Your Home Magazine | Vol. 2 | Iss. 6 | Nic Spano

YOUR HOME

+

CLASSIC COMFORT FOODS WINTER TRAVEL IDEAS

B O N I TA S P R I N G S

Festive Entertaining and Decor Inspiration Compliments of

NIC SPANO, Realtor®

nicspano.com | 239.537.2594 | nic@equityrealty.com

solutions | design | lifestyle CLAUDIA.DECORATINGDEN.COM claudia@decoratingden.com | 239.431.5936 6062 Taylor Rd, Unit 801, Naples, FL, 34109 2 | YOU R HOME M AGAZIN E

Always INCLUDED YOUR HOME: on ALL My Listings ANYWHERE

dh

DIANA HALL DESIGN

A full service boutique interior design firm devoted to an inspired sense of style and impeccable client focused services.

» Full Time Marketing Coordinator » Professional Post Processed Photos » Fully Immersive 3D Walk Through Tour » Aerial Drone Photography » Property Marketing Video » Single Property Website and Domain » Professional Quality Printed Flyers » Oversized Postcard Mailer to Community » Agent Showcased Open Houses

» Unmatched Web Presence » Sent to Huge Existing Buyer Lead Database @yhmagazine

239 398 5423 1959 Trade Center Way Naples, Fl 34109 dianahalldesign.com

@yhmagazineinc

@yourhomemagazine

NIC SPANO, Realtor®

nicspano.com | 239.537.2594 | nic@equityrealty.com

YOUR HOME MAGAZINE® | 49

Always INCLUDED on ALL My Listings Professional Imagery Throughout Full-time Marketing Coordinator on staff works with your schedule to take professional photos, licensed drone aerial photography and 3D tours creating an attractive online presence and print package that will make your property stand out.

Professional Photography Photos are taken to seller and agent specifications, and then post-processed in house to enhance property features, lighting, weather and more.

Aerial Photography Licensed drone can shoot high elevation imagery to showcase an expansive lot, pool, water view, home location, community amenities and more.

NIC SPANO, RealtorÂŽ

nicspano.com | 239.537.2594 | nic@equityrealty.com

Always INCLUDED on ALL My Listings Increase Exposure and Lead Engagement Prospective buyers can immerse themselves in your listing from the comfort of their home on their own computer, phone or tablet, focusing on your listing over others, engaging their agent and sharing with family and friends.

3D Walk Through Tour - Room by Room, Look Up, Down & All Around! And more lead engaging features:

3D Dollhouse NIC SPANO, RealtorÂŽ

Floor Plan

nicspano.com | 239.537.2594 | nic@equityrealty.com

Home Showings Lead to Increased Sales Bonita Springs Real Estate Activity According to the September 2019 Market Report released by the Naples Area Board of REALTORS® (NABOR®), which tracks home listings and sales within Collier County (excluding Marco Island), showings in September 2019 were up 31 percent over September 2018. This translated into a 13.7 percent increase in pending sales (written contracts) or 823 pending sales in September 2019 compared to 724 pending sales in September 2018. Strong showing activity during the summer resulted in 698 closed sales during September 2019.

The NABOR® September 2019 Market Reports provide comparisons of single-family home and condominium sales (via the Southwest Florida MLS), price ranges, and geographic segmentation and includes an overall market summary. NABOR® sales statistics are presented in chart format, including these overall (single-family and condominium) findings:

CATEGORIES

SEPT 2018

Total closed sales (month/month)

SEPT 2019

CHANGE

651

698

+7.2%

$327,408

$325,000

-0.7%

6,070

4,989

-17.8%

Average days on market

93

102

+9.7%

Single-family closed sales (month/month)

321

359

+11.8%

$395,000

$405,000

+2.5%

Single-family inventory

3,208

2,567

-20.0%

Condominium closed sales (month/month)

330

339

+2.7%

$242,250

$245,000

+1.1%

2,862

2,422

-15.4%

Median closed price (month/month) Total active listings (inventory)

Single-family median closed price (month/month)

Condominium median closed price (month/month) Condominium inventory

The September report showed median closed prices remained stable during the third quarter (July, August & September). In July, the median closed price was $326,400. By September, the median closed price had dropped slightly to $325,000, which is only a .7 percent decrease from September 2018, which reported a median closed price of $327,408. Interestingly, the median closed price in January 2019 was $325,000.

NIC SPANO, Realtor®

nicspano.com | 239.537.2594 | nic@equityrealty.com

Always INCLUDED on ALL My Listings » Full Time Marketing Coordinator » Professional Post Processed Photos » Fully Immersive 3D Walk Through Tour » Aerial Drone Photography » Property Marketing Video » Single Property Website and Domain » Professional Quality Printed Flyers » Oversized Postcard Mailer to Community » Agent Showcased Open Houses » Unmatched Web Presence » Sent to Huge Existing Buyer Lead Database NIC SPANO, Realtor®

nicspano.com | 239.537.2594 | nic@equityrealty.com

“My hope is always to bring great design back to life.�

239.307.4715 www.kristenwilliams.com

publisher’s note

time of the year! We are happy to welcome back our northern friends, and hope that you have a great start to your season. Southwest Florida really shines this time of year as the social calendar kicks into high gear. This can also be a busy time and the joy of the season can get lost in a long to-do list of tasks and demands.

Now is the time to start making your holiday plans, so this issue we have a helpful guide to creating the perfect party. A planning timeline is great for keeping you organized and helps you remember the items you will need on hand and arrangements that need to be made in advance. We kept our timeline generic, so it works for any gathering, from a Thanksgiving dinner to a child’s birthday party. Anything to keep the stress down and joy up!

