How to Choose the Right Homeowners Insurance for Your Situation

Buying a home is about more than simply finding a realtor, making an offer and finding a lender. Not only do you want to make sure that you select the right home, but you also want to make sure that you have the right insurance policy coverage to protect you in case something happens. Having homeowners insurance is an important part of purchasing a home or in making a real estate investment.  

With most lenders, it is required that you own some kind of homeowners insurance. This is because the property or home that you will own is also theirs. Most homeowners insurance is chosen during the final closing of your home in order to protect all of your assets as well as pieces of property that belong in the home. If you have items that are especially high in value – such as art pieces or rare items – you may also wish to have a separate policy to cover those objects. By finding the right homeowners insurance, you will be protected against any accident or natural disaster that may happen.  

Homeowners insurance is divided into a variety of categories, all which covers different situations. The best way to decide on homeowners insurance is to first factor in how much you own and the value of the home. You will want to make sure that you are able to cover as much as possible and are able to be compensated for everything that may be lost, damaged or stolen. Another factor to consider with homeowners insurance is the type of coverage that is offered. Some companies will have different categories according to the types of things that you own. 

There are eight common types of homeowners insurance so you can find the best policy for your needs.

  • HO-1 Coverage: The most basic type of coverage on the market 
  • HO-2 Coverage: This coverage is considered more comprehensive, but the insurance only kicks in if the damage is due to one of the events named in your policy
  • HO-3 Coverage: The policy covers both the main structure as well as outlying buildings on the property.
  • HO-4 Coverage: This coverage is geared towards renters instead of homeowners.
  • HO-5 Coverage: The most comprehensive homeowners insurance out there
  • HO-6 Coverage: Coverage for condo owners. 
  • HO-7 Coverage: Coverage for mobile homes.
  • HO-8 Coverage: HO-8 insurance is designed to protect older homes.

After you have assessed the value of everything, you will also want to add in what you want covered and which category of insurance this will put you into. Homeowners insurance is one of the ways that you can ensure that your real estate and property investments stay covered. If anything happens, you will want to be assured that you have lost little to nothing in the process.

Another way to protect your property as you are moving to your new home is by hiring our storage and delivery service Los Angeles. We have full service moving in Los Angeles that is among the best in the area.   

5 Tips for Protecting Your Hardwood Floors While Moving

Most homeowners probably recoil in horror at the very thought of damaging their pristine, hardwood floors. People who are moving are especially at risk of this kind of expensive damage. However, by taking the proper precautions you can prevent your hardwood floors from suffering this fate. Use these five tips, from the experts at Russell’s Moving and Storage, to help avoid the wood flooring repair process and save money.

  • Don’t slide your furniture when moving: Try not to slide your refrigerator, dressers or other heavy objects across the floor when moving. For heavy items like this try using felt pads to protect your hardwood floors. You want to keep things nice for the new owner and make things neat and tidy for your new home.
  • Be cautious in bad weather: Mud and rain can both damage your hardwood floors by depositing debris that can leave scratches. Therefore, a simple fix is to keep a large, heavy-duty mat at the front door for people to wipe their shoes on before walking in and out of your home.
  • Measure beforehand: By trying to squeeze an object into an entrance that is too small, you can damage your hardwood floors. Therefore, take the time to measure larger objects and compare them to the size of the entrances you will be taking them through.
  • Hire movers with the right equipment: Most movers have experience working around hardwood floors. This means that the right movers will usually bring with them the equipment required to prevent damage to your floors.
  • Cover your floors: Use runners and other coverings to prevent dents, scrapes, and scratches to your hardwood floors. There are many different kinds of covering you can use made of vinyl, rubber, etc. They are usually easy to find, inexpensive and can give you greater peace of mind when moving. 

Now that you know the rules of hardwood floor protection during a move, it’s time to hire movers who can actually help you keep them in pristine condition. Contact our relocation company Los Angeles today to set up your move with professionals who are efficient, friendly and know how to prevent hardwood floor damage. Our movers in Burbank are committed to protecting all your belongings.  

7 Things to Always Ask During a Home Inspection

Buying a home is the biggest investment most people will ever make. So, it just makes sense that your investment is sound. Fortunately, the risk that does exist with this kind of investment can be greatly reduced by working with the right home inspector and by asking him/her the right questions as he/she is assessing your new home. Here are seven of the most important questions to ask a home inspector.

What credentials do you have?

The first questions you should ask of the home inspector you are considering using is about their qualifications. Figure out what their credentials are prior to moving forward. This will let you know if they’re qualified for the task.

Is the electrical system safe and up-to-date?

We all know that electricity can be dangerous and if mishandled can even be deadly. Older electrical systems can be even more dangerous and subject homeowners to shock and even fire. Make sure that you know whether or not your new home’s outlets and breaker boxes are in compliance with National Electrical Code standards. 

