the possibility of adding upgrades (for a price) like a kitchen backsplash or a water softener. But it's wise to avoid the temptation to go overboard. Sometimes it may be better to just stick with the standard features and upgrade them later when your budget permits. “Ask to see what the standard xtures/design elements look like, and what it costs to upgrade them,” says Golden. "However, things like tile and ooring make more sense to have the builder do, as changing those out later can be too much trouble to do."
4. A warranty
You shouldn’t expect to have any problems in a new home for a long time. But if you do, it’s important to be covered. Before you buy a newconstruction home, make sure it comes with a warranty. “Most builders have, at minimum, a customer care program and a rst-year warranty, plus a longer-term structural warranty,” explains Alan By Terri Williams Courtesy of Realtor.com
Few things are as exciting as purchasing a newly constructed home. Everything is pristine and, presumably, will last for a very long time. However, just because a house is new doesn’t mean it’s free of aws. There are a lot of factors that could make a brand-new home a less than ideal purchase.
1. Quality of the build
“They don’t make 'em like they used to” is a common phrase that refers to the solid construction of many older homes. It can be true for a number of reasons—from the building materials used to the skills employed in the building process. Therefore, one of the most important things you can do with a newconstruction home is to check the foundation to ensure there are no issues, since this can be costly to x. “You should be able to get a set of plans from the builder, designer, or city to make sure nothing was left out,” says Nathan Outlaw, president of Onvico, a design-build and general contracting rm in Thomasville, GA. Also, he says, you need to step back and compare the home with its setting. “Is the home oversized or undersized for the neighborhood? Do the materials and style of construction match the neighborhood?” Outlaw warns that purchasing a cheap build in a nice neighborhood will have ramications—like costly repairs—further down the line.
Beulah, vice president of sales and marketing for M/I Homes in Charlotte, NC. For example, Beulah's company offers a 15-year structural warranty that protects mechanical systems and other major structural elements. But there may be an even bigger issue than honoring the warranty. “You have to make sure that the builder is one that will be around and able to carry out warranty work,” says Jeff Benach, principal at Lexington Homes, a Chicago-based homebuilder.
5. An experienced real estate agent
When looking for a new-construction home, don’t forget to hire a real estate agent who has experience representing new-construction buyers. “An experienced agent will negotiate with the builder to ensure pertinent items are covered during the rst year of homeownership," says Patrick Garrett, a broker and owner at H&H Realty in Trussville, AL. Some of these items include coordinating a punch list (a document showing work that still needs to be done on your new home), a structural and mechanical warranty, and any agreements to x cosmetic issues that are not noticed during initial inspections or the nal walk-through. Terri Williams is a journalist who has written for USA Today, Yahoo, the Economist, U.S. News and World Report, and the Houston Chronicle.wwwww
2. The builder’s reputation
One way to minimize the chances of purchasing a low-quality home is to nd out as much as you can about the builder. Outlaw recommends doing your research to nd out what others think about the company. Is the builder known for taking shortcuts during the construction process? Does the builder have a reputation for paying its subcontractors and suppliers on time? Robin Kencel, a broker at Compass in Greenwich, CT, agrees. "Some of the rst questions I ask the listing agent are about the team behind the house: who are the architect, builder, subcontractors, and engineers involved in the project," Kencel says. "Those answers will help me gauge the strength of construction.” It’s also a good idea to ask either the builder or the listing agent for references from people who have purchased a home from the builder. “If the community is partially built and there are folks already living there, knock on some doors and ask what their experience was like and if they are satised with the nal product,” says Bill Golden, an independent real estate agent with Re/Max Around Atlanta.
3. Possible upgrades and design options
Sometime buyers will get to choose the design elements in new-construction homes that have yet to be built. The builder will offer options for
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Too early for Christmas? No way! 4 tasteful ways to decorate your front door right now By Ana Durrani Courtesy of Realtor.com
How early is too early to decorate for the holidays? In any other year, Christmas decor tends to go up right around the end of Thanksgiving. But this is 2020, and we've all been looking for ways to bring some happiness to our lives amid the coronavirus pandemic and a contentious political season. So for some people, this means decking the halls early—like, way early. If you've found yourself pondering pulling out your holiday decorations, even though it's not even winter yet, you're not alone. According to Pinterest’s Holiday 2020 report, searches for "holiday-themed door decorations" are currently up 125% this year. But why door decorations, specically? “This year we’re seeing front door decor as a bigger focal point than in previous years,” says Katie Fischer, divisional merchandising manager for entertaining, textiles, and accessories at Crate & Barrel. "While extended family and friends
may not see your beautiful mantel, tree, or tablescape this year, adding extra touches like a decked-out front door or patio is a simple way to
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create joy and holiday cheer this season.” For many, 2020 has earned a spot on Santa's naughty list, and the holidays can’t come soon enough. Plus, experts say decorating early can make you happier. So if you're ready to spread a little joy, here are some tips on how to create holiday curb appeal right on your own front door.
1. Adorn your entry with a garland
Garlands are typically used inside, on mantels or dining tables. But they can add a beautiful touch of holiday spirit to your front door, too. “Using a garland to frame your entryway or front door is a great place to start when it comes to pulling together your outdoor decorations,” says Fischer. “Bring festive forest vibes front and center at your home.” Consider pre-lit options like a garland with soft white lights ($39.98, Home Depot), one sprinkled with red berries ($119, Crate & Barrel), or a faux evergreen strand ($119, Crate & Barrel). “It’s the perfect way to light up your front door and will be a versatile addition to your holiday decor for years to come,” says Fischer.
