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4 Upgrades that can help you lower your homeowner’s insurance cost
Homeowners’ insurance premiums continue to rise each year. Here are some simple ways to not only lower your insurance premium, but they can also increase your property value.
- Do you have a bad roof that’s been leaking, has rotting wood, and is as old as you are? Did you know that insurers offer discounts for roof upgrades? Talk to your insurance agent and see what discounts are available with a new roof.
- Storm-Safe Windows and Doors can increase the value of your home, but it can also help you reduce your insurance premiums. Talk with your insurance agent to see what discounts are available to you.
- Install a Home Security System. This is an upgrade that’s relatively cheap and can reduce your insurance premium. Talk to your insurance agent.
- A Water shutoff device is another easy device that you can install which can help reduce your insurance premium. This device will alert you of moisture or leaks in places that shouldn’t have water. Talk with your insurance agent to see what discounts are available.
These are just a few of the things that can help you lower your insurance premiums. Don’t forget to contact your insurance agent when you get these upgrades to update your policy.
Is Buying a Condo Right for you?
So you’re thinking about buying a condo? Buying a condo can make sense for most people! It’s great for retirees, singles, couples, and for 2nd homes or vacation homes.
Consider these before buying a Condo.
Is Condo living right for everyone? A Condo may offer many advantages as well as disadvantages. Here are some Pros and Cons to look at before you decide to buy a Condo.
- Condo living is somewhat like apartment living. Not a lot of parking available for friends and family when they visit.
- If you want privacy then Condo living is not for you.
- Consider the extra fees that are charged for amenities whether you use them or not (pool, clubhouse, gym, game room, etc). Fees for maintenance such as yard work, upkeep for anything outside of your Condo.
- Little or no yard space. Forget about those backyard BBQs with friends and family.
On the other hand, most Condo communities offer a lot of amenities for those who want to take advantage of them.
- Amenities include Work out Rooms, Pools, Clubhouse, get together with neighbors, and more.
- There is the convenience factor
- If you like people and love to interact with your neighbors then this will be a great atmosphere for you. There is a sense of community in Condo living
- No Yardwork ever again! Someone else takes care of the maintenance.
Living the Condo life may not be for everyone. If you love that Condo lifestyle there are lots of great Condos available in the Tampa Bay Florida area.
If you are ready to start your Condo search contact your local Realtor for more information on what’s available.
Redington Beach in Pinellas County, Florida.
Redington Beach Florida can be your next home! Redington Beach is located in Pinellas County and is mostly a waterfront residential community. Redington is close to Madeira Beach, Indian Rocks Beach, and the Intracoastal Waterway.
Why would you want to live in Redington Beach, Florida?
If you are looking for a great waterfront community to live in that is not overrun with tourists and crowded beaches, then this is the place for you. You can find waterfront condos as well as single-family residential homes that are located on the Gulf of Mexico.
Things to do in Redington Beach, Florida
If you live in Redington then you definitely want to have a boat or know someone that does. You can go fishing, hang out at restaurants that all the locals hang out at. You can spend your days shopping, visiting local museums, biking doing Yoga on the beach, or just lazing on the beach with friends and family.
If you’re looking to buy or sell in Redington contact your local Realtor.
10 Reasons why you want to live in downtown St. Petersburg, Florida.
Did you know that downtown St. Petersburg is one of the more desirable areas to live in the Tampa Bay Area? The downtown area has this hip beachy vibe that’s appealing to all ages.
Here are 10 reasons why you should move to downtown St. Petersburg.
- Do you like live music? Downtown St. Pete hosts lots of live concerts in the park at the pier and other venues. Check out the Mahaffey Theater for shows and other events, Jannus Live, and Vinoy Park. There are also lots of bars and restaurants that offer live music.
- Love the Beach? You are just minutes from the beach! Head to the beach to soak up some sun, fishing, boating, or go for a stroll to see a beautiful sunset.
- Sports Teams- Like Soccer or Base Ball? Take in a Tampa Bay Rays game at the Tropicana Field or a Rowdies game at Al Lang Stadium. The Rowdies is a Professional soccer team.
- Do you like art? Check out the amazing art galleries in downtown St. Petersburg. The Chihuly Collection at Morean Arts Center and The Dali (Salvador Museum). You also have your pick of local art galleries that feature local artist works.
- The shopping is fantastic! Check out the Sundial in St. Pete for premier shopping, and dining. You can also shop one of a kind local boutiques for clothes, jewelry, and crafts.
- At downtown St. Pete we have your choice of the best restaurants ranging for all budgets. You can try the local seafood to upscale Asian to casual dining. We have all sorts of culinary delights from American to Latin flavors. Check out our one of a kind and mouth-watering dessert shops.
- Beach Drive! This is the premier destination for shopping, nightlife, food, and culture. Dine while taking in the gorgeous views. Whether you’re having breakfast, lunch, or dinner there are so many amazing restaurants to choose from.
- Check out the Festivals! We’ve got lots of festivals to choose from. Rib Festival, Beer Festival, Music Festival, Food festivals, Hot Sauce Festival, you name it we’ve got that festival.
- Do you like Craft Beer? Downtown St. Pete is known for it’s Craft Beer. Here are just a few of the places you can visit, Bayboro Brewing, St. Pete Brewing, The Ale and the Witch.
- Are you an outdoorsy person? Downtown has many green spaces that line the waterfront that’s great for exercising, people watching, or just reading a book, lounging, and hanging out with your best friend. You can find a cozy space to sit and enjoy the view.
These are just some of the things that you can enjoy if you move to downtown St. Petersburg. Contact your neighborhood Realtor to find you a great condo or bungalow in the downtown St. Petersburg area.
Your Home Buying Checklist
- Separating your wants -vs- your needs.
Here are a few tips for home buyers that are shopping for houses. How to narrow down your search.
- What do you need in a Home?
- What do you want in a Home?
Before you even start shopping think about what you actually need in the home for you and your family. There is a huge difference in what you want compared to what you need. If you work from home all the time you may need a home office. If you work from home once a week you can also say I need a home office. Is a home office really necessary if you only work once a week from home? The bigger the home, the more expensive, so it helps to break down needs versus wants.
2. Be realistic about your finances
Look at your finances, determine what you can afford to spend monthly for your mortgage. Do you have money for a down payment? Do you have money for escrow? This will determine what price range of homes you can afford.
3. Talk to Lenders, get pre-approved.
This is a letter from a lender that you give to the sellers to show that you are serious about buying their home. It says that the lender is committed to lending you this much to purchase their home.
Once you determine that you are ready to be a homeowner talk with a Realtor about market conditions. This is one of the biggest investments don’t just wing it.