flooding

Apache is functioning normally

Any day during hurricane season, the call could come. A storm approaches. After days of warnings and dissecting cones of uncertainty, you did the right thing by preparing for the storm and evacuating.

Once the storm passes, it’s time to assess how soon you make your way back home. Odds are you want to return as soon as you can. Hopefully, you can get in touch with your landlord or neighbors to get an idea of what the situation is like. And, you decide to pack up and head back.

But, before you go, there are many things to consider, from the safest way to get back, what you need to prep for your return and what to do once you get there. Where to start?

Apartments are different than homes after a hurricane

Living in an apartment is different from living in a house post-hurricane. If there’s damage, your landlord is responsible for much of it, and will hopefully coordinate with you on how to best approach the next few days and weeks. It’s helpful to have that advocate right on site who runs the property.

But, conversely, there’s just one landlord and dozens and possibly hundreds of tenants. Your landlord is also helping scores of other residents, as well.

And, frankly, the safety and operability of the building structure itself, the entranceways, lobbies and hallways, along with the utilities like heating, water and electricity, is their primary focus. Your wet carpets and damaged oven come second. Plus, their own personal home, and those of the building or complex staff, could have suffered damage they need to focus on.

To get you through the first few hours and days, here are a few tips for returning home after a hurricane to your apartment. We’re here to help.

Prepare yourself for your return home

Never forget, heading back home to your apartment after the hurricane has its own dangers. Just because the winds died down doesn’t mean the danger is past. You need to prepare and plan, know what you need to have and what you’re going to have to do.

Preparation and knowledge before you step foot inside will help you get through the next few days. However much you think you’re emotionally prepared to see your damaged home, it will probably hit you harder. If you can plan for the next steps, you can alleviate some of that emotional stress.

What to do before heading home

First thing first: Do not go home until the authorities say it is safe.

Even if it’s nice and sunny out, that doesn’t mean it’s safe. Take guidance from local authorities via television, internet or social media when returning home after a hurricane. When they say it’s safe — and only when they say it’s safe — you can head back.

Leave prepared and travel safely

Start out by packing as much preparation gear as you can. If you’re able, grab tools and supplies, portable phone chargers, flashlights and personal protective gear like gloves, boots and masks. Bring food you don’t need to heat up and plenty of bottled water.

Be careful out on the road. Follow any and all signs or officials directing traffic. Roads will have debris, downed power lines, broken traffic lights and, of course, flooding. If you can, try to return in the daylight in case the power is out. Try to go early to get as much daylight as possible.

When you arrive back at your apartment building

Hopefully, you’ve been able to coordinate with your landlord or property manager. If you have an idea of the procedure for safely getting back into your apartment, follow it. If you haven’t spoken to anyone from the property, try to find someone when you arrive. They’ll be busy but hopefully, they will set up an information center in the parking lot. If signs are directing you on what to do, follow them.

If there’s any flooding, pooled or standing water, avoid it. Don’t park in it, don’t walk in it. It could be contaminated with some very nasty stuff from raw sewage to sharp objects, or electrified.

Remember, all of your neighbors will be arriving, too. It might be very hectic. Be patient. Check in with management if you can. But, if you can’t, just head to your apartment if it seems safe to do so.

First steps in assessing the safety of your apartment

Once you can safely get to and into your apartment, if there’s damage, that’s when the real work begins. Whether there’s just a little damage or a lot, there are a few things to make everything safe and manageable after returning home after a hurricane.

If your apartment closes up for a few days, open up the doors and windows for it to air out. Do this for at least 30 minutes before staying inside. If there’s no power, use only flashlights and battery-operated lanterns. Don’t burn candles or torches. There could be gas leaks anywhere.

Be aware of dangers as you check out your place

Speaking of gas, if you smell any, you will need to turn off the supply gas valve for each of your appliances. Then contact the landlord, or call the gas company or fire department and stay out until cleared.

If the apartment floods, do not wade through water without waterproof boots tall enough to not allow water in. Even without flooding, if the carpets are wet, wear protective shoes. And in either scenario, make sure you don’t plug in or turn on anything touching standing water or wet carpets. Stay away from wet outlets.

And, seriously, be aware of wildlife. You wouldn’t believe where snakes have been found after a storm. Doesn’t matter if you’re on the fifth floor. You have no idea what the wind and water took with it. Same with rodents and tropical bugs. Look out for leeches and roaches.

Lastly, inspect the walls, especially at the corners. If you notice any structural damage or hear unusual shifting, get out and tell the landlord or a first responder. The worst-case scenario is collapse.

Carefully inspect the damage to your stuff

No flooding, gas leaks or crumbling walls? Great. That’s a big step. Next is inspecting your personal property and living areas. As you walk around, consider a damaged apartment as a work zone. There likely are hazards you can’t see. Wear PPE like gloves, boots, safety glasses and dust masks (mold will be a big problem). Put on a hard hat — you’re never too safe. And, if your skin comes in contact with flood water, clean it immediately. We all have plenty of leftover hand sanitizer. Use it.

As you look around and assess damage to your stuff, be careful. This is all overwhelming, but be aware of your surroundings.

How to assess your losses safely

In the kitchen, bathroom or elsewhere, do NOT use any electrical appliance that is or looks wet. And — this is obvious — do not operate appliances or electric tools and items while standing in water or on a soaked carpet or floor.

When you open cabinets, be careful. Items may have shifted. You don’t want a pile of plates to fall on your head. Don’t use sinks or flush toilets until you’ve assessed if there’s sewage or plumbing damage. And, check smoke detectors and carbon monoxide monitors to ensure they are still working properly.

If the power is out and you decide to use a generator, keep it outside. Put it on the porch or outside the window. Same with a grill or camp stove to cook. Don’t have a place outside? Don’t use it.

If a particular room is severely damaged or dangerous, put up a barrier so others know the dangers when walking in.

And — we can’t stress this enough — if you suffer any injuries while cleaning up, particularly cuts and scrapes, seek medical attention. An open wound and dirty water is a recipe for infections like tetanus.

Dealing with water damage

If you were in a house you owned, water damage to walls and carpets would be top of your list to address. In an apartment, it still is. But, that’s the responsibility of your landlord. However, as we’ve said, he’s dealing with every other tenant’s issues, as well. But, water damage doesn’t care. You still need to act quickly.

You can still save carpets that have been wet from flood or rain for under two days.

Cleaning up and drying out

You can start cleaning and drying in order to save as much as you can before the landlord can get to it. If you have power and electricity is safe, start cleaning wet and damp fabric carpets with a wet-vac or shop-vac, or the vacuum function on a steam cleaner. Then, set up fans to dry everything out if you can. This all goes for furniture and anything upholstered, as well. But, you should remove anything waterlogged or items you can’t save from the home immediately.

If there’s still standing water, you can remove it with a water transfer pump or sump pump. But, assume you’ll have mold. And, your carpet padding is probably a goner.

Time to start fixing up

You’ve gotten your bearings and assessed that everything is safe. Whether you have a little damage or a lot, there will be plenty to clean up and fix up after returning home after a hurricane.

Start here. If you have broken windows, tape or board them up. You don’t want additional weather damage, vandals or bugs, birds and bears.

How to approach damage to your personal property

This is important: Before you do anything, document everything!

Take pictures and videos of every room. Take close-ups of severe damage. Get shots of anything that’s damaged, from clothes to electronics to food in the fridge, that you might claim on insurance or warranty.

Then, and only then, begin to separate out your damaged personal property. Make a list of everything that’s damaged and its contents. Write down what it is, including the brand, year purchased, place purchased and condition. After you’ve documented everything, you can start throwing out anything that’s water damaged or beyond repair.

