Is it Time to Review Your Homeowners’ Insurance Policy?

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Your home may be your biggest investment. Don’t let an unexpected surprise take it away. If there is one thing we have learned over time it is this. No matter where you live, you can expect the unexpected. Fires, floods, earthquakes, storms — we can’t stop them, but we can protect ourselves from financial devastation should the unthinkable happen.

Review your homeowner’s policy to make sure you know what is covered and what you may want to add to the policy in addition to what is already covered.

Things to consider:

Flood insurance and earthquake insurance typically need to be purchased separately from the homeowner’s policy or as additional endorsements.

Your policy may cover hail damage, but what if your roof is destroyed in a hail storm? Will you be able to get a new roof? Does your insurance cover full replacement value of your roof?

Your insurance may cover fire damage, but how do you ensure that all of the contents of your home are protected?

Do you need to consider an umbrella policy, just in case?

There may be ways you can save money and insure your home and its contents even better. An insurance professional will help you review your insurance coverage and make sure you and your family have the coverage you need.

Learn more with this Homeowner’s Guide to Natural Disasters from the Federal Alliance for Safe Homes, Inc., and the The Actuarial Foundation, or contact your insurance agent today.

This year, don’t just renew your homeowner’s insurance policy — review and revise before you renew.

What Can You Do with Leftover PLASTIC Eggs?

Happy easter! Closeup Colorful Easter eggs in nest on green grass field during sunset background.

Everyone’s got a favorite egg salad recipe to put all of the hardboiled eggs to use, but what can you do with the leftover PLASTIC eggs? There are always more plastic eggs than jelly beans and no one remembers where their plastic eggs are a year later. Here are some tips for fun educational activities and other uses for the leftover plastic eggs.

Hold Small Snacks: Put goldfish crackers, pretzel bites, Cheerios or whatever your kids may be snacking on in these fun-size snack holders. They make a nice change from the plastic bags and they add a little variety to your day. And to top it off, they are easier to find in your car, bag or whatever you use on the go.

Play Egg Word Scramble: This is a great activity for older children who are working on spelling. All you need is some alphabet letters and either matching objects or pictures. Place both the letters and the object in the same egg. Explain to your child that each egg contains an object (or picture) and the letters that spell that object. Then have them open the egg and see if they can spell the word.

An alternative for older kids is to put letters in the eggs and have kids make as many words out of the letters as they can.

Play Object Matching: Put pictures of small objects in the eggs. You need two of each object or picture. Have the kids one open all the eggs and then find the matching pairs.

An alternative for older children or to make it a little more challenging, place all the eggs in an empty egg carton and play little memory game by making them find two eggs that have matching objects or pictures.

Get Crafty for Halloween: Plastic eggs make great spider bodies. Paint the eggs back and glue four black pipe cleaners on one side. These are the legs. Use some white paint for the eyes and you have some scary spiders made out of your colorful eggs.

Keep Your Home Smelling Fresh: Stuff with potpourri and use the eggs as an air freshener by puncturing a small hole in the plastic or by using eggs that have holes in them already. Hide them under the couch, behind a chair, on a dresser….they keep your room smelling fresh all year long.

Donate Plastic Eggs: Give your leftover eggs to a church or organization that sponsors a community egg hunt. They’ll know where to find them the next time they need them!

No matter what you choose, you never need to let another plastic egg to waste.

Keeping Kids Entertained at Open Houses

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If you’ve ever had children tag along with open house visitors, you know it can sometimes be difficult to keep them entertained while touring a house. Here are a few ways to conquer kid-size boredom, keep the parents’ attention, and extend time to engage with the family.

Give kids something to do. Scope out a low-traffic station for snacks, coloring or play dough. Hold a contest for the best drawing of the home and offer a prize that winners can pick up at your office. This gets kids involved in the spirit of house hunting and creates additional contacts with prospects.

Give kids something to take home. Inexpensive coloring books and a pack of crayons, a pick-a-prize toy box, or a small goody bag handed off at the end of the visit can add a little extra patience to kids’ reserves. Your level of understanding in the situation will also translate well with parents.

Create a digital playground with a few iPads or a dedicated “kids only” laptop loaded with simple and fun-to-play games, like “My PlayHome” or “Make a House.” Gearing media toward real estate reinforces interest in the parents’ activity and helps them explain the process to little ones.