YOUR HOME MAGAZINE®

I T ’ S T H E M O S T WO N D E R F U L

We also wanted to do something a little different this issue and feature some travel ideas.

While most people think about vacationing in the summer, there are some fantastic winter destinations that shouldn’t be overlooked. Both in North America and around the world, there are beautiful places that shine under clear skies and fluffy snow, so we’ve curated a list of some of the best locations for you to consider this winter. Magical Bavarian palaces, picturesque Nordic fjords, and the towering mountains out west all take on a different life in winter. And, for residents who spent the hottest months in Florida, a little chill might be a wonderful break and can bolster appreciation for the warm weather our area offers.

Wishing you and yours a wonderful holiday season!

Enjoy!

Channing Spano, Publisher

4 | YOU R HOME M AGAZIN E®

P U B LI SHER

Channing Spano

A R T D I RECTO R

Tarra Wood

P R E SI D ENT

Tony Spano

INTERESTED IN ADVERTISING? For more info on advertising or to have your home featured in an upcoming issue, call 239.249.2884!

Your Home Magazine® is sent to you courtesy of the sponsors in this publication. If you’d like to change your mailing preferences, please email us at info@yhmagazine.com

Your Home Magazine® is published by Your Home Magazine, Inc © Copyright 2019. All right reserved. All prices, specs, and financing rates & terms are subject to change without notice. All real estate advertised herein is subject to the Federal Fair Housing Act, which makes it illegal to advertise “any preference, limitation or discrimination because of race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preference, limitation or discrimination.” We will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis. Advertisers in Your Home Magazine should not be considered referred or endorsed by Your Home Magazine or any other advertiser. If your home is currently listed, this is not an offer to sell your home. All prices, specs, rates, terms, and availability are subject to change without notice.

contents

VOLUME 2 ISSUE 6

32

26

8 6 digital dish Inspiration online and on social media

8 old made new An inspiring home remodeling project in Miromar Lakes

18 time to party Our helpful timeline for entertaining

22 top picks Winter blues for this season and beyond

24 making sense of insurance Helpful advice for navigating homeowners insurance

26 modern coastal living Beautiful condo tour in Talis Park

32 merry & bright Elegant, modern holiday decor for any design scheme

36 winter wanderlust Breathtaking, snow-filled destinations

42 classic comforts Easy, timeless winter recipes

YOUR HOME MAG AZ INEÂŽ | 5

Digital Dish

INSTAGRAMINSPIRED These are some of our favorite hashtags. Do you have some great home inspiration? Mention us @yhmagazineinc or use #yhmagazine to share it with us!

WHAT'S HAPPENING ON YHMAGAZINE.COM, SOCIAL MEDIA, AND BEYOND

F U R N ITUREP ICK

LENTO CHAIR The Lento black leather lounge chair has a solid, walnutstained wooden frame and is finished with a foam pad upholstered in buffalo leather. Black furniture is a popular trend this season, and this piece is sure fit in with a room update while remaining timeless as trends change and evolve. The Lento chair is available from Article for $299.

Find this and more on article.com.

#COASTALHOMES Need some coastal inspiration?

Accounts like @shoppecoastaldecor have you covered.

W I S H L I ST

edwin square coffee table Add a pop of sophistication with this two-tone coffee table

by Horchow. The slim, antiqued brass-finished iron forms an X to support a tier of perforated metal and is topped with polished white marble, bringing a simple, elegant aesthetic to the modern coffee table. Marble is a classic material and we absolutely love it when paired with a contemporary design. The Edwin Square Coffee Table is available for $1099 on horchow.com.

#MODERNDESIGN Beautiful furniture like this from @threemagdalenstreet can be found using this hashtag.

FAVO RITETREND

RETRO-INSPIRED DECOR This modern sideboard features a walnut wood body and brass doors with circular details that add a lustrous natural beauty. The wood and metal construction not only enhances its fashionable appeal, it also increases the durability, allowing this piece to accent your home with a sophisticated functionality. Available for $899 on allmodern.com. #LUXURYKITCHEN We are loving the luxe designs featured on @smpliving.

connect with us yhmagazine |

@yhmagazineinc |

6 | YOU R HOM E M AGAZIN EÂŽ

@yourhomemagazine | yhmagazine.com

985 1st Ave South, Naples, FL 34102 239.261.7727 hillshowcase.com

Old Made New

I

t’s no secret that land is at a premium in southwest Florida. With a new community springing up seemingly every day, and growth pushing further east, buyers often feel like they have to sacrifice location to get a home they will love, especially if they are looking for new construction. Jennifer Springer of The Orchid Group at Premiere Plus Realty and Mike Soule of Gulfshore Homes are here to say that isn’t true. With a little imagination and the right team, it’s possible to transform a home into the perfect place for you and your family. A great example of a buyer getting everything they wanted is this project located in Miromar Lakes. “Miromar Lakes is a wonderful, established neighborhood and people love the community and the amenities.

This home was built in the early 2000’s and like many in the neighborhood, it needed updating.

8 | YOU R HOM E M AGA Z IN E®

The buyers fell in love with the location and the premier lot with amazing views but knew the home wouldn’t fit their growing family’s needs,” explains Springer. With older children beginning to start their own lives, the buyers wanted to create a private space for each new family unit so everyone could enjoy southwest Florida and their vacation home. Springer suggested they partner with Gulfshore Homes to create their dream home.