Anything structural in your apartment from windows to carpets to outlets is the responsibility of your landlord. But, if you do need to purchase anything to make minor repairs for livability, save all bills and receipts.

Don’t make any permanent repairs without telling and getting approval from your landlord.

Your renters insurance and your lease

Now is a good time to mention renters insurance. Hopefully, you have it. Depending on your coverage and your insurer, you’re likely covered for storm damage from wind and rain for your personal items. If you’re lucky, you also have coverage for flood damage. Yes, even though it is the same hurricane, items damaged by rain and items damaged by flood waters are different things.

If you live in an area prone to it, hopefully, you were able to obtain flood insurance, as well. It is likely renters insurance doesn’t cover that.

This is why we insisted you document before you clean up. When you’re able, read back over your renters insurance policy and determine what it covers as far as damage and loss and what is not. For the items your policy covers — since you were so diligent in taking pictures and writing down everything — begin the process of filing your claims.

Patience with the process and further steps

Be mindful that literally millions of people will be filing insurance claims. The approval process will be very long and very frustrating. Be prepared to live with what you can for a while. This is another reminder that if you need to fix or buy anything, keep all your receipts.

As well, peruse your lease to make sure your landlord is providing all the care, repair and needs that they agreed to in your lease. Every lease, like every insurance policy, is different.

And, in the terrible situation where your apartment becomes unlivable in the short term, check both your renters insurance and your lease to see if you’re covered for temporary housing and accommodations. Your insurance may also cover living expenses like food or clothing.

But if your apartment is livable, there are ways to start living with it.

Short-term living with the damage

If you have minor damage or are able to clean and repair enough to stay in your apartment, you might be living in a messy apartment for a while until the landlord can get around to fixing everything in every damaged apartment.

The most important item is potable water. Do not use tap water unless you know for sure it is safe. If there is a local boil water advisory, heed it. That goes for drinking, cooking, washing clothes or dishes or hands or brushing your teeth. Use bottled water if necessary.

Do not eat food that has been in contact with flood waters. Do not eat refrigerated food that was without power for over 24 hours. If it smells or looks bad, don’t eat it. If you get delivery, tip that person a lot if you can.

Recovery is a long-term process

Remember, not everything hazardous will be apparent as you gleaned during your initial assessment. There could be hidden dangers from cracked water heaters to unseen mold. Talk to your landlord and have a plan to assure that everything is safe and livable. And, in time, things will get back to normal.

But, if the experience of returning home after a hurricane, physically or emotionally, has you thinking about finding another place, check out all the great availabilities in your area or anywhere around the country (or far away from the coast) on Rent.

For further details, check out the advice from the federal government on the FEMA and ready.gov websites.

The information contained in this article is for educational purposes only and does not, and is not intended to, constitute legal or financial advice. Readers are encouraged to seek professional legal or financial advice as they may deem it necessary.

Source: rent.com

Apache is functioning normally

As much as I’ve learned about money in the past five years, and as much as I like to share what I’ve learned, there are still times when I fail to follow my own advice.

As I’ve mentioned, we live in a hundred-year-old house. This is a great and terrible thing. The house is beautiful and full of character, but it’s also a pain in the ass. In the six years we’ve lived here, one of the pains we’ve encountered repeatedly is the sewer line. About once a year, the thing clogs. But in the past year, it’s clogged more like once a quarter.

Generally, we’re able to handle the clogs on our own. We pour a little drain cleaner into the toilet or bathtub, and things magically work out on their own. But the recent clogs have been unresponsive to the magic of modern chemistry. In March, I finally broke down and called in a plumber. The plumber worked his magic, charged me 300 bucks, and asked if I wanted his boss to come give me a bid on repairing the sewer line.

“Sure,” I said.

The next day, a man named Jeremy showed up with his fancy equipment to scope out the problem with our line. Turns out the old concrete sewer pipe was probably laid in the 1940s or 1950s, and has never been repaired or replaced. There’s a section about 90 feet from the house (about 20 feet from the road) that has developed a “belly”: for several feet, the pipe has sunk below the rest of the line. Near this belly, there’s also a break in the line, and tree roots are encroaching. Basically, it’s a mess.

“It’s not a big deal,” Jeremy told me. “It’s easy to replace. Your sewer line is easy to access because it’s in the middle of the lawn. I can probably replace it in a day.” He quoted me a price of $1700.

Over the next couple of weeks, Jeremy called back twice to see if we wanted to spend the $1700 to repair the sewer line. “No,” I said. “Things seem to be okay for now.”

Well, things were okay for a while. Friday, however, the sewer line clogged again, and this time it was very very gross. Dirty water came flooding up into the bathtub. Yuck!

We called the plumber again. A different fellow came out and cleared the line. Because Kris and I were both home, he called us over to look when he’d finished his work. He had a camera 90 feet into the line, and he showed us the very damage that Jeremy had described. And then he said something that was very GRS-y.

“You can replace that five-foot section,” he told us, “but if I were you, I’d think about replacing everything from the sidewalk to the street. It’ll cost more, but if you save up for it, it’ll be more cost-effective in the long run. You’ve got other trees in that area, and they’re likely to cause trouble eventually if you don’t take steps to correct the problems now. And if you have us do all of it at once, it’ll cost less than if we have to repair it in pieces.”

A plumber with advice on budgeting for repairs — I like it!

The real lesson, of course, is not to defer home maintenance. I know this is one of the cardinal rules of home ownership, yet for some reason, I always procrastinate. I think it’s hard for me to spend on something that isn’t really an immediate problem. It’s May — my gutters aren’t overflowing. I just had the drain cleaned — the toilet isn’t clogging. And so on. But as we just learned, what would have cost me $1700 to repair in March will now cost me $2000 because I delayed. (That’s $1700 for the repair and $300 for the most recent visit by the plumber.)

After the plumber left, Kris and I had a chat.

“This is kind of a pattern for you, isn’t it?” she asked. She meant that I have a tendency to ignore warning signs and just hope that things will get better on their own. Last week, I wrote about ignoring warning signs from my computer as it began to fail. I’ve done the same many times in the past with cars, computers, clothing, home repairs, and (worst of all) my personal health. I don’t fix problems when they’re small; as a result, they often become big problems later on.

Basically, I should heed the advice I always give others. To quote Your Money: The Missing Manual:

Just as daily exercise and a sensible diet keep your body healthy and help you avoid costly medical bills, regular home maintenance keeps normal wear-and-tear from developing into problems, and problems from turning into emergencies.

[…]

When we bought our new house in 2004, the home inspector told us that for every dollar we spent on maintenance, we’d avoid roughly $100 in future repairs. He wrote in his inspection report, “In my experience as a professional home inspector, I have looked at hundreds of homes in all age ranges, and I have seen thousands of dollars of damage to homes that could have been avoided by spending $5 to $10 and just a few minutes of work.”

So, Kris and I are going to have some sewer work done.

Right now, we need to decide if we can afford to have the larger section replaced, or whether we’ll just go with the small patch. And if we do replace the longer section, do we tap into emergency savings to do so? I think we might.

It’s tough for me to accept that it’s not just okay, but it’s good to spend on solving small problems. It’s like self-insurance, or an investment in my future. My hope is that you can have the wisdom to learn from my mistakes. If you deal with a small problem before it becomes a big problem, you can save yourself time, money, and hassle.

Source: getrichslowly.org

Apache is functioning normally

The number of mortgage defaults filed during the third quarter fell 10.3 percent compared to a quarter earlier, according to real estate information service DataQuick.

A total of 111,689 default notices were sent between July and September, an 18.5 percent increase from a year earlier when 94,240 hit homeowners’ mailboxes.

