Posted on
April 27, 2017
by
Mike Nielsen
Does Your Home Insurance Cover Everything?
When you suffer damage to, (or the loss of), your home or its contents, you
expect your insurance company to help you out. And, most do a good job of
doing just that.
Still, it’s a good idea to review your policy with your insurance advisor and
find out what’s covered and what isn’t. You don’t want to discover that your
policy will not cover the cost of repairing the damage caused by a flood in
your laundry room.
Pay particular attention to coverage in the case of water damage. Some
insurance policies don’t cover floods and sewer backup unless an additional
rider is purchased.
Also, check liability limits. Ask your advisor to recommend an appropriate
level. Finally, make sure you know exactly how much your home is insured
for. Are you covered for the full replacement cost? Are you comfortable with
that coverage or the actual cash value?
Having the right insurance gives you peace-of-mind and is an important part
of enjoying your home.
Keep in mind that experts advise you to review your insurance with your
advisor. Ask lots of questions. Make sure you understand your coverage
fully.
By the way, if you’re looking for an insurance advisor, I’m well-connected in
the local “home” industry. I may be able to give you a couple of names of
good, reputable professionals. Give me a call
Posted on
April 19, 2017
by
Mike Nielsen
The Magic of Decorative Moulding
Decorative moulding is one of the most eye-catching ways to upgrade a
room. You’re probably accustomed to seeing standard baseboard moulding
installed where your floor meets the wall. But, there are many other types.
For example:
• Crown moulding for ceilings.
• Panel moulding for a southern colonial look.
• Chair rail moulding, which is very distinctive on walls.
• Apron moulding for window sills.
• Entablature moulding for above doorways.
Decorative moulding comes in a dizzying array of styles. Interior designers
recommend taking home samples, just as you would take paint swatches, to
test out ideas.
In addition to style choices, you also need to select the material you prefer.
Moulding can be made of wood, plaster, laminate, composite, fiberboard,
vinyl and other materials. There are pros and cons to each. Generally, the
higher-priced options are more attractive and durable. (If you select wood,
you typically have the additional option of “finished or unfinished”. If you
choose unfinished, you of course, will be painting it yourself.)
Choosing the right moulding for the look you want is the toughest part of the
job. Installation is a lot easier and most people with DIY experience have no
problems.
So if you want to add some magic to your walls, consider decorative
moulding. It can turn a room from standard to stunning.
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