“We were brought in before they even purchased the home to help them both see the possibilities and reassure them that their ideas could be implemented in this location,” Soule explains. “We understood what they saw in the lot and agreed that this could be a fantastic location for a family retreat. We were also able to assure them that we could work within their budget.” In fact, the budget informed

their decision to make a fresh start from the ground up. Only two walls from the original structure remain, while the rest of the home is now completely new. As the buyers began to tell the team what they wanted, it became apparent that it would be more cost-effective to simply start over than to work around the existing layout.

Welcome Home

Effective Elevation

(OPPOSITE) Throughout the home, elegant neutrals were used to create a serene and sun-filled home, and the foyer sets the tone for the rooms beyond. The foyer’s crown jewel is the unique lighting feature with crystals that seems to drip from the ceiling like beads of water. Channeled walls are accented by metallic wallpaper that adds shine to the space. A white-lacquered console with plenty of movement pairs well with the dark wood of the front door and the decorative stone inset.

(ABOVE) At the front of the home, the older style Mediterranean accents were replaced with more modern elements. The tower was raised, the arches squared off, and stone was added to create a beautiful elevation that is now contemporary and clean. “We also extended garage by four feet to create room for a larger master bath and then added an extra garage and golf cart bay,” says Soule. The new paver driveway matches the colors found in the flat concrete tile roof and stone facade.

Lush landscaping and details like the Bahama shutters are used to create the feel of a far-off resort and sets the tone for the home’s vacation purposes.

YOU R HOME MAG AZ INE® | 9

Seeing Double (ABOVE) Two different types of stone, Pompeii quartz and graphite marble, were used on the kitchen’s double islands creating the perfect place to prepare a meal or host a party. No matter how large a home is or how great the other rooms are, the kitchen is where people congregate, so Gulfshore Homes created a space that could hold the whole family. The double islands also solve the storage problem open kitchens present by making up for the storage lost when there is only one wall for upper cabinets. Tile was added to the main kitchen wall to create a feature wall that not only adds a beautiful visual element but also helps balance the marble and large fireplace on the opposite wall. Wolf and Subzero appliances finish this important room.

10 | YOU R HOME M AGA Z IN EÂŽ

Open Interiors (TOP) The home is bright and welcoming thanks to the updated great room designed by Gulfshore Homes. The original room had a distinctly dated vibe with coffered ceilings, dark tile, and walls that closed in the main living areas. Now, this area has been transformed into a modern, open space perfect for both entertaining and family time. Toffee-toned wide plank oak floors provide the foundation for the room, while a large sectional with deep and comfortable seats facilitates relaxing conversation. Above, decorative trusses were built on-site to ensure a perfect fit. “Originally we had a much more detailed ceiling planned but as we got into the renovation we decided to scale it back to create a clean look that makes a big impact,” says Soule. The soft blues, seafoam green, and grey found here, and throughout the home, are inspired by its waterfront location.

Dinner and a View (BOTTOM) One space that takes full advantage of the view is the dining room with expansive sliding doors that open to create the perfect dinner party setting. The dark and modern table is accented by ivory upholstered chairs. Elegant drapes in a steel-toned fabric frame the windows and are a wonderful companion to the blue and ivory area rug. The ceiling is a contemporary study in color and texture as dark crown molding, backlit with LED lights, and tongue-and-groove accents provide a beautiful depth to the room.

YOU R HOME MAG AZ INE® | 11

Home Spa (BELOW) The master bath represents one of the biggest changes in the home. Now larger and more functional, the spa-like room features inlaid natural stone, glass tiles, and a large steam shower with a fantastic rain shower head that was a last minute addition to the bathroom. While in Europe, the owners experienced a Grohe electronic shower system they loved and wanted to incorporate one into their new home. Mid-framing plans were changed to accommodate the new shower and the ceiling was built to house the electric system and pipes leading to the shower head. Thanks to newly bumped out garage space, the vanities are now larger for more function and visual impact. A beautiful freestanding tub finishes the space.

Movie Night (ABOVE) The theme of unique ceiling details is carried into the versatile club room. This is the perfect place for a gathering, reading a book alone, or for a family movie—the new owners wanted a room could be used for multiple purposes. “This room wasn’t a part of the original home but it made sense given the space we had and the owner’s need to create another gathering area,” says Soule. The room overlooks the lake, so whether they are watching a movie on the 110-inch screen which comes down in front of the custom Maple wood built-ins, or playing a family game, the water is never out of view.

12 | YOU R HOM E M AGA Z IN E®

Sweet Dreams (ABOVE) French doors and the addition of four windows on the headboard wall create a light and bright master bedroom. Roman shades are used for privacy and bring in a pop of aqua that is accented by the light bedding. Behind the headboard, a champagnecolored folding screen gives the room a little shimmer. Coffered ceilings were removed and a more modern white wood ceiling was added.

YOUR HOME MAG AZ INEÂŽ | 13

14 | YOU R HOM E M AGAZIN E®

Take a Lap Outside, the task was to create a pool for a homeowner who loves to swim. “We wanted to make it beautiful but also keep in mind that she was a college swimmer and still uses the pool as a main form of exercise. We needed to make a pool that would also facilitate relaxation since this is a family home, so we added a seating edge around the perimeter. Once that was added, we then had to think about how she would make her turns in the water so the length and depth had to be calculated correctly for a comfortable swimming experience,” says Soule. The large lanai was updated to create enough space for the family to gather and the outdoor kitchen and grill now provide the perfect kitchen experience when the weather is comfortable.