“It may well be that lenders have intentionally slowed down the pace of formal foreclosure proceedings, said John Walsh, DataQuick president, in a release.  “If so, it’s not out of the goodness of their hearts.”

“It’s because they’ve concluded that flooding the market with cheap foreclosures in this economic environment may not be in their best financial interest. Trying to keep motivated, employed homeowners in their homes might be the most cost-efficient way to stem losses.”

Defaults peaked in the first quarter of this year at 135,431, a number DataQuick believes was inflated due to deferred activity from various foreclosure moratoria.

The median loan origination month of last quarter’s defaulted loans was July 2006; a year ago it was June 2006, so the foreclosure process has moved forward just one month over a year.

“There’s a batch of truly nasty loans that were made in mid 2006. There’s another batch made in late 2006. These are worse than the mortgages before and after, and it’s taking a long time to process them,” Walsh added.

Countrywide originated the most defaulted loans with 7,583, followed by WaMu at 5,146, and Wells Fargo at 4,425.

However, smaller subprime lenders had much higher default rates; ResMAE Mortgage was at 73.9 percent, followed by Ownit Mortgage at 69.5 percent, and BNC Mortgage at 61.4 percent.

Mortgages were most likely to go into default in Merced, San Joaquin, and Riverside counties, and least likely in San Francisco, Marin and Santa Cruz counties.

California homeowners were a median five months behind on payments, or $12,665 on a median $343,200 mortgage, when the mortgage lender filed a default notice.

Trustees Deeds recorded, or the actual loss of a home due to foreclosure, climbed 9.5 percent to 50,013 from the prior quarter, but were down 37.1 percent from the third quarter of 2008, which was the all-time high.

Source: thetruthaboutmortgage.com

Apache is functioning normally

House Party is a one-hour online experience where the New Story team and community will tackle homelessness by celebrating the gift of home and building them for others — a lot of them. In one night, we’ll come together and fund an entire community of homes in Nacajuca, Mexico. Talk about a happy ending to 2020 we could all use.

This may be the only party where there is no commute, no cleanup, and no dress code — the night is what we make it. And we plan to make it the most meaningful hour your family can spend on a screen this year.

So if Zoom calls and Schitt’s Creek are no longer doing it for you and you’re free the evening of December 6th, RSVP to House Party here (when we get closer to the date you’ll receive an email with a link to stream House Party from the comfort of your home.) 

OUR GOAL
Our goal is to raise $1M so we can complete a community of 100 homes for families who need them most.

One hundred families in Nacajuca, Mexico, have no place to call home. In the middle of a pandemic, they’re left to their unstable self-made shelter that’s prone to flooding six months of the year.

We can’t stand that. And we know you can’t either.

House Party is our chance to move towards impact by providing a rapid response to a dire situation. Homes have never mattered more. Let’s get to work. 

ABOUT NEW STORY
We’re a team working to end homelessness. It’s a big goal, but we’ve seen it attract bold people — like you! Sure, building the world’s first community of 3D printed homes is cool. So is building our own data-collection tool to track impact. But they’re just means to fulfill our big dream.Our favorite part of it all?
‍
The 11,000+ lives impacted. Thanks to our donors, we’ve helped build over 2,300 homes across 25 communities. And we’re just getting started.

Source: geekestateblog.com

Apache is functioning normally

The average cost of homeowners insurance in Washington is $1,215 per year, or about $101 per month, according to a NerdWallet analysis. That’s less than the national average of $1,820 per year.

We’ve analyzed rates and companies across the state to find the best homeowners insurance in Washington. Our sample rates are for a homeowner with good credit and $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. Your rates will be different.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.

We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

The best homeowners insurance in Washington

If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.

More about the best home insurance companies in Washington

See more details about each company to help you decide which one is best for you.

State Farm

Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Average set of discounts

NAIC complaints

Fewer than expected

State Farm

Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Average set of discounts

NAIC complaints

Fewer than expected

State Farm is a great choice for homeowners who like to work directly with a company representative, as the company sells policies through a wide network of agents. And its attention to customer service has paid off; the company has fewer customer complaints to state regulators than expected for a company of its size.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.

Farmers

Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Average set of discounts

NAIC complaints

Fewer than expected

Farmers

Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Average set of discounts

NAIC complaints

Fewer than expected

Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings.

Some Farmers policies also come with perks that can save you money. For example, with claim forgiveness, Farmers won’t raise your rate for a claim as long as you haven’t filed one within the past five years.

Chubb

Perks and high coverage limits for affluent homeowners.

Coverage options

About average

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb

Perks and high coverage limits for affluent homeowners.

Coverage options

About average

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb caters to high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the National Association of Insurance Commissioners. Its home insurance policies come with some great perks, including extended replacement cost in case it costs more than your dwelling limit to rebuild your home after a disaster.

Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

Nationwide

For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

More than average

Great set of discounts

NAIC complaints

Close to expected

Nationwide

For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

More than average

Great set of discounts

NAIC complaints

Close to expected

We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.

Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.

Country Financial

Best for those who prefer to have a personal conversation with an agent when choosing coverage.

Coverage options

More than average

Great set of discounts

NAIC complaints

Far fewer than expected

Country Financial

Best for those who prefer to have a personal conversation with an agent when choosing coverage.

Coverage options

More than average

Great set of discounts

NAIC complaints

Far fewer than expected

Country Financial has three different levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case inflation drives up the cost of rebuilding more than you expect.

Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.

USAA

Offers perks for the military community.

Coverage options

Below average

Average set of discounts

NAIC complaints

Far fewer than expected

USAA

Offers perks for the military community.

Coverage options

Below average

Average set of discounts

NAIC complaints

Far fewer than expected

USAA sells homeowners insurance to veterans, active military and their families. If you fall into one of those groups, you might want to look into USAA’s offerings. The company’s homeowners policies include some unique perks such as deductible-free coverage for military uniforms and coverage for identity theft.

Homeowners in Washington can take part in the company’s Connected Home program, which gives you a discount on your policy if you buy and install approved smart-home devices. These include water leak sensors, cameras and thermostats.

How much does homeowners insurance cost in Washington?

The average annual cost of home insurance in Washington is $1,215. That’s 33% less than the national average of $1,820.

In most U.S. states, including Washington, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Washington, those with poor credit pay an average of $1,390 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 14% more than those with good credit.

Average cost of homeowners insurance in Washington by city

How much you pay for homeowners insurance in Washington depends on where you live. For instance, the average cost of home insurance in Seattle is $1,165 per year, while homeowners in Yakima pay $1,305 per year, on average.

Average annual rate

Average monthly rate

Bellingham

Federal Way

Marysville

Port Orchard

The cheapest home insurance in Washington

Here are the insurers we found with average annual rates below the Washington average of $1,215.

What to know about Washington homeowners insurance

Washington homeowners have a few risks to consider when shopping for home insurance, including earthquakes, wildfires, flooding and winter weather.

Earthquakes and landslides

Washington state is particularly prone to earthquakes as part of the Pacific Ring of Fire. Standard homeowners insurance doesn’t cover earthquakes or other earth movements like landslides or mudslides, so you may want to look into separate earthquake insurance or an earthquake endorsement.

When purchasing earthquake insurance, pay attention to the deductibles so you know the potential out-of-pocket costs. Your earthquake insurance often has a separate deductible, which can be around 10% to 25% of the coverage on your policy. For example, if you have a 20% deductible on $200,000 of coverage, you would need to pay a $40,000 deductible for earthquake damage before your insurance kicks in.

Wildfires

Wildfires are a potential risk in Washington state, especially in dry seasons. Your homeowners insurance will typically cover damage from fires. Always review your policy for exceptions and to ensure you have enough coverage in case of a total loss related to wildfire.

Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. A significant fire can destroy your whole home, so talk with your insurer to make sure you have enough coverage to rebuild if necessary.

Flooding

Washingtonians who live near rivers, lakes or coastal areas may be at risk of flooding. Standard homeowners insurance policies typically do not cover flood damage. As a result, homeowners in flood-prone areas may need to purchase separate flood insurance to protect their property from water damage.

To find out if you’re at risk, check out the Federal Emergency Management Agency’s flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to purchase flood insurance for extra peace of mind.

Keep in mind that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.

Winter weather

Heavy snowfall, winter storms, and freezing temperatures can cause damage from fallen trees, the weight of ice or snow, or burst pipes, among others. Your standard homeowners policy will cover most damage from winter weather, but carefully review the coverage in your policy, as there may be exclusions.

Be sure to take appropriate precautions to limit the risk of damage, as damage due to negligence may not be covered. For example, homeowners should keep their home temperature above 60 degrees and ensure water sources are drained or insulated to avoid the risk of flooding due to burst pipes.

Washington insurance department

The Consumer Advocacy group can also help with your other insurance-related questions by live chat from 8 a.m. to 5 p.m. on Monday through Friday, by email or by phone at 800-562-6900.

Looking for more insurance in Washington?

Amanda Shapland contributed to this story.

Frequently asked questions

Is homeowners insurance required in Washington?

Homeowners insurance is not legally required in Washington state, but your mortgage lender may require you to buy it.

Does Washington homeowners insurance cover wildfire?

Homeowners insurance in Washington covers fires from most causes, including wildfires.

How can I save money on home insurance in Washington?

There are several ways to save money on homeowners insurance in Washington:

  • Shop around to make sure you’re getting the best rate.

  • Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.

Source: nerdwallet.com

Apache is functioning normally

Apache is functioning normally

Buying a house in Michigan can be an exciting and fulfilling experience. Known for its diverse landscapes, vibrant cities, and affordable housing options, Michigan offers prospective homebuyers a range of opportunities. Whether you’re looking for charming suburban homes in Grand Rapids, a bustling urban condo in Ann Arbor, or a serene rural retreat, Michigan has something to offer. However, navigating the homebuying process in Michigan requires careful consideration of factors such as location, market conditions, financing options, and legal requirements. Understanding the local real estate market, working with knowledgeable professionals, and conducting thorough research is vital to making informed decisions and finding the perfect home in Michigan.

If you’re a first-time homebuyer and want to know more about the market, Redfin has your back. From market insights to the homebuying process, read on to get started.

What’s it like to live in Michigan?

Michigan is known for its breathtaking natural beauty, including the Great Lakes, stunning forests, and picturesque landscapes. Residents can enjoy various outdoor activities like hiking, camping, boating, and skiing. Furthermore, Michigan boasts excellent educational institutions, including renowned universities like the University of Michigan and Michigan State University. The cost of living in many areas of Michigan is relatively affordable compared to other states, allowing residents to enjoy a comfortable lifestyle. Check out this article to learn more about the pros and cons of living in Michigan.

Michigan housing market insights

The housing market in Michigan continues to show increased median sale prices. As of recent data, the median sale price stands at $252,200, reflecting a 1.6% year-over-year increase. However, Due to the growth in prices, certain metros within the state are experiencing high levels of competition. Areas such as Fraser, Walker, and Clawson have become particularly competitive for homebuyers. Additionally, the number of homes available for sale has declined, down 8.3% year-over-year. This reduced inventory can contribute to a more competitive market and potentially drive up prices further. These insights indicate a dynamic housing market in Michigan, with rising costs, pockets of intense competition, and limited inventory, making it essential for prospective buyers to stay informed and be prepared for the market’s challenges and opportunities.

Finding your perfect location in Michigan

Finding the perfect location in Michigan is crucial when buying a house in the state. Michigan offers a diverse range of communities, each with its unique characteristics and amenities. Factors such as proximity to schools, job opportunities, recreational activities, and community services play a significant role in determining the suitability of a location.

If you’re between two cities you love, don’t fret; using tools like a cost of living calculator will provide insight into which city aligns with your budget. And to help you get started, we’ve compiled a list of five sought-after Michigan cities, highlighting market insights and their unique offerings.

#1: Detroit, MI

Median home price: $75,000
Detroit, MI homes for sale

As the largest city in Michigan, moving to Detroit offers a unique experience that is shaped by its rich history, cultural diversity, and ongoing revitalization efforts. Detroit’s sports culture runs deep, with passionate fan bases for teams like the Detroit Tigers, Pistons, and Red Wings. Additionally, Detroit’s revitalization efforts have led to the revitalization of neighborhoods such as Midtown and Corktown, where new businesses, art galleries, and entertainment venues have emerged.

#2: Kalamazoo, MI

Median home price: $190,500
Kalamazoo, MI homes for sale

The cost of living in Kalamazoo, MI is 21% lower than the national average, perfect for those on a budget. The city is known for its lively arts scene, with the Kalamazoo Institute of Arts, the Kalamazoo Symphony Orchestra, and numerous theater companies providing a rich cultural experience. Residents can explore the vibrant downtown area, filled with local shops, restaurants, and breweries, including the popular Bell’s Brewery. Kalamazoo offers a range of outdoor recreational activities, with parks, hiking trails, and proximity to scenic areas such as the Kalamazoo River Valley Trail and the Kal-Haven Trail. So if you’re looking for a small town with a low cost of living, moving to Kalamazoo could be for you.

#3: Grand Rapids, MI

Median home price: $290,000
Grand Rapids, MI homes for sale

Moving to Grand Rapids offers a rich and fulfilling experience with a unique blend of urban amenities and natural beauty. Grand Rapids is known for its thriving craft beer scene with numerous breweries and festivals. It was even named Beer City, USA. The city boasts a rich cultural landscape, including the renowned Frederik Meijer Gardens and Sculpture Park, the Grand Rapids Art Museum, and the Gerald R. Ford Presidential Museum. With a strong emphasis on the arts, Grand Rapids hosts ArtPrize, one of the world’s largest art competitions.

#4: Novi, MI

Median home price: $390,000
Novi, MI homes for sale

Moving to Novi offers a delightful experience with its upscale shopping destinations. You’ll find the Twelve Oaks Mall and the luxurious Novi Town Center, providing residents with a wide range of shopping and dining options. The city also boasts several parks and recreational areas, including the picturesque Lakeshore Park, which offers trails, picnic spots, and beautiful views of Walled Lake. Moreover, Novi is renowned for hosting the annual Michigan State Fair, a lively event showcasing agricultural exhibits, captivating entertainment, and exhilarating rides.

#5: Ann Arbor, MI

Median home price: $496,250
Ann Arbor, MI homes for sale

As the home of the University of Michigan, Ann Arbor has a lively and intellectual atmosphere. The city is renowned for its top-tier education, world-class research facilities, and a strong emphasis on innovation and entrepreneurship. Residents can take advantage of various cultural events, including the Ann Arbor Film Festival, the Ann Arbor Art Fair, and the renowned University Musical Society, which brings diverse performing arts to the community. The vibrant downtown area is filled with local shops, restaurants, and cafes, creating a lively and welcoming environment for anyone moving to Ann Arbor.

The homebuying process in Michigan

Let’s explore the homebuying process if you’re ready to put down roots in Michigan.

1. Prioritize your finances

Prioritizing your finances when buying a home in Michigan is crucial for several reasons. First and foremost, it ensures that you can comfortably afford the financial obligations associated with homeownership. By assessing your income, expenses, and budget, you can determine a realistic price range and avoid overextending yourself financially. Along with prioritizing your finances to help secure a favorable mortgage loan with competitive interest rates and terms. If you’re not sure where to start, using tools like an affordability calculator will point you in the right direction.

