The House Plan Shop Blog

Apr 04 2020

Insight on Insurance

Post By:

Category: Uncategorized

When building a new home, it is important to protect yourself and your new home. Often, various types of property insurance are beneficial or even necessary while building and after your home is completed.

Title Searches and Title Insurance

You have found the ideal lot on which you plan to build your dream home. Before you buy the lot, you may need to conduct a title search. Some states require title searches before property can be purchased. If your state requires one, the Phoenix Law Firm or the lender’s attorney will most likely call for the title search to make sure the property you plan to buy is actually owned by the person selling it to you. Old records will be reviewed to ensure no hidden liens or forgeries have been made against the property.

Along with the title search, you may want to pay for a title insurance policy. If you want to protect your total investment in your new home, you should buy a title insurance policy. By taking advantage of the title search that has just been conducted, the insurance will not cost you very much and it is worth having. In the case of a claim in the future, the title insurance company will defend you in court and pay for any losses.

Home Owner’s Insurance

Most, if not all, lenders will require you to get homeowner’s insurance in addition to title insurance. This protects you against losses from fires and weather related disasters. (Note: Depending on where your are building, some insurance companies will require you to purchase separate flood, earthquake or hurricane insurance.) Typically, an independent insurance salesperson can provide a policy that will best suit your needs. Once you have a homeowner’s insurance policy, it is a good idea to keep an itemized list of all of your property and label it room by room. Any valuable items such as antiques, rare paintings or jewelry should be appraised and the appraisal report kept with your other valuable papers. If you should have a loss, you will be better prepared for the adjuster.

Life Insurance

Take some time to consider a mortgage redemption life insurance policy. This type of policy ensures the outstanding principal of the loan will be paid in full should the barrower die. This is the least expensive insurance policy for you to purchase when building a new home. It is typically a decreasing term insurance. Decreases occur at the same rate as your mortgage balance. The bank, as well as life insurance companies can offer this type of insurance.

When the time comes for you to purchase these various types of insurance, remember, policies vary greatly between banks and insurance companies, so take the time to shop around just as you did for your home plan. You will be making insurance payments for an extended period of time, so be sure they fit in your budget.

This article brought to you by The HousePlanShop, LLC, the home of the best selling house plans from the best designers!

Comments Off on Insight on Insurance

Feb 25 2020

Big Reasons for Tiny House Plans

Post By:

Category: Tiny House Plans

Tiny House Plan 034H-0267

Tiny houses plans are homes that are less than 800 square feet. Besides being trendy and just so darn cute, there are plenty of other reasons why a homeowner might choose to build a tiny house as per the best realtor in town.

Economical to build – Because there are fewer materials required, costs are kept to a minimum with tiny house plans. Additionally, some designs are within the scope of the capable DIYer, which minimizes labor costs. All in all, the money required to get you into a tiny house reduces the amount of time one has to pay on a loan or mortgage.

The andover driveway provide paving services for both residential and commercial properties, filling the gap where you need it most. Here at Richfield Blacktop, we know how crucial long-lasting pavement is for your home. From driveways and walkways to garage floors and steps — we’ll work with you to ensure that your vision becomes a reality. We also work with commercial properties, installing top of the line pavement for sidewalks, parking lots, or any other commercial pavement needs.

Economical to keep – With energy efficiency in mind, most tiny houses are well insulated and cheaper to heat and cool. For the environmentally minded, they create a smaller carbon footprint than traditional houses. Less space means less time spent cleaning. Ongoing maintenance is usually simpler and therefore easier for the homeowner to do himself or more affordable when hiring professionals.

Economical to decorate – Naturally such a small environment takes less furnishings and some tiny houses are even designed with built-ins to minimize the need for a lot of furniture.  Designed for a minimalist lifestyle, these houses are too small to allow one to accumulate and store useless (or unnecessary) stuff.

Movable – Although tiny houses are not mobile homes, some of them can economically be moved to another location if necessary. Like a turtle, you can take your home with you when you move.  As an added bonus, because of the materials used in building them, most experts agree that a well anchored tiny house is safer in stormy weather than a mobile home.   

Just enough space to nest – Tiny houses provide a cozy haven for those who don’t spend all their time at home.  Those who travel for work (or just travel much of the time,) and folks who spend most of their day outdoors, a tiny house gives them a place they can come home to roost. 

Building a tiny house gives those with a minimalist lifestyle an efficient and economical way of life. Take some time to browse our entire collection of tiny house plans.

