Ann Bennett - KELLER WILLIAMS REALTY / Metropolitan



Posted by Ann Bennett on 8/23/2018

Home renovations are generally thought of as a good thing. You can update your home for your own comfort. New amenities will make your life easier. Your home can expand in size. Whatever you are planning to do in your home is bound to have a positive affect. One thing to be aware of when youíre gearing up for the process of any type of home renovation is that of your home insurance. You want to protect yourself and your home as your go through the stages of home renovations. Below, youíll find some tips to help you complete renovations you desire in your home without having surprise insurance bills. 


Check That Your Contractor Has Insurance Coverage


Before you sign a contract with any contractor be sure that they have sufficient insurance coverage. In particular you want to be sure that they have workersĎ compensation coverage and liability insurance. Donít be afraid to ask the contractor for the necessary certificates and confirmation of insurance coverage before you even sign the contract. Itís your right as a consumer to know that your contractor is covered properly.


Beware Of Subcontractors As Well


Just because your general contractor is covered doesnít mean that all subcontractors that are hired have the correct insurance. Electricians, plumbers, and other specialty contractors will need their own insurance on the job. The same rules apply as when youíre hiring any other contractor. Check with the general contractor to understand if their policy will cover all workers that are hired, or if these individuals need to carry their own insurance policies. Check with your home insurance company to see what your home insurance does and doesnít cover during a renovation period on your home. The more knowledge that you have going into the process, the better it is for you. 


For Your Homeownerís Insurance Policy


Once the renovations are complete, youíll need to reassess the policy coverage amounts that you have for your home insurance policy. The renovations that you have completed will undoubtedly increase the value of your home causing you to need to increase the replacement value of your home on your insurance policy. Donít forget to include everything from new appliances to furniture that has been replaced in the renovation. This will help you to avoid any gaps in coverage. This way, youíll know that your home will be fully covered. With the right insurance coverage youíll know that your home is can be rebuilt to the same specifications in the event of a complete loss. You always want this peace of mind as a homeowner.      






Posted by Ann Bennett on 8/13/2017

Every homeowner seems to come to a point where they wonder if itís time to sell their home or renovate the one that they currently have. Whether or not you decide to sell immediately, you can start with some renovations to your home that will offer you a big return on your investments and more comfort. Certain renovation projects are more beneficial than others. Weíll go over some of the best projects that you can take on in your home to add value and comfort to your home.



Curb Appeal Pays 


While you may turn to the inside of your home to make improvements first, itís actually more beneficial to update the outside of your home before you even begin to tackle the inside. Curb appeal can boost the value of your home significantly. 


Check Your Insulation


You can improve the overall energy efficiency of your home by sealing unattended places in the home. Add insulation and sealing right in your attic. This helps to save on energy costs the whole year through. New insulation brings quite a return on value in your home. 


Make Your Spaces Peaceful And Open


If you have plenty of space available in the house, youíll get a big return on your investment. Add a bedroom to the home if you are able. Expand on the master bedroom to include large closets along with a master bathroom. Some of these renovations can become a bit of an expense, but youíll be happy you did them when you get a large return on your investment.     


Add A Deck


Adding an outdoor space to enjoy will not only give you financial returns, it will give you an increased sense of happiness as well. Youíll have a new outdoor space that youíll be able to enjoy for a good portion of the year.


Think Small


Sometimes even small improvements can add returns and more appeal to your home. Does your kitchen need new tile? Could your dishwasher use an upgrade? Maybe the bathroom counter can be replaced. Anything small around your home thatís upgraded can add up. The kitchen and the bathroom are the two rooms of the home that people most desire to have updated. Doing any and all projects in these rooms can have a really big impact on the value of your property. 


After The Renovations


After you complete the desired renovations in your home, live in it for awhile. If youíre still itching to move on from your property, make an appointment with your realtor. There is nothing wasted in doing renovations to your home whether you decide to stay on the property or move on.




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