Various programs are available for first-time homebuyers in Michigan, including the MI Home Loan, which can assist with up to $7,500 in down payment assistance.

2. Get pre-approved from a lender

Getting pre-approved from a lender is an essential first step when starting the homebuying journey. By seeking pre-approval, you gain a clear understanding of your budget and financial limitations, which allows you to search for homes within your price range. Pre-approval involves a lender evaluating your financial situation, credit history, and income to determine the loan amount you qualify for. 

3. Connect with a local agent in Michigan

When buying a house, connecting with a local real estate agent in Michigan is essential, as they bring valuable expertise, guidance, and local market knowledge. A local agent understands the nuances of the Michigan real estate market, including neighborhood trends, property values, and inventory availability. They can help you identify suitable neighborhoods that align with your preferences and budget. So whether you’re looking for real estate agents in Grand Rapids or agents in Detroit, they’re here to help.

4. Start touring homes

Touring homes is a crucial step in the homebuying process, as it allows you to experience and evaluate properties first hand physically. It provides an opportunity to assess a home’s condition, layout, and overall appeal before making a purchasing decision. During home tours, paying attention to several key factors is essential. First, consider the home’s structural integrity and potential maintenance issues. Look for signs of water damage, cracks in the foundation, or any other red flags that could indicate significant repairs or maintenance expenses down the line. 

5. Make the offer

Making an offer signifies the buyer’s serious intent to acquire the home and initiates the negotiation phase. When crafting an offer, prospective buyers must consider the property’s market value, comparable sales in the area, the seller’s asking price, and their budget and preferences. The offer should be presented in writing and include essential details such as the proposed purchase price, desired contingencies, and the seller’s response deadline. 

6. Close on the house

The closing process is the final stage, where all the necessary legal and financial transactions are completed, and property ownership is officially transferred from the seller to the buyer. During the close, various important tasks take place, including reviewing and signing the final purchase agreement, verifying the title and property records, completing the mortgage paperwork, and paying closing costs and fees. Additionally, the close allows the buyer to conduct a final walkthrough of the property to ensure its condition is as expected.

If you’re new to the process, Redfin has insights for you. The First-Time Homebuyer Guide has everything you need to know about each step of the process.

Factors to consider when buying a house in Michigan

When going through the homebuying process, you’ll want to understand the unique considerations of buying a home in Michigan.

Water rights

Michigan has strict regulations regarding water rights, particularly in properties with access to lakes, rivers, or streams. When purchasing a house, understand the extent of your water rights, restrictions, and availability for everyday use or irrigation.

Flood risks

Michigan faces significant flood risks due to its unique geographical features and weather patterns. The presence of the Great Lakes exposes many areas to potential flooding. Additionally, Michigan has numerous rivers, streams, and inland lakes, which can contribute to the likelihood of flooding during heavy rainfall or snowmelt events. The state’s climate, characterized by cold winters and frequent precipitation, can lead to rapid snow accumulation and subsequent spring thaws, increasing the risk of flooding. Knowing if your house is in a flood zone is essential, so you can be prepared.

Dual agency

A dual agency is permitted when buying a house in Michigan. A dual agency is when a real estate agent or broker represents the buyer and seller in the same transaction. In Michigan, this practice is allowed as long as it is disclosed and agreed upon by all parties involved. However, it is advisable for buyers to carefully consider the implications of dual agency, as the agent’s loyalty and fiduciary duty may become divided between the buyer and the seller.

High closing costs

Michigan is known for having relatively high closing costs when buying a home. On average, homeowners will spend around $5,714. Closing costs encompass various fees and expenses that buyers incur during the final stages of a real estate transaction. In Michigan, these costs typically include property taxes, title insurance, attorney fees, appraisal fees, loan origination fees, and recording fees.

Buying a house in Michigan: Bottom line

Michigan’s real estate market provides a diverse selection of housing options, encompassing both affordable areas and higher-priced cities. The affordability and availability of homes depend on factors such as location, market conditions, and individual budgets. To navigate this market successfully, it is crucial to conduct thorough research on the desired area, track market trends, and assess personal financial readiness, including credit score and down payment savings. By gaining a comprehensive understanding of the homebuying process, you can embark on your journey towards homeownership in Michigan with confidence.

Buying a house in Michigan FAQ

What credit score is needed to buy a home in Michigan?

The credit score needed to buy a home in Michigan, as in any other state, can vary depending on the lender and the type of mortgage loan. However, generally speaking, a higher credit score is advantageous when applying for a mortgage. Most conventional lenders prefer borrowers to have a credit score of 620 or higher. This shows a strong credit history and a lower loan default risk. Additionally, loan programs are available that cater to borrowers with lower credit scores, such as FHA loans, which typically require a credit score of 500 or higher. 

What is the required down payment for buying a house in Michigan?

The down payment required to buy a house in Michigan, as in other parts of the United States, can vary depending on several factors, including the type of mortgage loan you’re using and the lender’s requirements. Typically, conventional mortgage lenders may require a down payment of 3% to 20% of the home’s purchase price. For example, if you’re buying a $200,000 home, a 3% down payment would amount to $6,000, while a 20% down payment would be $40,000. However, it’s important to note that there are loan programs available that may require lower down payments. For instance, FHA loans often require a down payment of 3.5% of the purchase price, while VA loans and USDA loans offer the option of zero down payment for eligible borrowers. 

Are home prices affordable in Michigan?

Whether buying a house in Michigan is considered cheap depends on various factors, including the specific location within the state, the local real estate market conditions, and individual budget constraints. For example, in Kalamazoo, housing costs 47% less than the national average, whereas housing in Ann Arbor is 16% more than the national average. As a whole, Michigan has been known to offer more affordable housing options compared to some other states in the United States. However, prices can still vary significantly depending on the city or region. Consulting with a local real estate agent or professional can provide valuable insights into the desired area’s current market conditions and pricing trends.

Source: redfin.com

Apache is functioning normally

Apache is functioning normally

The geography of our planet is truly unique. As far as we are aware, there’s no other planet like it with mountains, forests, living organisms, and arable land. According to statistics earth could be a one-in-a-billion Planet. According to the United Nations, life is not fair: some countries have it easier than others when it comes to geography and topography, so in this article, we are going to explore some countries with the worst geographies.

1. Mongolia

Photo Credit: Shutterstock.

Mongolia, with its vast and rugged terrains, harsh climate, limited arable land, and lack of infrastructure, is considered one of the countries with the most challenging geographies. The country’s geography poses difficulties for agriculture, transportation, infrastructure development, and resource extraction.

Extreme and Remote

Photo Credit: Shutterstock.

The extreme temperature variations, limited arable land, and remote locations of mining sites further compound these challenges. However, Mongolia’s population has adapted to its environment, nurturing a rich nomadic culture and a strong connection to the land. Despite the obstacles, Mongolia is working towards sustainable development and preserving its cultural heritage.

2. Haiti

Photo Credit: Shutterstock.

Haiti’s geography presents numerous challenges, including vulnerability to natural disasters, deforestation and soil erosion, limited access to resources, economic difficulties, and overcrowded urban centers. These factors have had significant impacts on the country’s development and well-being.

Resilience and Restoration

Photo Credit: Shutterstock.

However, the Haitian people have demonstrated resilience in overcoming adversity. Efforts to address deforestation, promote sustainable agriculture, improve infrastructure, and strengthen disaster preparedness are crucial in mitigating the effects of Haiti’s challenging geography. 

