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5 Hidden Ways to Save on Home Insurance Costs

Lowering Home Insurance Costs? Many home improvements offer an added bonus of unlocking insurance discounts, but these savings opportunities can easily fly under the radar when you aren’t actively on the lookout for them.

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5 Hidden Ways to Save on Home Insurance Costs

5 Hidden Ways to Save on Home Insurance Costs

(Feature Impact) When you’re planning home improvements, you’re often thinking about improving the comfort, safety, aesthetic or value of your home. Many changes and renovations have the added bonus of unlocking insurance discounts, but these savings opportunities can easily fly under the radar when you aren’t actively on the lookout for them.

“Homeowners tend to think about their insurance when they buy the house or when they have a claim, but a lot can change in between,” said Larry Anderson, director of underwriting operations at Mercury Insurance. “Something as simple as reviewing your policy with your agent once a year can help make sure your coverage still reflects your home today and identify improvements or other factors that may qualify you for additional savings.”

The experts at Mercury Insurance, a multiple-line insurance carrier emphasizing competitive rates and excellent customer service, encourage homeowners to consider these five ways to save on home insurance costs.

Updating Older Parts of the Home

As a home ages, it’s wise to look at what parts and systems may be deteriorating and need upgrades for modernity or safety reasons. Replacing older electrical, plumbing or other major systems can protect your home from emergencies and loss risks. Depending on the state you live in, your specific policy and the improvements you made, it can also qualify your property for an updated-home insurance discount.

Keep records of major improvements – including receipts, work permits and information about when the work was completed – and plan to discuss the upgrades during your next insurance review.

18121 B detail embed1Adding Protective Technology

Beyond replacing the batteries in your smoke detectors, you can outfit your home with a variety of protective devices that make a difference to insurers. Consider options like monitored burglar and fire alarms, smart water sensors and automatic water shutoff systems designed to detect problems before they become major losses. Remember, while security upgrades can make your home less risky to insure, they won’t save you money if your insurer doesn’t know you’ve installed them.

Improving Resilience to Damage

If you live in an area prone to extreme weather or other hazards, resilience upgrades could both safeguard your home and access insurance savings. Depending on your location, qualifying improvements could include a stronger roof, wildfire mitigation measures or flood defense options. Local insurance agents can provide more specific guidance on ways to make your home less vulnerable to damage – or whether you’re eligible for discounts because of work you’ve already completed.

Qualifying for Community Programs

Even if you haven’t personally made renovations to your home, certain changes in your community could help you save on insurance. That could include local wildfire mitigation measures, membership in a qualifying homeowners association or other neighborhood characteristics that affect coverage options, but specific programs vary by location.

Reviewing Insurance Products and Discounts

Whether something significant has changed in your home or community or not, it’s always valuable to review your insurance coverage on a regular basis. For instance, there may be new products or discounts that simply didn’t exist when you originally purchased your policy. Beyond savings considerations alone, ask your agent questions to make sure your coverage still reflects your circumstances and goals.

“Finding savings is always welcome, but the bigger goal of a policy review is making sure your insurance keeps pace with your life and your home,” Anderson said. “A house isn’t static. We improve it, maintain it and protect it in new ways over time. Your insurance should keep up with those changes.”

For more information on homeowner coverage and discount eligibility, visit MercuryInsurance.com.

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Questions to Consider During Your Annual Insurance Checkup

An annual insurance review is an opportunity to look for savings and update coverage. Use these questions as a jumping-off point for discussions with your agent:

  • What has changed about my home?
  • What has changed about my property or community?
  • Have my circumstances changed?
  • Are discounts available today that weren’t when I purchased my policy?
  • Does my coverage still reflect what it would cost to repair or rebuild my home today?

Photos courtesy of Shuttersotck collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures track

SOURCE:

Mercury Insurance

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Automotive

Slate Auto and Smarties Unveil Colorful Starter Packs for Upcoming EV

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Slate electric pickup truck displayed with six pastel color themes inspired by Smarties candy flavors.
Slate Auto’s Smarties-inspired collection introduces six colorful Starter Packs for personalizing the upcoming electric truck. Image Credit: Adobe Firefly

Slate Auto and Smarties Launch Colorful EV Starter Packs

Slate Auto has partnered with Smarties Candy Company on six pastel customization packages for its upcoming electric truck. Announced October 27, the Smarties x Slate collection gives buyers another way to personalize the minimalist EV before deliveries begin.

