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5 Green Updates for Existing Homes

by Nancy Heim-berg

Thinking of making your home a little 'greener'? Updating your home to make it more environmentally friendly will also help make it more energy efficient, saving you money in the long run. However, up-front costs for most of those 'green' updates can be very daunting. This list, though, includes some energy efficient updates that you can do quickly and inexpensively that will begin to pay off right away!

1) Light bulbs: Simply changing your bulbs from 'regular' incandescent bulbs to the newer, money saving compact florescent light bulbs can easily save you over $40 per light, over the course of each bulb's lifetime. These bulbs last more than ten times longer than regular bulbs and use less energy, meaning your electric bills are lower, and you buy bulbs less often.

2) Faucet aerators: A faucet aerator can reduce your water usage by as much as 50%; saving you money on your monthly bill and saving the planet! The aerator fits on the head of your faucet and it works by restricting the water flow. However, you won't notice a weaker flow, instead, the flow actually seems stronger.

Aerators are for sinks, but you can also purchase shower heads designed save water. When you save water, you will also reduce your heating costs, because there is less water to heat, meaning less energy is used. Aerators typically cost anywhere from $3 to $10 and will pay for themselves quickly.

3) Ceiling fans: Turn a ceiling fan on when you walk into the room and allow it to circulate the air from the central air (both the cool air and the heat, as they have a switch to reverse direction). Ceiling fans draw the cool air down and distribute it around the room. These can really help lower your energy bills in both the winter and summer months.

4) New dishwasher: While it may seem like a big expense, replacing an old model with an Energy Star dishwasher could save you 10 gallons per wash. For most households, this means you will save nearly 3,700 gallons of water per year--great for your energy bill, your water bill and the environment!

5) New toilets: New toilets use only about a gallon of water per flush, where older models use almost four. This can save you over 7,000 gallons of water per person per year.

Home Owners Insurance

by Nancy Heim-berg

Your home is most likely one of your largest and most valuable investments, not to mention that it is where you and your family live. With this much importance, it is crucial that you obtain home owner’s insurance protection. This will protect both your home and your family in the event of an unfortunate event. However, it is equally important that you understand some insurance basics when looking for a policy.

1. Know What Is Covered

Most home owner’s insurance policies will cover the home structure and the contents within the home. In addition, it offers liability protection and will cover living expenses if you are displaced from your home. It is advised to cover your home’s structure 100%, while most policies will cap the value of your personal belongings at 50% the total home value.

2. What Is Not Typically Covered

In many cases, floods and earthquakes are not covered under a standard insurance policy. If you live in an area where these natural disasters are common, you will need to ask for a separate insurance rider to obtain the full protection. You may also need to obtain a separate rider for high-valued items, such as jewelry.

3. What Is the Deductible

Most insurance policies include a deductible, which is the amount you will need to pay out-of-pocket before your insurance will cover the rest. You must look at your personal finances when determining how much of a deductible will best meet your needs. However, keep in mind that the lower the deductible, the higher the premium.

4. Are You Getting the Best Rates

Always shop around for the right policy and the best rates. You should also ask the insurance company directly what you can do to lower your insurance premiums. For example, many companies will give a discount if you have multiple policies with them or if you include various safety features on your home, like an alarm system.

The most important thing is that you take the time to understand your policy. You should always know what is and is not included and keep a detailed list of all your personal belongings. This will protect you if you ever need to file a claim. You should also annually evaluate your policy to determine if it is still meeting your needs, and to ensure you are still getting the best rates. 

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Photo of Heim-Berg Team Real Estate
Heim-Berg Team
Berkshire Hathaway
331 Village Pointe Plaza
Omaha NE 68118
(402) 677-9024
(402) 679-7108 | (402) 830-6123
Fax: 402-493-4805

Stacey OHara CMG financial 515-306-2360

 

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