YOUR HOME MAG AZ INE® | 15

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For 25 years our client-focused approachtois experienced designed to make thesupervisors building process both seamless enjoyable.

From responsive project managers on-site and the finest trade and partners, Working with the finestwe trade partners tofor ensure a great outcome for our homeowners. ensure greatcontinues outcomes our homeowners.

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Buy local...keep your dollars local...keep Naples unique and vibrant. kbpatiofurniture.com

Time to Party Season is here and with it comes a full social calendar. As people return from up north, it’s a time to reconnect and share stories from the summer. Throwing the perfect party, whether it’s for a holiday or just because life is worth celebrating, can be stress-free for you as the host with the perfect plan in place. We’ve created a timeline that will work for every gathering.

18 | YOU R HOM E M AGA Z IN E®

6 to 8 Weeks Out

3 to 4 Weeks Out

•

Choose your date, time and venue.

•

•

Develop your guest list and decide on the total number.

Prepare invitations and mail, email, or hand-deliver them.

•

If you plan on having entertainment, now is the time to book them.

•

•

Set the theme for the party.

Keep yourself organized by putting your guest list either in an easy to reach spot or a well-labeled digital folder so you can easily record RSVPs. Most digital invites will keep your guest list tally, making it a really great option these days.

•

Pick your invitations. If mailing them out, you will need to place the order much sooner while digital options can be selected later.

•

Shop for party supplies! You already have your theme, so this should be a fun activity.

•

Because season can be so busy, talk to your caterer, if you are using one. Booking them as soon as you have your date and venue will help ensure you get the service and food you want.

•

Line up additional help or a party co-host. If you are inviting children to your party this would also be a good time to make sure there will be enough hands on deck to help watch them.

YOUR HOME MAG AZ INE® | 19

2 to 3 Weeks Out •

If not using a caterer, plan your own menu for the party.

start, when will the food be served, where should people be and when?

•

Finalize a seating chart.

•

Try out any recipes you’re unfamiliar with so you aren’t lost the day of.

•

If you are hosting a party with games, this is also an ideal time to make sure you have all the pieces. If you are missing items, you will have time to get them

•

Purchase groceries or any pre-prepared food you plan to serve if not using a caterer.

ordered or find a store that carries replacements.

•

Bake any cookies or treats that can be made ahead.

•

Begin cleaning or, if you use a cleaning service, let them know you would like them to do a deep cleaning during this time.

•

Double-check your supplies—you don’t want to have to run out the morning of the party for more plates or forgotten cutlery.

1 Week Ahead •

Check-in with people who haven’t RSVPed yet. Your caterer will need a final head count.

•

Set a party agenda. What time will the entertainment

20 | YOU R HOME M AGA Z IN E®

2 to 3 Days Ahead

The Day Before •

Set out your supplies.

•

Confirm the arrival times for your caterer and entertainment.

If ordering food from a delivery service, call to arrange a delivery time.

•

If necessary, confirm with the entertainer and/or any helpers who you've asked to attend.

4 to 5 Hours Before •

Set the table and decorate your party space.

•

Show the caterers where to set up and double-check the menu items they’ve brought with them.

•

If you need to rearrange furniture, do so now so you aren’t rushed when the entertainment or first guests arrive.

1 to 2 Hours Before •

Get yourself ready!

•

Consider putting your pets in an area away from guests.

•

If using help or childcare, have them arrive before the party so you are able to focus on getting ready and the children are adjusted before your guests arrive.

•

Show your co-host/help around the party space and discuss what you would like them to help you with.

•

Enjoy your well planned party!

YOUR HOME MAG AZ INE® | 21

TOP PICKS MUD AUSTRALIA MATTE PORCELAIN SERVING BOWLS $92-$446; food52.com

winter blues We all know one of the best aspects of life in Southwest Florida is the weather. Our winter blues are thankfully a bit different than those up north, and with the coastal style so popular here, this color never goes out of style. It's so versatile and comes in so many shades and hues from rich navies to bright teals. Here are a few of our bluethemed top picks for your home!

TURNED WOOD LEG STANDING PLANTERS $179; westelm.com

JUKO BLUE JAR see website for pricing; curreyandcompany.com GLASS KNOT IN ICE BLUE $59; westelm.com 22 | YOU R HOM E M AGA Z IN E®

TEXTURAL BLUES PILLOW SET $195; westelm.com

INDIGO BLUE AND IVORY ALVARO BOWLS SET OF 4 $31.96; worldmarket.com

ALEJO HANDKNOTTED RUG $139-$2799; potterybarn.com

STRIPED BLUE LINEN NAPKINS SET OF 2 $44; food52.com

KITS CASCADIA BLUE SOFA $1599; article.com YOU R HOME MAG AZ INE® | 23

MAKING SENSE OF INSURANCE

BY J E N N I FE R T U D O R It’s that dreaded nine-letter word—insurance. We’ve all got it, in fact, some of us have lots of it and it’s one of life’s “necessary evils”. But how many people truly understand the policies that we pay for year in and year out?

Let’s take a look at the basic homeowners policy. For most, our homes are our largest assets and as such we want to protect them. Your homeowners insurance policy then should be set up to protect that prized asset, and prevent financial loss to you, the homeowner. But what does that really mean? Have you ever tried to navigate your way through your policy in hopes of better understanding exactly what is covered and what you are shelling out all of this money for? If you have, you’ve probably given up about halfway through the first page. Today, let’s take a moment to examine the basics.

