House Insurance Comparison: Overview of Factors That Affect Rates & How You Can Choose a Policy

As with any type of insurance, you are probably interested in getting the best possible deal on home insurance. Thankfully, there are tools that make it possible to not only search for policies, but to do house insurance comparison with multiple quotes to find the best one for you.

For some homeowners, price matters more than anything. This should not be the case, though, since overall value is more important than cheap rates. Consider both the premiums and deductibles. Think about the rebuilding costs of your home. How much will it cost to literally replace everything is your home and property is utterly destroyed? The current value of your home and the rebuilding price will not be the same. Try to estimate how much you will be able to afford to pay in deductibles in the worst case scenario and keep that in mind when doing house insurance comparison.

Here are some of the factors that affect the insurance quotes you will get:

• Home’s type of construction and age

• Location

• Credit score

• Deductible

• Certain risk factors (swimming pool, trampoline, aggressive dog breeds, etc… )

• Claims history

• Roofing material

• The yard / property / landscape

Older homes have a higher chance of something going wrong regarding the electric wiring, plumbing, HVAC systems, ceiling, and construction in general.

House Insurance Comparison of Coverage Types

There are certain things that general home insurance policies don’t cover. Make sure you know exactly what is covered and what isn’t before you make your choice. Sometimes it is the matter of gaps in the coverage, where the policy owner thought they were protected but either had incorrect or insufficient coverage. Such issues can be avoided by carefully reading over the terms of each quote you are provided with.

Flood insurance, for instance, isn’t always covered in basic policies. If you live in an older home and have concerns about plumbing, or live near a body of water, this is something you will definitely want to think about. All it takes is a few inches of water to utterly destroy your flooring and some of your furniture. Even a small stream can become a raging river if there is enough rain.

Discounts are sometimes available, especially if you install safety and security equipment.

Where can you get started with house insurance comparison? All you have to do is look into the unique insurance platform set up by Lemonade. It even has a neat AI bot that will help craft the perfect insurance for you. Get affordable, reasonable rates – especially if you use Lemonade House Insurance discounts.

Will Wallpaper Affect The Sales Price Of Your Home?

The Hester Prynne of literature might have worn a scarlet A to mark her past transgressions, but the house with too much wallpaper might be marked by a giant W in the minds of buyers. Wallpapering every room with pattern-intense wallpaper is a trend that goes in and out of vogue and was last popular in the U.S. in the 70s. Now, potential buyers who spurn its scarlet letter treat a home with too much of it with disdain.

Why Buyers “Hate” Wallpaper

Too much wallpaper can impact the sales price of a house, especially for the new generation of buyers who want homes that are “move in ready.” Previous buyers expected to remove unsightly wallpaper, repaint, and make minor initial improvements when they first moved in. Many buyers now regard what they don’t like as a deal breaker or as license to make a lowball offer for the inconvenience of changing a home to reflect their personal tastes.

Modern tastes tend to be more minimalist. Rooms with florals, plaids, or other prints on the walls and even the ceilings can be overwhelming and make a house look outdated. Large amounts of big flowers remind many people of their great grandmother’s house. Mirrored foils remind people of the 70s and 80s. Why wallpaper is such a big impediment to people often comes down two main factors.

First of all, many buyers have no vision and have a hard time imagining what a room would like without the wallpaper or with different paint. Even more than paint color, wallpaper is a reflection of personal taste. Real estate agents suggest that sellers make their homes more neutral to help buyers in seeing themselves in the space; even then, the result does not appeal to everyone.

Second, the older the wallpaper is, the more likelihood there is that removing it will be difficult. Some dry, strippable wallpaper from 20 or 30 years ago may come right off, but this is not always true, especially if the built-in glue was reinforced with paste. Other types of wallpaper bond to the wall, which makes removal challenging.

Does Wallpaper Impact The Ability To Sell A Home?

Some Realtors® note that whatever wallpaper is in place seldom meets the taste of a new buyer. Based on this, paint is safer. As a seller, should you remove the wallpaper in your house before you put it on the market? As you refurbish rooms, should you add new paper? The common wisdom is that you should be careful in your use of wallpaper when your main purpose is to sell your home. If you can, take it down.

Wallpaper can add a dramatic look to a room when used in moderation. Adding an accent wall of wallpaper that is coordinated to the paint color can make a room pop. Many interior designers recommend this technique. In cases where walls are in less than perfect condition, wallpapering with solid or textured paper can enhance the appearance of the room. Just make sure to select strippable paper.

Even if you’re selling, you can take advantage of the benefits of wallpaper. You just have to remember that you are preparing your home for someone else, not exercising your taste to make your home how you want it. When you move into your new home, you will once again have the freedom to craft your space for you and your family.