2. Illuminate your entryway
Brighten your entryway or highlight your home with an assortment of light choices, without going overboard like Clark Griswold in
"National Lampoon's Christmas Vacation." “The best way to elevate your outdoor decor is by mixing several different light sources," says Fischer. Go for a soft glow with twinkle gold string lights ($29.95, Crate & Barrel). Or line your patio or front stairs with brass lanterns (starting at $28, Terrain). You can also just go full Christmas mode with a set of three red lanterns ($159, Amazon).
3. Stylize with wreaths
Nothing says “Merry Christmas to all” like an eye-catching wreath. “Think of the wreath on your front door like the centerpiece of your holiday table setting. It should draw the eye in and show a little bit of your personality and aesthetic,” says Fischer. Go more traditional with a pine cone and berry wreath ($61.99, Wayfair), elevate your entrance with a hoop wreath that has a modern edge ($69.95, Crate & Barrel), or consider a
PALOUSE LIVING peppermint wreath ($69.99, Michaels) with red and white accents. “It is an expression of your style right on the door and literally can be hung in just seconds. It can elevate your home and immediately gives an impression of what to expect to those who enter,” says Gia Lewis, category manager at Michaels.
4. Focus on your favorites
“The secret to nailing your home's holiday door decor is nding those added accessories that make it your own,” says Fischer. That means picking a doormat, small trees, or other accessories that correspond with your design indoors. If you love typography, consider a wooden "Merry Christmas" sign ($23.49, Michaels). Punctuate your front door with a bold, yet welcoming Fair Isle–print doormat ($29.95, Crate & Barrel). You can also add jingle bell door hangers ($14.99, Amazon) and a wintry LED birch tree ($149, Crate & Barrel) to complete your front door vignette. “Pulling together multiple elements—a seasonal door mat—only enhances your story,” says Lewis. “Adding elements like lanterns and seasonally appropriate accents makes the welcome even more inviting.” Claim your home and get tips on remodeling Anayat Durrani is a freelance education reporter for U.S. News and World Report. Her work has been featured in Military Ofcer, California Lawyer, the American Scholar, and PracticeLink magazines, among many others.
Moscow-Pullman Daily News & Lewiston Tribune | November 7, 2020 | 7
Insurance
Is basic home insurance enough?
continued from page 3 replacement cost. Even if the odds are slim that you'll ever need to use it, the peace of mind it can provide in the event of a disaster is priceless.
Does home insurance cover what's inside the house?
Another factor to consider is not only the replacement cost of your house, but what's inside as well—in other words, your belongings. After all, if your home is destroyed by re or damaged by a hurricane, it's not just the roof and walls that take the hit. Most home insurance policies will cover interior items, but that doesn't mean everything inside your home is safe. For instance, a "named perils policy" typically covers only a specic, narrow list of causes of loss, and depending on why you place the claim, you may nd your insurance company won't pay up! If you want to ensure your valuables are fully protected, Tirschler suggests looking for an insurance provider that offers an "open perils" (or “all-risk”) policy. "Open perils policies provide the strongest protection, because they cover all possible causes of loss except for those that are specically excluded," he notes.
As you shop for home insurance and compare quotes, you should know that most insurance providers won't give you just one quote—rather, they may offer several. This is because companies often offer different levels of insurance—like "basic" and "enhanced"—each with their own price, pros, and cons. Here are some factors to consider: • Deductible. A deductible is the amount you'll need to pay out of pocket before your insurance kicks in. Generally speaking, the higher the deductible, the cheaper the monthly insurance premiums. Why? Because with a high deductible, you'll have to pay more before your insurance company has to pitch in. Deductibles often range from $1,000 up to $5,000. • Coverage limits. A coverage limit is the maximum amount your insurer will pay when something goes wrong and you le a claim—everything above this amount, you'll have to pay out of pocket. For instance, a more affordable, basic plan might pay the medical bills if a guest is injured at your house at up to $1,000 per person, whereas a more expensive, enhanced plan might cover up to $5,000 per person. You can choose between these various insurance levels based on your personal comfort level, tolerance for risk, and how much money you have in the bank in case of emergencies. If your circumstances or outlook change, most companies will allow you to increase or
decrease your coverage. For instance, if you could only afford a basic, bare-bones plan originally but want pricier/better coverage after getting a promotion at work, most insurance companies will happily adjust your plan to suit your new circumstances.
Do you need additional home insurance riders?
Your insurer will also likely offer you some additional, optional coverage. Got expensive jewelry or artwork in your home? You may want to purchase additional coverage. You'll pay more now, but if your valuables are damaged or destroyed, your insurance company will help you pay to replace them, which could save you money in the long run. "If you have any high-value items, such as jewelry or expensive art, these will require a different policy to truly cover their actual worth," says Ralph DiBugnara, president of Home Qualied. Remember, too, that you may need to purchase a separate insurance policy for things that are not covered in your plan. For instance, oods and earthquakes are typically not covered in basic insurance plans, so if you want it, you'll have to buy this insurance separately. In our next installment of this series, we'll dive in more depth into what home insurance covers— and what it doesn't. Sarah Kuta is a writer and editor based in Colorado.
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