What will be covered in the home inspection?

You should ask the inspector before they begin their work about what will be covered. Areas you may wish to ask them about include: water pressure, wall cracks, attics, basement, mold, etc. 

How well is the home insulated?

According to the Energy Department, the heating and cooling needs of a home can be reduced by 30 percent with the use of good insulation and ventilation. Therefore, you will want to ask the inspector about areas of the home that are susceptible to heat loss such as the attic, basement and walls.

Is this a big deal or a minor home inspection issue?

Let’s face it. No home is perfect. Therefore, rather than looking for a flawless home you should find out which items are big issues and should be addressed immediately and which ones are minor issues that can be put off. 

How is the plumbing?

A home inspector will evaluate drains, water heaters, pipes, water pressure and temperature. You will want to know about the condition of all these things. For example ask about how well the water flows from each faucet and whether or not the house has older, lead piping. 

Are there signs of mice or other critters?

Ask your home inspector if they have come across mice droppings or other evidence of unwanted guests.  Mice and other rodents can cause significant damage to homes – wiring and insulation, for example – and can also pose a health risk.

In brief, you should carefully consider the quality of this investment you will be making. The right choice will make your move that much safer. Our Westlake Village storage company can also make your move safe, affordable and seamless. Los Angeles moving and storage can be hectic and we are the solution that many people prefer.   

6 Ways to Cope With the Stress of Moving

Most people do not associate the act of moving as one of life’s least stressful events. This is for good reason. Unless you make a plan to deal with the stress of moving it can be a truly fist-clenching chore. Here are 6 tips for coping with stress before, during, and after your move to a new place:

  • Hire professional movers: Since lugging around furniture and loading boxes into your car, van or rental truck is one of the most stressful things you can do during a move, we suggest that you hire a moving company like Russell’s Moving and Storage to handle the drudgery. Having movers do all the work takes away so much stress, saves you time and is definitely worth it.
  • Purge before you move: Having extra items to deal with can be very stress-inducing. Therefore, we suggest you make a list of the things you wish to sell, donate, junk or place in storage weeks before you move. 
  • Think of it as a new beginning, not an ending: Life is always about change. Look at your move as an opportunity to explore new areas of town, meet new people and gain access to new job opportunities and some of the stress of moving should automatically begin to dissolve away. 
  • Give yourself enough time: Start your move early and you will be eliminating one of the biggest stressors when it comes to relocating – time. For example, give yourself enough time to research and select a moving company, set up utilities, clean the home that you’re leaving, etc. 
  • Get plenty of sleep: It’s easy – although certainly not wise – to put sleep on the back burner when you are busy. However, a good night’s sleep will help you reduce stress on moving day and give you the energy you need as well. 
  • Get help from your support system: There are times in life when it is definitely a bad idea to try to go it on your own and moving is one of them. If you feel stressed during your move don’t be afraid to ask for help from others.

Whether you like moving or not we all do it at some point in our lives. If you take some of these tips into consideration when you are going through this transition, it will make your life a whole lot easier. Our Westlake Village storage company can help by providing you with moving and designer services in Los Angeles. We also have a climate controlled facility for storing items you will not be taking with you to your new home.

Why You Should Hire Professional Movers

There are a million things to be done during any move. In most cases, there are so many things that have to be packed and loaded up, that time runs out before it can all be done. Additionally, there is so much to do that you can forget vital things that have to be taken care of either in advance of, during or after a move. Therefore, it can be a helpful idea to hire movers to assist you. Movers are there to help so that your life is easier and so that you can attend to other things that come up when you are trying to move from one location to another. 

The first thing that you should do when you are looking for the right movers to help you is to conduct a thorough search. You should call around and try to get several quotes first. Another thing you should do is ask for references from each company. Most of these companies will have references from former customers to help you get a better idea of what the company is like and what you can expect from them.

Once you find the movers that you want to use, you should schedule the date that you are going to need them. Most of the time, movers are booked up. (This is particularly during the summer.) For this reason, you should make the reservation early so that you will end up with a mover on that critical day. You also want to make a date as early as possible so that if your schedule changes you will have plenty of time to notify the moving company. In some cases, you may have to pay a deposit or you will have to give them a credit card number so that they can book you for the date.

Getting movers for your move is a smart thing to do and one that will be beneficial in the long and short term. You will be glad that someone else is there to help with the packing and unloading. This is a huge help for anyone who is trying to move and work at the same time. Moving takes a lot of time and there are so many little factors that have to be taken care of before you can actually settle into your new place. This will make you feel less stressed and more relaxed. Finally, using a professional mover is a better way to go than a DIY approach because professionals have insurance to protect them and in case any items that you are moving become broken or lost. 

Rely on trusted movers in Burbank like Russell’s Moving and Storage. We are one of the best moving companies in Los Angeles and we have a reputation for fairness, reasonable prices and courteous service.