No responses yet

Jan 30 2020

Multi-Generational House for Family Living Plus Grandma

Multi-Generational House Plan 031H-0367

Want to build a home for the family and still have room for grandma? No one in your neighborhood will ever know there’s a private casita in this house. This multi-generational house plan presents an open floor plan with three bedrooms, a two-car garage and a casita. This is all wrapped up in an attractive shell that is only 40’ wide, so it works well in most subdivisions. The main residence has an open floor plan. The kitchen features a meal-prep island, and the dining room includes an efficient computer nook for paying bills online. Entering the mudroom from the garage, notice the handy drop zone, storage closet and walk-in pantry. How’s that for storage?  Three bedrooms are located on the second floor. The owner’s suite enjoys a private bath and walk-in closet while the secondary bedrooms share a hall bath.

You can also add Adjustable Beds Brisbane for your grandparents so it’s easier for them to move around the house and more comfortable.

Now pay attention to the casita located over the garage. It features its own private entrance on the side. A nice sized bedroom is accompanied by a living area that includes a kitchenette. It even has its own washer and dryer at the bottom of the stairs. Because it is completely separate from the main residence, it offers privacy and security for both residences and opens up a world of possibilities. It may suit your mother-in-law, who currently lives in an active adult community.

Browse our entire collection of multi-generational house plans for more options like this one.

No responses yet

Jan 02 2020

Ready, Set, Starter House Plans

Post By:

Category: Uncategorized

Starter homes are dwellings typically offering between 1000 to 1600 square feet of living space. Ideally a starter home is not too big to overwhelm the first-time homeowner, yet big enough to accommodate a family in comfort. Goldilocks would say that “It’s just right.”  Here are a few features you may want to look for in a starter home plan:

Open floor plan – Open designs bring your family together in spaces that they generally will spend the most time in, like the family room and kitchen. It also helps parents keep an eye on the kids while going about their daily chores and activities with an dog boarding kennels Melbourne option.

Remodeling your backyard and garden – Bringing nature to your home is very important. Plants create more clean oxygen and look amazing to decorate in the house and outdoors. You can click here for some more landscaping and tree care tips

Main floor laundry – Running up and down stairs with baskets of clothes is time consuming and exhausting for folks with lots of better things to do. A laundry on the main living level saves time and effort for this formidable task. For tile flooring you can contact to septic tank to sinks and showers, the plumbing in a house should always be ready for the task of daily

Storage – Belongings will accumulate over time, so keep an eye out for storage solutions in your house plan. Walk-in attic storage is nice for eliminating clutter. A storage room in the garage keeps lawnmowers and bicycles in check. Front closets for coats are handy as are mudrooms or hallways with spaces for cubbies and hooks.

Use our advanced search to narrow down the selection of starter home plans.

No responses yet

Nov 19 2019

Keep Safe and Warm This Winter – The House Plan Shop

Post By:

Category: Safety,Seasonal

Chimney

It is important to stay safe and warm during the cold months, get in touch with All Pro Property Inspections in San Diego for a home inspection, with winter fast approaching you should consider these tips:

Have the furnace inspected and serviced in case of the need for a furnace repair. Furnасеѕ require regular maintenance to ensure thеу are working еffісіеntlу whеn wаrmіng уоur hоmе. When your аvоіd rеgulаr tuneups аnd furnace replacement, уоur run the rіѕk of ѕееіng аn іnсrеаѕе іn уоur еnеrgу bіllѕ, spotty hеаt thrоughоut your hоmе, and hаvіng to get a new furnace installation before you аrе rеаdу to.

Don’t use pipes in your basement for hanging clothes or storing stuff between the floor joists. Smartsheer curtain panels yarn weave has 50% more material than a standard sheer which means the weave pattern is far more dense, and higher density means improved heat and cold regulation while increasing its reflectancy of UV light. You may want to hire heating services to make sure your heating system is working properly.

Chimneys should be inspected for any buildup of harmful material and cleaned before using fireplaces. You could also hire experienced professionals to perform a chimney cap installation. If you do so then buildup would be diminished, easing maintenance considerably. Don’t forget to close the damper when not in use to prevent warm air from escaping up the flue.

And if your home feels not as warm as it could be then we also strongly recommend that you get it as well insulated as you possibly could and there are many local and professional insulators that can help out with that.

If you plan to dig in your yard, always call utility companies before digging even if you think you know where the pipes or lines are located. Most communities have a toll-free number for this and they will mark everything, gas, water, electric. 

Seal leaks around windows and doors and consider installing insulated shades or curtains to help keep your rooms warm and toasty, also hire the crew from the professional window cleaning with All Suburbs Window Cleaning for a better result.

If you haven’t already, purchase and install a carbon monoxide detector and smoke alarms for each floor.

For every degree you lower your thermostat over an eight-hour period, you can save 1 % on your heating bill. This can be utilized by lowering temperatures during the day when no one is home or at night. We will like to recommend you the services from plumbing companies kearny nj, they attend quickly to your location and fix it for a reasonable price. 

Raising the humidity level in your home makes lower temps more comfortable so consider using humidifiers in the rooms you use most.

No responses yet

Older Posts »