3. Kuwait

Photo Credit: Shutterstock.

Kuwait’s geography presents several challenges, including its dominant desert terrain, limited freshwater resources, extreme climate conditions, reliance on oil, and environmental concerns. The arid landscape and harsh climate make agriculture and resource management difficult.

Resourceful in the Desert

Photo Credit: Shutterstock.

The scarcity of freshwater necessitates reliance on desalination and underground aquifers. Kuwait’s heavy dependence on oil, coupled with declining reserves, requires economic diversification. Additionally, environmental issues such as desertification and habitat depletion pose further challenges. However, Kuwaitis have demonstrated resilience and diligence in building a prosperous future.

4. Bangladesh

Photo Credit: Shutterstock.

Bangladesh faces numerous geographic challenges, including vulnerability to flooding, cyclones, limited arable land, water management complexities, and the impacts of climate change. The country’s low-lying deltaic geography exposes it to frequent and devastating floods and cyclones.

Extreme Weather Challenges

Photo Credit: Shutterstock.

Limited arable land and soil erosion pose challenges to food security and agriculture. Effective water management is crucial due to the complex river network. Bangladesh’s proactive approach to climate adaptation reflects its resilience. Despite these challenges, Bangladesh strives to overcome its geographic obstacles and build a more resilient and sustainable future through investments in infrastructure and sustainable practices.

5. Lesotho

Photo Credit: Shutterstock.

Lesotho, a landlocked country in southern Africa, faces significant geographic constraints that shape its development. With a rugged mountainous landscape, limited natural resources, and water stress, Lesotho’s geography presents challenges for agriculture, trade, and economic growth. The country’s vulnerability to climate change further exacerbates these issues.

Moving Towards Sustainability

Photo Credit: Shutterstock.

However, the people of Lesotho demonstrate resilience and are actively working towards overcoming these geographic challenges through diversification, water management, sustainable agriculture, and climate adaptation efforts. By leveraging its unique cultural heritage and human capital, Lesotho strives to forge a sustainable and prosperous future despite its formidable geography.

6. Maldives

Photo Credit: Shutterstock.

The Maldives, with its low-lying coral islands and vulnerability to rising sea levels, faces significant geographic challenges. The limited land area, environmental fragility, import dependency, and socio-economic disparities further compound the difficulties.

Building a Strong Future

Photo Credit: Shutterstock.

However, the Maldivian people exhibit resilience and are actively implementing measures to adapt to climate change and promote sustainability. By focusing on climate resilience, marine conservation, and sustainable tourism practices, the Maldives aims to overcome its geographical obstacles and create a prosperous future for its population.

7. Nepal

Photo Credit: Shutterstock.

Nepal is faces several geographic challenges, such as rugged mountainous terrain, scarcity of arable land, susceptibility to natural disasters. Moreover, many communities are remote and inaccessible. The Himalayan mountain range poses obstacles to infrastructure and connectivity, while the scarcity of flat land hinders agricultural productivity. The country is prone to earthquakes, landslides, and flooding, impacting human settlements and infrastructure.

Hard-to-Reach Places

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Remote communities suffer due to limited access to services and opportunities. Despite these challenges, the resilience of the Nepalese people is evident in their efforts to improve infrastructure, promote sustainable agriculture, enhance disaster preparedness, and bridge socio-economic gaps. Nepal’s progress relies on leveraging its natural beauty, investing in sustainable development, and empowering its population to overcome these geographic obstacles and build a prosperous future.

8. Uzbekistan

Photo Credit: Shutterstock.

Uzbekistan, characterized by its arid climate, landlocked location, limited natural resources, seismic activity, and environmental concerns, faces numerous geographic obstacles. Water scarcity, transportation limitations, and earthquake vulnerability pose as obstacles to the country’s development.

Building a Better Society

Photo Credit: Shutterstock.

However, the resilience of the Uzbek people is evident in their efforts to address these challenges through water management, economic diversification, seismic risk mitigation, and environmental conservation. Uzbekistan’s path to a prosperous future depends on embracing sustainability, investing in infrastructure, and leveraging its cultural heritage to overcome geographic hurdles.

9. Russia

Photo Credit: Shutterstock.

Due to its immense size, extreme climatic conditions, intricate logistics, geopolitical complexities, and environmental issues, Russia has substantial geographical obstacles. The vast expanse of the country, diverse landscapes, and extreme temperatures pose formidable challenges to infrastructure, transportation, and human settlement. The abundance of natural resources requires efficient extraction and transportation systems.

Land Wars in Asia

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Moreover, geopolitical complexities and border disputes add to the challenges Russia faces. Environmental issues, including pollution and the impact of climate change, also pose significant concerns. However, the resilience of the Russian people is evident in their efforts to address these challenges through infrastructure development, resource management, and environmental conservation. 

10. Chile

Photo Credit: Shutterstock.

Chile’s geography presents significant challenges, as it’s characterized by its extensive length, diverse landscapes, seismic activity, water scarcity, and inaccessibility to remote areas. The country’s elongated geographical structure presents transportation and connectivity challenges. Continuous seismic activity and volcanic hazards require ongoing efforts to strengthen resilience. The agricultural sector and the welfare of the population suffer due to water scarcity and drought.

Rural Communities

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Moreover, remote regions encounter limited access to essential services and opportunities. Environmental conservation and biodiversity preservation are crucial. But by embracing innovation, protecting the environment, and fostering inclusivity, Chile can overcome its geographic obstacles and strive toward a prosperous future.

The countries with the most challenging topography face unique challenges that shape their development paths. From Mongolia’s rugged terrains to Haiti’s vulnerability to natural disasters, these countries demonstrate resilience and determination. Despite the difficulties posed by extreme climates, limited resources and inaccessibility, these nations strive for development, infrastructure, and disaster preparedness.

These are 10 Things That Completely Destroyed The Love in a Relationship

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There’s no question that relationships can be confusing, but here are some of the top things to avoid if you want to keep your relationship healthy!

10 Actors and Actresses People Refuse to Watch Ever Again

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We all have a favorite actor or actress, but most of us have a least-favorite as well. Check out this list of actors and actresses people never want to see performing again!

Top 10 Worst Human Inventions of All Time

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Some inventions are world-changing, and some of them, well, they change the world in the wrong ways. Here are some of the worst inventions Redditors could think of.

10 Famous Celebrities Who Look Like They Smell Terrible

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We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.

10 Terrible Fads People Are Glad Died Out

Photo Credit: Shutterstock.

Every fad has its time in the limelight, but some of them come and go faster than others; and some just need to die out right away. Check out this list of fads of which people were happy to see the last.



About the Author



Dan Williams



Source: financequickfix.com

Apache is functioning normally

Apache is functioning normally

Tampa, Florida, known as “The Big Guava” to locals, is a historic city in the greater Tampa Bay Metropolitan area, which consists of Tampa, St. Petersburg, and Clearwater. Originally a small town, the cigar industry helped put Tampa on the map. In the past few decades, the area has seen significant growth and has become known for its lovely beaches, rich history, and lively sports scenes. But is Tampa a good place to live? Luckily, we’ve got you covered. 

If you’re looking at homes for sale in Tampa or apartments for rent and are considering making the move, this Redfin article is for you. We’ll dive into 10 pros and cons of living in Tampa to help you decide if the city is right for you. 

5 pros of living in Tampa, FL

There’s a lot to love about living in Tampa, from pristine beaches to lively sporting events. Here are five of the best reasons to make the move. 