First, your policy is set up to protect the structure itself which is outlined under the “dwelling” portion of your policy. Remember this value reflects the amount to which it would cost to replace the existing structure. Items such as land value, lot premium, and/or purchase price are not good indications of what should be evaluated when calculating this value. In addition, this will cover any other items physically attached to the home,

24 | YOU R HOME M AGA Z IN E®

such as a pool. While we are addressing pools under the property coverage portion, another important item to consider is the pool cage. Many carriers insure the pool cage only by endorsement (an add-on to your basic policy) and some will not offer coverage to this item at all. As damage to or loss of a pool cage structure is extremely high in the event of a hurricane, be sure to check your policy to verify that it includes this valuable coverage.

The next coverage, which may or may not apply is your “other structures” coverage. This item is set up to protect any structures that are not physically attached to the main structure—detached garages, fencing, workshops, or a shed. Many carriers will include this coverage as an automatic percentage of the dwelling coverage, generally 2-10%.

Another item to review carefully is your personal property coverage. This will cover the loss of any personal belongings, furniture, and electronics.

For this item, there are two types of loss settlements- replacement cost and actual cash value. With the actual cash value option, your belongings are covered for their current replacement cost minus depreciation. Depreciation will be determined as the total decrease in value of an item due to its age, condition and other contributing factors. The second and most common

type of loss settlement is replacement cost. In this case, your belongings are covered for the amount that it would cost to replace that same item at the time of the loss. For this reason, the replacement cost coverage does carry a higher premium. In addition to considering the type of loss settlement, you will want to also consider the actual items you are insuring, and whether your policy is adequately covering those items-especially in the event of a loss due to theft. Did you know that most policies have a maximum amount that they will pay out on items like jewelry, fine arts, furs, and firearms, which generally maxes out at around $2,500? For items of value, it is important to consider scheduling those items onto a personal articles floater to ensure financial protection.

In the event that you are unable to live in your home due to a covered loss, your homeowner’s policy will also afford coverage for such a situation through the “loss of use” coverage portion of your policy.

This item is generally a pre-set amount determined as a set percentage of your dwelling coverage.

Yet another important coverage included under your homeowners insurance package is your liability coverage, which will generally include a separate limitation for medical payments. These items are set up to directly protect you and your family’s assets in the event that someone sues you for damages incurred on your property, or as a direct result of a member of your immediate household. Keep in mind that most policies will have either separate exclusions or endorsement requirements for animals (even household pets) as well as trampolines, watercraft, ATVs and pool slides/diving boards. Be sure to consult with your agent if you feel that any of these exclusions could result in a gap in coverage.

As you probably know, in the event of a loss there will still be some financial obligation that remains on your shoulders, prior to any payment being made by your insurance carrier. These amounts are of course known as your “deductible”. For this reason, it is important to choose a deductible that fits your financial comfort level. Policies including

wind will have two separate deductibles. Your first deductible, known as your “all peril” deductible will be a fixed amount (ie. $1,000, $2,500). This deductible will apply to any covered losses other than a “named storm”. Your second deductible will be your hurricane deductible, which for many years was required to be a set percentage of your dwelling coverage (typically 2, 5, or 10%), however there are many carriers that now offer either a diminishing or flat hurricane deductible, which can significantly reduce your out of pocket obligation. You will note that of course, there is a direct relationship between the deductibles you select, and your total premium—the higher deductible option selected, the more you can expect to reduce your total premium, and vise versa.

On that note—flood insurance, flood insurance, flood insurance! Time and time again, I explain coverage to my clients and I get the same response—”right, but if we have a hurricane, and we get so much rain that it causes water to rise into my property, my homeowners policy will still cover that, right?”

—Wrong.

Unless you have purchased by separate endorsement, your homeowner’s insurance policy specifically excludes such coverage. Any rising water, as an act of God, is covered only under a flood policy.

For more information, I encourage you to visit floodsmart.gov which is an excellent resource for homeowners interested in evaluating their potential risk.

The last thing to consider is your availability of credits. From the roof that you recently replaced, to the security system that was just installed, or the guard that greets you in your community, there are all kinds of credits available to homeowners in our area, so make sure that you currently receiving any and all credits that you may be eligible for. In addition, if you have not had a wind mitigation inspection completed on your home, and it was built prior to 2002, you are potentially missing out on 30-40% in premium reductions based on items ranging from the shape of your roof to the way your roof deck is attached. Consult with your agent to make sure that you are maximizing your savings!

Founded in 2000, Gulf Coast Insurance, LLC, is a leader in providing quality protection for hundreds of individuals, families, and businesses throughout southwest Florida. Superior customer service and low rates along with our ability to understand our customer’s coverage needs drives the success of our agency. By offering world class protection for your auto, home, flood damage, business, and life insurance, we make sure that you’re covered today as well as in the future, so that you can focus on what’s important to you and your family. At Gulf Coast Insurance, LLC, our #1 job is to assist you in identifying your needs and problems while putting together a customized plan that’s simple and easy to understand.

239.403.3940 7795 DAVIS BLVD SUITE 205 NAPLES, FL 34104 INFO@GCIMAIL.COM GULFCOASTINSURANCE.COM

YOU R HOME MAG AZ INE® | 25

MODERN C O A S TA L LIVING 26 | YOU R HOM E M AGA Z IN E®

W

HEN LAURIE WALTER was asked to design the interior for this beautiful Talis Park model, she was stepping into a familiar world. “This is actually my personal home’s layout, so I had a great advantage with knowing how the condo lives and feels,” she explains. Working with WCI for Lennar, she wanted to create a modern space with comfortable touches added through color, texture, and light. “People are so drawn to this space because it is friendly and open, and are then are surprised to find that as a condo it lives like a single-family home.” Her design infuses a feeling of modern coastal living perfect for the neighborhood’s location and residents.

