Don’t Be Confused By Home Owner’s Insurance

Your Rochester, New York home inspection company, HomePro Inspections, is pleased to share with you helpful information about homeowner’s insurance.

homeowner's insurance as an example for rochester, new york homesMany people have home owner’s insurance but do not really understand the details of that means. This has become very common and is something that needs to be fixed. By reading the following article, you are not going to fall into that category. You are going to be given relevant information that will help you better understand your home insurance policy.

A lot of people that rent don’t think about getting renter’s insurance. While your landlord may cover the building, your belongings won’t be covered. You have to buy your own insurance policy to protect your things in case of flood, fire and theft.

As you compare rates and request quotes for homeowner’s insurance, don’t forget to include any information about security features in your home. You can cut premium price as much as 5% if you get a security system which alerts a security service offsite if there is a fire or burglary.

Having a home security system installed, especially one that has a monthly monitoring system against burglary, can seriously reduce a homeowners insurance premiums. The cost of your system can be partially recouped in the monthly or yearly savings you will make, and of course, you will have peace of mind. It can also mean that you will feel safer when you are at home.

You should always review your homeowner’s insurance policy annually to make sure that you still have the right policy for your home. Compare your premiums with quotes from other insurance policies. Be sure to take note of any changes that could affect your premiums, both on your property and in the neighborhood.

You may not think you need flood insurance if you live outside a high-risk flood area, but it may be a smart idea anyway. About one-quarter of the federal disaster claims made for flooding come from homes and residences outside of high-risk areas. Living in low or medium risk areas means big discounts on flood insurance.

An alarm system can help lower your premium. Insurers want to know they’re insuring people who care about safety. After you put in something like this, let the company know so that your policy rate can be adjusted accordingly.

As stated at the beginning of this article, many homeowners do not understand what their home insurance policy is really about. The information given to you in the above article will help you get a better understanding to what the details of your home insurance mean for you and your family.

george cline rochester, new york home inspector and owner of homepro inspectionsGeorge Cline is President of HomePro Inspections which he founded in 1991. George is a  NYS licensed professional engineer, a NYS Certified Radon Measurement Provider, and a NYS approved Technical Instructor for continuing education. In addition to full home and commercial property inspections, George consults with home and building owners on specific concerns such as wet basements, structural issues, roofing problems, heating and cooling systems, ice damming and attic ventilation problems. He has trained several home inspectors in the field and is a certified member of the American Society of Home Inspectors (ASHI). Give George and his Team a call to schedule your Rochester, New York Home Inspection at 585-670-6323 or schedule your inspection Online at http://www.rochesterhomepro.com/blog/schedule-now/

Be A Savvy Buyer: Try Using These Tips When Buying Real Estate

Your Rochester, New York home inspection company, HomePro Inspections, is pleased to share with you how to be a savvy buyer of real estate.

home being sold in rochester, new york as an exampleBuying real estate can really be a risky venture, one that can take everything within you to get through; but that is only if you aren’t prepared. With these tips, you can prepare yourself for any real estate search, whether you are starting online or getting a start through an agency in your area.

Ask your realtor for information on sales from their brokerage or themselves over the last year. This can be a determining factor in whether or not you have a strong enough realtor making decisions with you. This gives you a good idea of both their experience and strengths in the real estate market.

If you have kids and are looking at buying a house, try to include your children during the search process. So much of their life will be changing with the move and by including them in the search you will make the transition a little bit easier. They will feel like they can have some sort of input in the change.

An important aspect to consider when buying a house is the number of bedrooms. Each neighborhood was built in a family model in sight so it is easier and usually cheaper to find a 3-4 bedroom house in an area where most of the houses have 3-4 bedrooms. If the neighborhood usually has smaller houses, you will pay much more for the extra bedroom.

Working with a realtor when looking for a new home will benefit you in many ways. They can arrange the showings of the houses, track the properties that you have already seen and find the homes that have the features that you are looking for. It will save a great deal of time and effort on your part by hiring an experienced agent.

Always sign a contract to buy a home “subject to satisfactory inspection”. No matter how beautiful a home is, there could be hidden problems that a good inspector can uncover quickly, such as a bad roof or untrustworthy wiring. If the inspector does discover any major issues, the contract can be ammended so that the seller either has the repairs made before the sale closes or the sales price is lowered to reflect the defects.