Ask kids’ opinions. While older kids may not be as finicky, they can distract parents and push to speed things up. Be ready with clipboards and opinion checklists that ask to list their top three likes and dislikes about the home. Send a branded house hunting checklist home with parents.

Kids can be an opportunity to develop a relationship with real-estate-minded parents. Don’t miss out!

Source: Inman

Show Mom You Love Her On Valentine’s Day

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Have plans for Valentine’s Day? Of course flowers and candy may make Mom happy. But if you and the kids really want to show her how special she is this Valentine’s Day, try one of these ideas.

Write her a letter or make her a glittery card. Mom’s going to keep a handwritten letter from her kids for a long time. Grab a pen and paper or some glue and sequins and have your kids write a letter or make a card that shows how special she is. She’s going to savor that treat forever.

Extend Valentine’s Day to a weekend day. You knowMom…would a few hours alone be her favorite activity one weekend day? Let the Valentine’s Day love spread to the weekend and take the kids out for a while.

Clean the house. Vacuum, dust, scrub the bathrooms – you know Mom doesn’t like to do these chores. Help the kids clean so Mom can spend some time in a lemon-scented, freshly vacuumed home.

Wash her car. Better than cleaning the house – wash, vacuum and maybe even wax her car. There’s no mom that’s not going to appreciate a shiny, clean, cup-free car!

Take the kids grocery shopping. Go to the grocery store for Mom. It’s Dad’s turn to push the cart, pay the bill, lug the groceries in the house, and most importantly, say no to sugary cereal and cookies.

And finally – Take Mom out to dinner. It may sound like a fun idea to cook for Mom on Valentine’s Day, but you’re going to stick her with the greasy pots and pans and a sink full of dishes that need to be loaded (and then unloaded) from the dishwasher. Treat her to a night out. Doesn’t have to be fancy. She’ll be glad to not be on KP Duty.

These are a few ways to say “We Love Mom.” But remember, you don’t have to save these for a special day. Make every day Valentine’s Day!

Teach Your Kids to Love Their Home and DIY Projects

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Do you want your kids to grow up and already love a good DIY home maintenance project or at least understand the value of a clean and tidy home? Start working with them while they are young. Kids actually think cleaning the house or helping with home repairs is fun, so the sooner you engage them in this, the better.

Start while they’re young. While involving kids in housework and home maintenance may take more time, getting kids started while they are young will teach them the importance of caring for a home and taking on some hard work. Kids can hold flashlights, hand you tools or carry a light toolbox. Older kids can help with the screwdriver, replace light bulbs or take part in chores like vacuuming or cleaning

Get kids their own toolbox or yard tools like a kids’ rake or lawn mower. Let them imitate you nearby. This makes participation a game.

Talk about what you’re doing. As you work on home projects such as gardening, painting, repairing, cleaning, talk to your kids about what you are doing. You can teach them more and keep them chatting.

Let them decorate their own rooms. Kids spend a lot of time in their rooms so the more they do to make them their own, the more they will like them. They will also feel ownership and want to be in charge of keeping their rooms clean. Comfortable is important.

Teach your kids about important jobs for home owners that some adults don’t think about, including:

Help them locate the breaker box and flip the correct switch when you lose power. They can also help you label the breaker box, a task that a lot of homeowners plan to take on but never do. Kids love to run around the house and let you know what lights are off or on when you flip a switch.

Show them where to turn off the water for the house or in a bathroom. Kids are known for putting weird things down toilets. No matter how often you say not to, they still do it. Even if you don’t show them where the house water turns off, show them how to turn off an overflowing or running toilet.

Change batteries in smoke alarms. Let kids help you change the batteries in smoke alarms. You should do this twice a year and it’s a great time to teach kids about home maintenance and home safety. This could even be a good time to talk to your kids about a fire evacuation plan.

And make a quick cleaning fun!

Have a Musical Cleaning Event! For a fun cleaning game, turn on your favorite fast song and have a race to see who can clean up the most toys while the song plays. Whenever you turn the song on, the kids clean. ! Kids think this is a blast and race to beat each other. You end up with tired kids and a clean room!