Elevator Entry In the entry, shiplap is the star. Made popular by home and garden TV shows, this material works so well in our coastal environment. Benson Cobb artwork has been hung over a chrome entry table which adds a pop of contemporary style to the versatile shiplap, giving it a modern feel. The diagonal, faux wood porcelain tile is the perfect base for this contemporary home.

Group Seating In the great room, two seating areas were created to help define the open space. Four chairs by Precedent in a light linen fabric have been placed around a matching bench to create a comfortable chat area. Further into the room a sectional with 20-inch accent pillows surrounds a glass cocktail table with faux horn legs, an element Walter says is one to look for in the design world as it continues to grow in popularity. Drapes add an infusion of ultramarine and the color blocking pattern is fresh and contemporary. The room is illuminated by Kichler chandeliers and the space is further delineated by a drop down ceiling feature over the chatting area.

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Dining Center The eat in kitchen is the perfect blend of a casual space and elegant entertaining area. The dry bar adds a convenient serving area and houses a beverage center. “I wanted to keep the area open so a glass top table from Sunpan was chosen. The reflective chrome legs on both the Palecek chairs and the table adds to the lightness of the space,” Walter explains. Cornices in a modern, geometric tone-on-tone pattern complements the chrome and acrylic chandelier.

Den Envy The den is a cozy space and thanks to the sleeper sofa that can create an extra guest bedroom. The cobalt blue linen ties the space into the great room and wood legs lend a more casual feel. Above the sofa hangs an original piece of art and a wonderful modern desk and chair combo balance the room. Walter explains, “When possible, I like to use a dining chair as a desk chair so it can be used for overflow if there are extra guests. It’s an old trick of the trade!” Cabana striped window treatments add interest and frame the room’s focal point, the lanai and view beyond where pops of blue are repeated in the outdoor furniture. A hide rug and silver bunching stools finish the room.

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Master Space In the master bedroom, Walter wanted people to feel peaceful as the entered the space. She believes the master should be a retreat saying, “This room has to be a calming, tranquil space so I chose to use my new favorite neutral, City Loft by Sherwin Williams. It looks beautiful next to white trim.” The height of the tufted headboard complements the size of the mirrored chests placed at either side of the bed. In larger rooms, Walter suggests using larger furniture pieces as nightstands as they help balance the space. At the foot of the bed, a bench by Precedent offers storage and seating. This bench is customizable making it the perfect piece for any room and design style

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Thoughtful Host The king guest bedroom is the perfect space for out of town guests to relax. A unique window seat creates a sun-drenched reading area with a cornice in a beautiful cornflower blue. In fact, the cornice color was so loved by Walter and her team it served as the inspiration for the whole room. The bed, by Bernhardt, has been given comfortable bedding and accent pillows with a touch of elegant shimmer. Modern stools at the end of the bed bring in the chrome used in the main living areas and give guests a place to put luggage as they unpack. In the corner, a faux tree stump has been placed next to an accent chair continuing the theme of a modern, warm coastal home.

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Light Vibrance A second guest bedroom offers a vibrant contrast of orange and grey and silver. “This particular room is difficult to arrange because the only wall that can be used as a headboard wall also has windows,” explains Walter. Her workaround was to choose a bed by Wesley Allen with a low profile so the light could still stream through.

She then added bright orange lacquered night stands with chrome bases from Worlds Away and paired them with solid Gallery Design lamps.

Echoing the drapes in the great room, Walter once again used color blocking to create a contemporary window covering and has finished the room by layering texture and color to create a polished space.

Outdoor Excellence The lanai feels like an extension of the great room thanks to the continuation of the tile from inside the home. The area is covered and screened in for shade and bug protection. A fabulous concrete table by Urbia is the perfect piece for this indoor/outdoor space. A seating area with Zuo chairs is accented with pops of blue that complement the colors of the great room just beyond. Walter suggests keeping outdoor colors similar to inside ones but ramping up the intensity.

“Outside light is always going to be brighter than the light inside your home so a more vibrant or saturated material can stand up to the intensity.”

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merry & bright Who doesn’t love a home decorated for the holidays? Building on tradition year after year, the decorations in your home create a special backdrop for memories to be made as friends and family gather. While traditional items and colors can be fun, if you’re looking for a more modern theme, we have a few suggestions. Choose items with muted colors as they are more likely to match your current design scheme. Mixed metals add festive sparkle and can be used throughout the home and natural elements like eucalyptus and holly can be added to take your decor to the next level.

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1. Iron Oak Leaves + Axcorn Bundle; $16; shopterrain.com 2. Kraft and Glitter Leaf Garland, Gold; $29; westelm.com 3. Faux Potted Berry Branch Sage Topiary; $39.50; potterybarn.com 4. Premium Flicker Flameless Sugared Birch Wax Candles; $64-$84; potterybarn.com 5. Seeds and Berries Magnolia Wreath; $99.95; williams-sonoma.com 6. Mercury Glass Hurricanes; $45-$55; ballarddesigns.com 7. Fern & Beetle Wreath; $468; shopterrain.com 8. Flash Milk Glass Cool Trees Set of 3; $99.85; cb2.com 9. 42ct Glass Round Ornament Set; $20; target.com YOUR HOME MAG AZ INEÂŽ | 33

LOC AL LOOK

NA P L ES K I T C H E N & BAT H Naples Kitchen & Bath is a full-service design-build firm specializing in medium- to large-sized residential renovation projects. We work with individual homeowners and can partner with your interior designer or architect to renovate a condo or single family home here in southwest Florida.