If you really want to be sure of the purchase you make in real estate, you want to have the information needed to make a wise decision. With the guidance provided in this article, you can understand better what it takes to make a successful real estate purchase, and how to safeguard against common risks.

george cline rochester, new york home inspector and owner of homepro inspectionsGeorge Cline is President of HomePro Inspections which he founded in 1991. George is a  NYS licensed professional engineer, a NYS Certified Radon Measurement Provider, and a NYS approved Technical Instructor for continuing education. In addition to full home and commercial property inspections, George consults with home and building owners on specific concerns such as wet basements, structural issues, roofing problems, heating and cooling systems, ice damming and attic ventilation problems. He has trained several home inspectors in the field and is a certified member of the American Society of Home Inspectors (ASHI). Give George and his Team a call to schedule your Rochester, New York Home Inspection at 585-670-6323 or schedule your inspection Online at http://www.rochesterhomepro.com/blog/schedule-now/

Rochester Real Estate Trends For 2014 And Beyond

Your Rochester home inspection company, HomePro Inspections, is happy to share with you the top trends for 2014: meeting buyer demands in a seller’s market.

rochester real estate trends being displayed in a home with specific qualities like energy efficiencyWith many real estate industry watchers predicting 2014 will be a seller’s market, you may think you won’t need to do much to sell your home this spring. Not so fast – while more buyers are likely to be competing for homes, that doesn’t mean they’re willing to settle for less than perfect. In fact, coming out of the real estate crash of a few years ago, buyers have learned the importance of getting the maximum value for their home investment.

While home prices are expected to rise in 2014, buyers continue to have high expectations. Homes that meet buyers’ lists of “must-haves” and “would-love-to-have” features will be positioned to sell more quickly and closer to – or above – list price, experts say. So what are homebuyers looking for in 2014?

Whole-home, beautiful energy efficient features

In the earliest days of the efficiency trend, many buyers would have settled for a house that reduced heating and cooling costs through good insulation, or cut electricity bills with energy-sipping appliances. Modern buyers, however, are interested in homes that take a holistic approach to energy efficiency. That means supplementing energy savings with more thoughtful features like daylighting and natural ventilation through energy-efficient skylights, using solar-powered water heaters, and employing intelligent controls for skylights, other lighting and heating/cooling systems.

Buyers want energy-efficient upgrades that also offer high aesthetic appeal in addition to functionality, making features like ENERGY STAR-qualified skylights particularly popular. In fact, 55 percent of homebuyers in a National Association of Home Builder’s survey said skylights are desirable or essential. Skylight manufacturer VELUX America notes that installing no-leak, solar-powered fresh air (venting) skylights not only enhances indoor air quality, but can boost energy efficiency, working in concert with windows. Add remote-controlled, solar-powered blinds and skylight energy performance ratings can improve as much as 45 percent. And solar powered skylights and blinds, as well as the installation costs, are eligible for a 30 percent Federal tax credit.

Smarter size and space

While buyers will always look to get the most bang for their buck, many are deciding that “bang” does not necessarily mean “bigger.” The great recession saw many families downsize into smaller homes – with more manageable mortgages. Even with the economy moving again, many homeowners have found they like the efficiency and utility of smaller, more purposeful spaces.

The functionality of a room is now as important as its size. Buyers will continue to embrace rooms that make the most of the space available, such as compact kitchens that maximize storage, smaller bathrooms that optimize lighting efficiency and privacy, while saving wall space through use of skylights, and open rooms that serve multiple purposes. To see how skylights would look in any room in your home, get a skylight planner app, take pictures in your home, and overlay skylights and blinds on the images with a few clicks.

Aging-in-place potential

As more baby boomers approach and enter their golden years, homebuyers are looking toward the future and seeking homes that offer the potential of allowing them to age in place. In demand are home features that not only look good now (such as an open floor plan or larger bathroom) but that can be easily adapted for older occupants who may face challenges with mobility, vision and other age-related issues.

A range of home features fit the bill, including ground-floor bedrooms, ample natural lighting to enhance vision, open floor plans that minimize obstacles to mobility, larger bathrooms that can easily be fitted with grab bars, kitchens with age-friendly features such as touch faucets, and smaller yards with lower maintenance requirements.

While higher demand and less inventory are likely to make 2014 a better year for sellers than buyers, if you’re selling your home, knowing what buyers are looking for can help ensure a faster, more rewarding sale – in any market.

George Cline Rochester Home Inspector posing for a professional photo in a shootGeorge Cline is President of HomePro Inspections which he founded in 1991. George is a  NYS licensed professional engineer, a NYS Certified Radon Measurement Provider, and a NYS approved Technical Instructor for continuing education. In addition to full home and commercial property inspections, George consults with home and building owners on specific concerns such as wet basements, structural issues, roofing problems, heating and cooling systems, ice damming and attic ventilation problems. He has trained several home inspectors in the field and is a certified member of the American Society of Home Inspectors (ASHI). Give George and his Team a call to schedule your Rochester Home Inspection at 585-670-6323 or schedule your inspection online at http://www.rochesterhomepro.com/blog/schedule-now/