1. Affordable cost of living 

The cost of living in Tampa is relatively affordable,especially compared to other cities in Florida. Tampa’s housing costs, in particular, are cheaper than nearby cities and on par with the national average. For example, the median sale price of a house in Tampa is $425,900, compared to $560,000 in Miami and $550,000 in Fort Lauderdale. This helps make Tampa an attractive option for those looking for an affordable place to live in Florida near the coast. 

If you’re looking to rent an apartment in Tampa, the average rent is $1,543 – which is just slightly above the national average. 

2. Weather

Tampa’s climate is subtropical, which means mild, dry winters and hot, humid summers. Daily high temperatures rarely drop below 70 degrees Fahrenheit in the winter or rise above 100 degrees in the summer. If you prefer warm weather and year-round sun, Tampa’s climate will be perfect for you. This is especially true for those seeking refuge from colder northern climates.

3. Outdoor activities

Tampa’s location on the Gulf Coast of Florida means it has numerous beautiful beaches and coastal trails, including Clearwater Beach, Fort de Soto Park, and Archibald Beach Park. It also boasts many state parks and nature reserves, and is only a few hours from Everglades National Park. The bay and nearby rivers also provide ample opportunity for water sports such as boating, kayaking, and fishing.

4. Sports

Tampa is a sports lover’s paradise. It’s home to three major professional sports teams: the Buccaneers in the NFL, the Rays in MLB, and the Lightning in the NHL. Tampa also hosts the Outback Bowl for college football, has numerous golf courses and fishing spots, and is a haven for cyclists and runners looking for flat training days. 

5. Community events

Tampa has a rich culture, making for a wide array of celebrations, events, and community get-togethers. There are dozens of popular annual events, many of which take place in the pleasant winter months. Some notable examples include the Gasparilla Pirate Fest, the Florida State Fair, Tampa Pride, and Winter Village.  

5 cons of living in Tampa, FL

Like with any city, there are downsides of living in Tampa. Here are five to keep in mind. 

1. Hurricanes

As a part of Florida, Tampa is susceptible to hurricanes, which are possible from June through November every year. These natural disasters can cause significant damage to property and disrupt daily life when they hit. If you do move to Tampa, make sure you prepare your home for a hurricane and understand your local building codes, evacuation routes, and emergency procedures. 

2. Heat and humidity

While the warm weather is appealing to many, the intense heat and humidity of the summer months can be a drawback. It’s not uncommon for temperatures to reach into the high 90s with high humidity levels from June through August, with plenty of rainfall as well. 

3. Traffic

As Tampa continues to grow, traffic congestion has become a more significant problem. In fact, it has some of the worst traffic in the US, and in 2022 was the 201st most congested metropolitan area. This is most notable during the morning and evening rush hours, and can add considerable time to commutes.

4. Bugs and wildlife

Florida’s warm and subtropical climate makes it home to a variety of bugs, including mosquitoes, palmetto bugs, and termites, which can wreak havoc on buildings and be an annoyance from day to day. Additionally, Florida is home to numerous unique animals, including the American alligator, Florida panther, and dozens of dangerous aquatic species. 

5. Flat landscape

Tampa, like much of Florida, is very flat. In fact, Florida is the flattest state in the US, with the highest point sitting at just 345 feet above sea level. While this may not be an issue for some, if you enjoy hiking, mountain biking, and other mountainous outdoor activities, you will likely be disappointed. 

The bottom line: Is Tampa a good place to live? 

Living in Tampa has its share of pros and cons. The city offers an affordable cost of living, a vibrant cultural scene, along with pleasant weather and more. However, take into account factors like high humidity, hurricanes, flooding, and traffic congestion. In the end, the decision to call Tampa home depends on what matters to you.

Source: redfin.com

Apache is functioning normally

Apache is functioning normally

The average cost of homeowners insurance in Arkansas is $3,020 per year, or about $252 per month, according to a NerdWallet analysis. That’s more than the national average of $1,820 per year.

We’ve analyzed rates and companies across the state to find the best homeowners insurance in Arkansas. Our sample rates are for a homeowner with good credit and $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. Your rates will be different.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.

We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

The best homeowners insurance in Arkansas

If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.

More about the best home insurance companies in Arkansas

See more details about each company to help you decide which one is best for you.

State Farm

Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Average set of discounts

NAIC complaints

Fewer than expected

State Farm

Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Average set of discounts

NAIC complaints

Fewer than expected

America’s largest home insurer celebrated its 100th anniversary in 2022. One useful endorsement you may be able to add to a State Farm policy is an inflation guard rider, which automatically increases your policy limits to make sure your coverage doesn’t fall short.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.

Farmers

Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Average set of discounts

NAIC complaints

Fewer than expected

Farmers

Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Average set of discounts

NAIC complaints

Fewer than expected

Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings.

Some Farmers policies also come with perks that can save you money. For example, with claim forgiveness, Farmers won’t raise your rate for a claim as long as you haven’t filed one within the past five years.

Nationwide

For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

More than average

Great set of discounts

NAIC complaints

Close to expected

Nationwide

For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

More than average

Great set of discounts

NAIC complaints

Close to expected

We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.

Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.

USAA

Offers perks and affordable rates for the military community.

Coverage options

Below average

Average set of discounts

NAIC complaints

Far fewer than expected

USAA

Offers perks and affordable rates for the military community.

Coverage options

Below average

Average set of discounts

NAIC complaints

Far fewer than expected

USAA sells homeowners insurance to veterans, active military and their families. If you fall into one of those groups, you might want to look into USAA’s offerings. The company’s homeowners policies include some unique perks such as deductible-free coverage for military uniforms and coverage for identity theft.

Homeowners in Arkansas can take part in the company’s Connected Home program, which gives you a discount on your policy if you buy and install approved smart home devices. These include water leak sensors, cameras and thermostats.

How much does homeowners insurance cost in Arkansas?

The average annual cost of home insurance in Arkansas is $3,020. That’s 66% more than the national average of $1,820.

In most U.S. states, including Arkansas, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Arkansas, those with poor credit pay an average of $6,850 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s more than double what those with good credit pay.

Average cost of homeowners insurance in Arkansas by city

How much you pay for homeowners insurance in Arkansas depends on where you live. For instance, the average cost of home insurance in Little Rock is $2,740 per year, while homeowners in Fayetteville pay $2,590 per year, on average.

Average annual rate

Average monthly rate

Bentonville

Fayetteville

Fort Smith

Hot Springs National Park

Jacksonville

Little Rock

North Little Rock

Pine Bluff

Russellville

Springdale

The cheapest home insurance in Arkansas

Here are the insurers we found with average annual rates below the Arkansas average of $3,020.

What to know about Arkansas homeowners insurance

From big natural disasters like tornadoes and wildfires to more common, storm-related risks like flooding and hail, here’s what Arkansans should be looking for when shopping for home insurance.

Tornadoes

Arkansas is becoming a part of Tornado Alley, the geographic stretch with the highest frequencies of tornadoes in the U.S. Tornadoes and wind storms can damage homes and roofs, sometimes even destroying them.

Wind damage, including any caused by tornadoes, is often included in a standard homeowners insurance policy. Read your policy closely, though, as you may have a separate wind deductible. These are often a flat rate, such as $1,000, or a percentage of your dwelling coverage. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.

Flooding

Heavy rainfall or rapid snowmelt can overflow rivers, streams, or lakes throughout Arkansas. RiskFactor.com, a website from the nonprofit First Street Foundation, estimates that over 200,000 properties have an above 26% chance of being severely impacted by flooding in the next 30 years.

Standard homeowners insurance policies typically don’t cover flood damage. As a result, homeowners in flood-prone areas may need to purchase separate flood insurance to protect their property from water damage.

Remember that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.

Hail

Hailstorms are frequent in Arkansas throughout the spring and summer storm seasons. Homeowners may have to deal with hail damage to roofs, windows and siding, leading to costly repairs or replacements.