At Naples Kitchen & Bath, our entire team works to ensure your renovation runs smoothly, finishes on time, and exceeds all of your expectations. Our team has over 100 years of combined industry knowledge, and we apply every bit of that teamwork and experience to each renovation project we take on. In this industry, such a combination of experience and the foresight it brings can be hard to find.

We recently used our team experience to renovate our showroom and design center. In addition to replacing the floors and lighting throughout the space, we reconfigured the main floor plan, updated the conference room, kitchen, and master suite displays, and built custom shelving for the samples in our selection center. We also installed seven beautiful vanity vignettes that highlight the selection of styles that work within the coastal color palette we love here in sunny Florida.

Winning the 2019 Sand Dollar Award for best Showroom under $1,000,000 means a lot to our entire team. Both our field and office staff contributed greatly to this project. To be recognized by our local industry peers is a great honor and a fantastic way to kick off the upcoming season!

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Winter

WANDERLUST Brilliant stars, clear skies, sparkling ice, the colors of the Northern Lights— there are some magical destinations to consider this time of year, while many people are making their way south for winter. Book a fantastic trip to these breathtaking locations and grab your favorite scarf, gloves, and a camera!

BANFF NATIONAL PARK ALBERTA, CANADA

Located within Alberta Canada’s Banff National Park, Banff is a resort town known for spectacular wildlife viewing and sightseeing. Mt. Rundle and Mt. Cascade create the iconic natural skyline and the main thoroughfare hosts shops and restaurants as well as château-style hotels. While the park is great for hiking, paddling, and mountain biking, in winter it has incredible downhill and cross-country skiing thanks to the mountain-filled landscape. There are three major downhill ski resorts in the park—Lake Louise Ski Resort, Sunshine Village, and Mount Norquay.

Combined, they offer a large skiable terrain on top of the back country trails available throughout the park. You can also enjoy wildlife tours, ice walks, snowshoeing, and dogsled and horse sleigh rides. After you’ve hit the slopes, warm up in the geothermal Banff Upper Hot Springs, which is the original reason for the national park’s creation.

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BAVARIA, GERMANY

Nothing says winter wonderland like the picturesque German state of Bavaria. In fact, when you think of quaint villages with half-timbered buildings nestled in the Alps, chances are you’re envisioning Bavaria. In the winter, this land of storybook castles and breathtaking views becomes even more magical as it sparkles under a blanket of snow. Sights like Schloss Neuschwanstein (the castle used as the model for Sleeping Beauty’s castle), the tallest mountain in Germany, the Zugspitze, and crystal clear lake Eibsee are especially beautiful in winter. Bavaria is also home to some of the most famous cities in Europe—Munich and Frankfurt.

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TRONDHEIM, NORWAY

While Trondheim is not a big city by European standards, it is the third largest in Norway, and the country’s historic capital, which means there is a wide range of things to do and see. From its colorful warehouses, beautiful waterways with quaint fishing boats, and lovely wooded hills, Trondheim is extremely photogenic, so visit with cameras charged. Beyond the city’s outskirts there’s a range of wilderness to wander through. While the city has many sights to explore, the Nidarosdomen cathedral is something you won’t want to miss. The intimate city center is combined with exciting shops making Trondheim a popular city for shopping. Here you can enjoy many independent shops selling unique items, particularly in historic Bakklandet. Trondheim also has a strong focus on local food and many establishments serve a wide range of excellent locally brewed beers.

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REYKJAVÍK, ICELAND

Reykjavík is the capital of Iceland and the country’s largest city. Located on the southern shore of Faxaflói Bay, it is home to around 128,000 people. It is also among the cleanest, greenest, and safest cities in the world. If you’re interested in history, take a trip to the Settlement Exhibition built around an unearthed Viking longhouse or the National Museum. The Saga Museum or Old Harbour are great places to learn about the area’s maritime history.

For art buffs, the Reykjavík Art Museum and National Gallery feature cutting-edge Icelandic design and edgy contemporary art galleries showcase emerging and internationally famous Icelandic artists. No matter how long you spend in Reykjavik, make sure you take a trip to the countryside. Just outside the city the snow-capped mountains, churning seas, and crystal-clear air hint at Iceland’s ancient past. Iceland is a great destination for viewing the Northern Lights with tours from Reykjavík available from September to April, the prime Northern Lights months.

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ASPEN, COLORADO

Closer to home, Aspen proves that you don’t have to grab your passport to have a fantastic winter experience.

At the heart of the White River National Forest and surrounded by the peaks of the Elk Mountains, Aspen is one of the world’s most famous mountain destinations with four ski slopes offering some of Colorado’s best powder turns. When you’re done on the slopes, there are excellent restaurants on nearly every corner of the historic downtown. Aspen’s beautiful scenery and open spaces are perfect for other types of winter recreation, like cross-country skiing, snowshoeing, fly-fishing and even hot-air ballooning. Lodging in Aspen can range from camping to five star resorts, so there is a room for everyone. Just make sure you book early!