The six Starter Packs are inspired by Smarties flavors: Blue Raspberry, Cherry, Grape, Pineapple, Orange and Strawberry. Each package includes a coordinating vehicle wrap, color-matched mirror decals, a Smarties-branded rocker decal, a logo decal, a customized key-fob end cap and a matching interior Slatelet.

Customers will be able to purchase the packages through the Slate Marketplace as their delivery dates approach. Pricing for the Smarties packages was not included in the announcement.

https://stmdailynews.com/slate-truck-gets-real-first-experience-center-opens-ahead-of-planned-deliveries/

The collaboration fits Slate’s strategy of selling one simplified vehicle platform that owners can customize over time. Every truck leaves the Warsaw, Indiana, factory with gray exterior panels designed to be wrapped instead of conventionally painted. Buyers can keep the two-seat pickup configuration or select one of Slate’s five-seat SUV conversions.

The partnership does not change the truck’s core price or specifications. Slate continues to list the Blank Slate pickup at $24,950 before its $1,450 destination charge, with an estimated 205 miles of range. The range figure is still a company projection rather than a final EPA rating, and Slate continues to say its first deliveries are expected in the fourth quarter of 2026.

For Slate, the Smarties collection is more than a seasonal promotion. It demonstrates how branded wraps and accessories could become an important part of the company’s business model while allowing buyers to change the appearance of their vehicles without purchasing a different truck.

Source: Slate Auto’s official Smarties collaboration announcement

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home improvement

4 Ways to Make Room for Better Living

Make Room for Better Living: Oftentimes, making your home better suited for your needs starts with rethinking how the doors open. Whether you’re remodeling or building a new home, understanding the options can help you choose doors – and the installation hardware behind them – that make rooms more comfortable and convenient.

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Make Rood for Better Living: Oftentimes, making your home better suited for your needs starts with rethinking how the doors open. Whether you’re remodeling or building a new home, understanding the options can help you choose doors – and the installation hardware behind them – that make rooms more comfortable and convenient.

4 Ways to Make Room for Better Living

A bathroom door that bumps into the vanity. A closet interior that’s awkward to reach. A home office that needs a little separation from family activity. Oftentimes, making your home better suited for your needs starts with rethinking how the doors open.

Sliding, folding and pocket doors offer practical ways to improve everyday spaces without adding square footage. Whether you’re remodeling or building a new home, understanding the options can help you choose doors – and the installation hardware behind them – that make rooms more comfortable and convenient.

https://stmdailynews.com/5-affordable-bathroom-upgrades-that-feel-luxurious/

Consider these four ways to put your doors to work from the experts at Johnson Hardware, who make easy-to-install hardware systems in the U.S.:

Free Up Floor Space with Pocket Doors

In bathrooms, kitchen pantries and laundry rooms, a swinging door can compete with storage, taking up to 14 square feet of floor space and interrupting traffic flow. Pocket doors slide into the wall, freeing the area a hinged door needs to swing open.

Made for single pocket doors in compact rooms or two converging doors for larger openings between adjoining spaces, pocket door hardware with its soft-close feature helps doors glide gently into the open and closed positions, reducing slamming. Discuss pocket doors early in your project so your building professional can plan for the space needed inside the wall.

18245 detail embed2Keep Essentials Handy with Bypass and Multi-Pass Doors

A frequently used mudroom, hallway or bedroom closet can look more organized with sliding bypass or multi-pass doors. The panels travel on separate tracks and slide past one another, letting you reach different sections without doors swinging into the room.

Options like Johnson’s bypass and multi-pass hardware systems help keep walkways clear while concealing storage or everyday clutter. Ask your designer or remodeler about panel arrangements and soft-close options that suit the opening based on how you’ll use the space.