Hail damage is typically included in your standard home insurance policy, but make sure to read your policy closely, as it may come with a separate deductible.

Wildfires

While not a common risk in Arkansas, wildfires can still be a danger for homeowners, particularly in dry and wooded areas. Homes can be destroyed or damaged by flames, smoke and heat. Luckily, standard home insurance policies cover damage from wildfires.

Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. A significant fire can destroy your whole home, so talk with your insurer to ensure you have enough coverage to rebuild if necessary.

Earthquakes

While generally uncommon in Arkansas, earthquakes are still a risk factor for homeowners to consider when shopping for insurance. As part of the New Madrid Seismic Zone, minor earthquakes are not infrequent. These quakes can cause substantial damage to structures and personal belongings.

Standard homeowners insurance policies don’t typically cover structural damage due to an earthquake. Review your policy carefully, and if you live in an area with higher risk, consider purchasing additional earthquake insurance.

When purchasing earthquake insurance, pay attention to the deductibles, so you know the potential out-of-pocket costs. Your earthquake insurance often has a separate deductible, which can be around 5% to 25% of the coverage on your policy. For example, if you have a 20% deductible on $200,000 of coverage, you would need to pay a $40,000 deductible for earthquake damage before your insurance kicks in.

Arkansas insurance department

The Arkansas Insurance Department regulates the state’s insurance industry and provides helpful information, as well as consumer protection. If you need to file a complaint against your insurance company, you can do so using the online Consumer Complaint Form.

If you have questions about filing a complaint or about insurance protections the Arkansas Insurance Department can offer, contact the Consumer Services division at 800-852-5494 or by email at [email protected]

Amanda Shapland contributed to this story.

Frequently asked questions

Is homeowners insurance required in Arkansas?

Homeowners insurance is not legally required in Arkansas, but your mortgage lender may require you to buy it.

Does Arkansas home insurance cover flooding?

Standard home insurance policies in Arkansas do not cover flooding. If you live in a high-risk area or are concerned about the possibility of flood damage, you will want to buy separate flood insurance.

How can I save money on home insurance in Arkansas?

There are several ways to save money on homeowners insurance in Arkansas:

  • Shop around to make sure you’re getting the best rate.

  • Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.

Source: nerdwallet.com

Apache is functioning normally

Apache is functioning normally

We can’t rely on maintenance for everything.

When it comes to apartment living, ensuring the safety and security of your living space is crucial for your experience. Being aware of potential hazards that can arise during your lease term can save you time and money and protect you and your living experience.

We’ve gathered eight potential apartment mishaps and the practical tips and tricks renters need to know to safeguard their space. By taking proactive measures, you can create a safer living space and enjoy peace of mind in your apartment.

1. Fire

There are a lot of steps taken by property management for renters to protect them against fires. They install smoke detectors in key areas of your apartment and ensure they are in working order. Renters should take it one step further, by regularly testing them and replacing batteries as needed.

Residents should also inform themselves of the tools readily available in the building in the event of an emergency. Hallways should have fire extinguishers readily available and renters should educate themselves on how to use them. Additionally, it’s key to familiarize yourself with the building’s fire evacuation plan and exits.

2. Mold

Renters can take proactive steps to prevent mold growth in their apartments. One effective measure is to ensure proper ventilation by utilizing the installed fans in bathrooms and kitchen areas. These fans help to remove extra moisture from these high-moisture areas, reducing the chances of mold formation.

It is also crucial to promptly report any water leaks or excessive moisture to the landlord or property management. Necessary repairs or actions are then taken to address the issue and prevent mold growth. In the case of wet areas, it is important to clean and dry them to reduce the likelihood of mold growth.

3. Pests

To safeguard your space from critters, start by keeping it clean and free of food crumbs. You can do this by regularly vacuuming and sweeping the floors, wiping down surfaces and immediately cleaning up any spills or crumbs as they come.

Another kitchen trick is to store food in airtight containers and promptly dispose of garbage in sealed bins. You can also request maintenance to seal any cracks or gaps in windows, doors and walls you notice to prevent pests from entering.

If necessary, use non-toxic pest control methods like traps or baits, or request your apartment to consult a pest control service to address any infestations you notice like bed bugs. These preventive measures effectively protect your apartment from pests and help you enjoy a pest-free living space.

4. Carbon monoxide poisoning

Protecting your apartment from carbon monoxide (CO) poisoning is crucial. Ask the leasing staff if CO detectors are in their apartments and if they’re not, request they do so or install your own. Other tips include avoiding indoor use of grills, keeping vents open and not blocked and educating yourself and your roommates about CO poisoning symptoms.

Common symptoms include headaches, dizziness, nausea, confusion, weakness and difficulty breathing. As carbon monoxide is colorless and odorless, it is challenging to detect without equipment. If you experience these symptoms and suspect carbon monoxide poisoning, it is important to evacuate your apartment immediately, seek fresh air and contact emergency services.

5. Electrical issues

Some common electrical issues renters may run into during their lease include power outages, tripped circuit breakers and faulty switches or outlets. While the on-site maintenance team is the best resource in most of these situations, there are a few things renters should have on hand in case of emergency.

During a power outage, having a portable battery pack is essential. You can charge your electronics, plug in a flashlight and have power on hand for however long you may need it.

For tripped circuit breakers and faulty switches, it’s best to leave these alone and consult the apartment maintenance team to avoid making the situation even worse. You can avoid these mishaps by not plugging too many things in at once and checking for faulty switches and plugs when you initially move in and notifying the leasing staff.

6. Burglary

While apartments are generally secure, burglaries can still occur meaning additional security is necessary. Start by checking that all potential entry points, including doors and windows, have sturdy locks in good condition.

You can reinforce sliding doors with bars or a security rod with tools for additional peace of mind as well. If your apartment comes with a security system, it is worth the additional fee to utilize it for less stress. If they do not, consider installing an apartment-approved security system like a Ring doorbell camera to keep an eye on your apartment surroundings.

It’s also important to establish good relationships with your neighbors, as they can act as an extra set of eyes and ears. If you’re going to be gone for a long period of time, asking a neighbor you trust to collect any packages or mail left in front of the door also helps your apartment appear occupied during your absence.

7. Storm damage

From light rain to tornados, there is a lot you can do to protect your apartment, belongings and yourself from potential damage. In the case of bad weather, make sure to remove any patio furniture that would be blown away or damaged by rain and other weather conditions. Moving your car to a higher level in the parking garage or a higher elevation spot on the road will also protect your car from the damage of flooding.

In severe weather, secure any loose items or furniture inside your apartment that could be easily knocked over during a storm. Another essential step is having an emergency kit prepared with essentials like flashlights, batteries and a first aid kit. Lastly, determine the building’s area designated for residents to go during a storm. If your building doesn’t have a storm shelter, choose an enclosed spot away from windows.

8. Personal safety

We’re not always in our apartment, and it’s important to stay aware of your surroundings even in apartment common areas, garages and mail rooms. Avoid getting your mail or moving your car late at night to protect yourself from others.

If your apartment has a gate code or main door code, avoid sharing with too many individuals, as limiting access helps maintain security and prevents unauthorized entry. Being vigilant and cautious in these shared spaces can significantly contribute to the overall safety of your apartment.

Protect yourself and your living experience

As a savvy renter, you may not have complete control over your apartment living experience, but there are numerous proactive steps you can take to enhance your safety and well-being. By following these tips and tricks and utilizing the apartment on-site teams, you’re protected from the expected and unexpected.

Ready to find your safe space? Start your apartment living journey today.

Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.

Source: rent.com