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classic comforts

Winter, even in Southwest Florida, comes with the desire to enjoy comfort foods with friends and family. Classic dishes like succulent roast chicken, creamy broccoli cheddar soup and rustic bread are sure to please and satisfy any hearty cravings this season!

easy roast chicken 1 (5-6 lb) roasting chicken

2 tablespoons butter, melted

Kosher salt

1 large yellow onion, thickly sliced

Freshly ground black pepper 1 lemon, halved 1 head garlic, cut in half crosswise

1 fennel bulb, cut into wedges with tops removed Olive oil

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Preheat oven to 425°F. Remove the chicken giblets and rinse the chicken inside and out. Remove any excess fat and pat the outside dry. Liberally salt and pepper the inside of the chicken. Stuff the cavity with lemon halves, and all the garlic. Brush the outside of the chicken with the butter and sprinkle again with salt and pepper. Tie the legs together with kitchen string and tuck the wing tips under the body of the chicken. Place the onions and fennel in a roasting pan. Toss with salt, pepper, and olive oil. Spread around the bottom of the roasting pan and place the chicken on top.

Roast the chicken for 11/2 hours, or until the juices run clear when you cut between a leg and thigh. Remove the chicken and vegetables, place in a dish, and cover with aluminum foil for about 20 minutes. Slice the chicken onto a platter and serve!

broccoli cheddar soup 6 tbsp. unsalted butter

1/4 tsp. ground nutmeg

1 small onion, chopped

Kosher salt pepper

1/4 cup all-purpose flour

4 cups broccoli florets (about 1 head)

2 cups half & half 3 cups low-sodium chicken broth 2 bay leaves

1 large carrot, diced 21/2 cups (about 8 oz.) grated sharp cheddar cheese

Melt the butter in a large pot over medium heat. Add the onion and cook until tender, about 5 minutes. Whisk in the flour and cook until golden, 3 to 4 minutes, then gradually whisk in the half & half until smooth. Add the chicken broth, bay leaves and nutmeg, then season with salt and pepper and bring to a simmer. Reduce the heat to medium-low and cook uncovered, until thickened, about 20 minutes.

Add the broccoli and carrot to the mixture and simmer until tender, about 20 minutes. Discard the bay leaves. Puree the soup in batches in a blender until smooth; you’ll still have flecks of carrot and broccoli. Return to the pot. (Or puree the soup in the pot with an immersion blender.)

Add the cheese to the soup and whisk over medium heat until melted. Add up to 3/4 cup water if the soup is too thick. Enjoy with a hearty bread. Yields 4 servings.

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simple rustic bread 1½ tablespoons yeast 1½ tablespoons kosher salt 6½ cups unbleached, all-purpose flour, more for dusting dough 3 cups lukewarm water, plus 1 cup for broiler pan Cornmeal for dusting

Mix yeast and salt into 3 cups lukewarm water. Stir in flour and mix until there are no dry patches—the dough will be loose.

Cover bowl with a dish towel and let the dough rise at room temperature for 2 hours.

To bake, sprinkle a little flour on the dough and cut off a grapefruit-size piece with a serrated knife. Turn the dough in your hands to lightly stretch the surface, creating a rounded top.

The bottom will be lumpy. Put your unbaked loaf on a pizza peel sprinkled with cornmeal and let it rest for 40 minutes. If you don’t have a pizza peel, a large cutting board works as well.

Preheat oven to 450°F. Place a broiler pan on the bottom of the oven and a baking stone on the middle rack. Heat the stone for 20 minutes.

Dust dough with flour, and slash the top with a serrated or very sharp knife a few times. Slide onto stone. Pour one cup hot water into broiler pan and shut the oven quickly to trap steam.

Bake about 30 minutes or until well browned. Cool completely.

Remaining dough can be stored in the refrigerator for up to two weeks.

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be cool

The artful union of home and habitat rooted and grounded in love

TENDER LOVING GARDEN CARE 239.776.5258 www.greenerywizard.com beth@greenerywizard.com

Southwest Florida’s Largest Selection of Natural Stone Adding Counter Tops, Outdoor Kitchens, Cabinets, and Flooring shouldn’t be a difficult process.

That is why we have trained our employees to assist you with your vision. Visiting us is the best way to see all the options we have We take great pride in keeping an inventory that lets us match your wants, and needs. Our goal is to satisfy our clients completely. We create each project completely unique, and finish to your liking.

239.734.8677 www.countertops-more.com 4202 Tamiami Trail N, Naples, FL 34103 46 | YOU R HOM E M AGA Z IN E®

Celebrate the

Magic

Come Enjoy Our Completely Remodeled Showroom & Outdoor Garden Center

Marvel at the New Products and Services for Home & Garden Rare Plants & Unique Gardening Accessories Including: Succulents, Cacti, Hostas, Pavers, Pergolas, Custom Water Features, Statuaries, Free Landscape Design, Installation, Irrigation, and Outdoor Lighting.

Where the Magic Grows!

239-597-4414

1717 Pine Ridge Rd., Naples

williamsmagical.com

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JENNIFER TUDOR AGENT

ALBERT DORIA JR. AGENT/OWNER

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DIANA HALL DESIGN

YOUR HOME: ANYWHERE

A full service boutique interior design firm devoted to an inspired sense of style and impeccable client focused services.

@yhmagazine 239 398 5423 1959 Trade Center Way Naples, Fl 34109 dianahalldesign.com

@yhmagazineinc @yourhomemagazine

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****************ECRWSSEDDM**** 4601 Evergreen Lake Rd Naples, FL 34112

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HANDCRAFTING HOMES, BUILDING RELATIONSHIPS FOR OVER 30 YEARS

Toscana Homes takes pride in knowing that every single home is designed, crafted and built with extraordinary care.

Our passion for homebuilding and attention to detail result in a product that is a direct expression of our client.

2780 Horseshoe Drive South | Suite #7, Naples, Florida | 239.261.0600 | www.toscanahomes.com