Add Flexibility with Wall-Mount Sliding Doors

If you want the space-saving benefits of a sliding door but a pocket door isn’t practical, wall-mount doors travel along a track outside the wall. With easy-to-install hardware systems, making the switch from a swinging door can be a quick, practical room upgrade.

Often called barn doors, they can complement many decorating styles, from traditional painted wood to contemporary glass designs. Wall-mount sliding doors work well in home offices, bedrooms, laundry rooms and pantries, where soft-close and soft-open hardware can help reduce noise. Plan for clear wall space beside the opening so the door has room to slide.

Open Up Storage with Full-Access Bifold Doors

A closet can hold more than clothes. It might become a craft station, compact workspace or convenient place for laundry supplies.

Bifold doors use hinged panels that fold together as they open. Unique 1601 Full-Access Bifold Door Hardware goes a step further, allowing panels to fold flat against adjacent walls for full access across the opening. That makes it easier to reach shelves, organize supplies and use the space inside.

Thoughtful door hardware choices can make everyday routines easier, from reaching pantry shelves to creating a quiet place to work. As you plan your project, ask your designer, architect, remodeler or building contractor how pocket, sliding and folding door hardware systems can help make better use of your space.

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For more ideas, visit johnsonhardware.com.

collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures
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SOURCE:

Johnson Hardware

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Consumer Corner

5 Affordable Bathroom Upgrades That Feel Luxurious

5 Affordable Bathroom Upgrades: If you dream of having a bathroom that feels like a spa-inspired retreat, the good news is you don’t need a full renovation or huge budget to make it happen. Small, thoughtful upgrades can add style, comfort and ambience to your space without breaking the bank.

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5 Affordable Bathroom Upgrades That Feel Luxurious

5 Affordable Bathroom Upgrades That Feel Luxurious

(Feature Impact) If you dream of having a bathroom that feels like a spa-inspired retreat, the good news is you don’t need a full renovation or huge budget to make it happen. Small, thoughtful upgrades can add style, comfort and ambience to your space without breaking the bank.

Consider these five affordable bathroom upgrade ideas to add touches of luxury to your home.

Warm, Soft Lighting

Lighting can completely change the atmosphere of a room; you can instantly create a welcoming, calming vibe by replacing harsh, bright lighting with soft, warm tones. To make your bathroom feel even more like a fancy hotel, think about adding wall sconces next to the mirror, accent lighting around the vanity or candles on the counter.

https://stmdailynews.com/how-to-get-rid-of-ants-naturally-a-non-toxic-arizona-homeowners-guide/

New Hardware and Finishes

Replacing outdated hardware and fixtures can immediately refresh the space – you don’t even have to buy a new vanity or cabinets if sleek new knobs and drawer handles are enough to make the old ones look like new. Another easy upgrade: A new faucet can give your whole sink area a more modern and sophisticated look. Opt for sleek, durable materials that feel cohesive with the rest of your design, like brushed nickel, matte black or warm bronze.

Upgraded Showerheads

Make your daily routine more indulgent by turning your shower into something that feels like an experience instead of a chore. If you enjoy gentle showers, consider a rain-style showerhead. For water pressure you can customize depending on your preference, look for a combination model. Also decide whether you’d rather have a detachable showerhead for extra convenience or one that’s fixed in place.

Heated Towel Racks

After a shower or bath, enjoy a little extra cozy luxury by wrapping up in a freshly warmed towel from an electric rack. You can install a permanent wall-mounted unit or choose a freestanding option for extra portability. As a hygienic bonus, towel warmers can also help linens dry faster, minimizing dampness and musty odors.

Refreshed Decor

Don’t underestimate how even small details can make a big difference. A few carefully chosen pieces of decor can elevate the look and feel of the whole room. That might be wall art, new curtains, a stylish mirror or even practical things like a new toothbrush holder and soap tray. Also think about choosing one or two plants suited to your bathroom’s natural lighting and humidity levels – a little greenery can make everything feel fresh and classy.

Get inspired with more home design and renovation tips at eLivingtoday.com.

Photo courtesy of Unsplash

collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures
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SOURCE:

eLivingtoday.com

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