As smart homes become more common, some homeowners are going beyond basics like smart bulbs and assistant hubs like Google Home and Amazon Echo. This can take a number of forms, from the addition of smart electronics and security systems to sensors throughout the house that can recognize when people walk into rooms and adjust the lighting and other resources accordingly. One increasingly popular option is the installation of smart switches in lieu of simply relying on individual smart bulbs to control lighting.

So what are smart switches, anyway? How do they work? Can you install them anywhere, or are there specific things that your home needs? If you’re curious about smart switches and whether they would be a good addition to your home, here are some of the basics that you should consider.

Renovating your home is no small investment. Making structural changes can require changes in your home’s insurance policy as well. Check out this list of the most popular improvements before calling your agent: 

• A new roof could lower your premium, especially when upgraded to the latest standards of protecting your home from natural disasters. 
• Whenever you increase square footage by way of a home addition, your policy will need to be upgraded, increasing your premium. 
• Converting already-existing space into a master suite or a media room may not require changes to the policy if the square footage is already covered, but since the replacement value has changed, it would be wise to increase your coverage. 

• When making upgrades to your home, whether using top-quality building materials for a renovation or finishes or installing state-of-the-art appliances in the kitchen, increasing your policy’s replacement value for these items would be worth the additional amount in the premium. 
• Improving home systems, i.e., the electrical or plumbing, can lower your premiums, as upgrades can make your home safer from incidents relating to fire and leaking pipes. 
• Installing a pool or hot tub in your backyard will add to the replacement value of your home, and liability coverage will need to be increased to protect yourself in case of any accidents. 
• According to Safewise, adding a home security system could lower your homeowner’s premium by 20%.   
• Depending on how they are mounted, adding solar panels may require a policy of their own, which would add to your budget.  

Protecting your home should be top priority, but it is wise to be prepared for anything that will add to your monthly budget. Schedule a meeting with your insurance agent before beginning any changes in your home so there will be no surprises when your payments increase. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Photo credit: universal property 

Access Teri’s one-stop Orlando FL home search website.Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

By: www.orlandorealtors.org

Your new home’s closing is imminent, and the excitement of moving is mounting! Besides connecting utilities and updating your address, some things should be done at the new house as soon as possible. Follow these guidelines so nothing will be forgotten: 

• All of the entryway locks and/or keypad codes should be changed. Get a security system set up, and if there is one in place, reset it to default settings and customize it to your needs. 
• If you are a family with small children, have safety measures in place before everyone goes into the house.  
• Deep clean the new house, even if it looks clean. Save money by doing this yourself, or have a professional take care of this before move-in. 

• With a copy of the home inspection in hand, walk through the house and check for minor things that did not require repair by the seller. Have those minor things taken care of before they become major (and costly) things. 
• Painting, removing textured ceilings, and other small improvement jobs will be completed faster if done before all your belongings are in place.  
• Turn on all the appliances, familiarize yourself with the breaker panel, and locate the shut-off valves for utilities. 
• Measure windows and purchase blinds or shades if window treatments were not included in the sale. 
• Get to know your neighbors! Once you have moved in, introduce yourself by hosting a “front porch social” with simple snacks. Hang a banner or place a sign in the front yard asking them to stop by and say “hello.” 

As a homeowner, your to-do list is rarely going to be finished. While many tasks can wait until after settling in, others cannot. Taking care of these “little” things upon move-in will cement the “homeowner” feeling and start you on the road to pride in your home and protection of your investment. 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Filing bankruptcy or losing your home to foreclosure does not mean the end of the road for financial success afterwards.  It can be scary to even think about buying another house, but it is not impossible! Check out these tips to help you back on your way to homeownership: 

• Probably the most important thing to do is to pay all of your bills on time and in full. This will get your credit score climbing back up to a number that will look good to lenders. 
• The bankruptcy process begins and ends with required financial courses.  Ask for a fee waiver so the added costs are not a burden. 
• If your last home went into foreclosure, there are waiting periods for applying for a mortgage: three years for FHA loans, seven years for Fannie Mae/Freddie Mac loans, two years for Veterans Affairs loans, three years for USDA loans, and other lenders have different waiting periods. 

• The homebuying process is different for those above-mentioned agencies when it comes to past bankruptcy. It simply depends on the type of bankruptcy filed. 
• Going through a short sale may be a different situation, but this process has a waiting period as well. The average wait time to apply for a mortgage is two to seven years. 
• Some financial institutions may ask for an explanation–in writing–about the situation that led to the foreclosure or short sale, as well as what you learned during the process.   
• Extenuating circumstances, such as a major illness or job loss, can make a difference in how long you have to wait to apply for a mortgage.  Be prepared with any paperwork that shows your loss of income or increase of debt. 

When you are ready to start house-hunting, find a RealtorⓇ that is experienced with assisting those who have experienced financial hardship and lost a home in the past.  They have a wealth of knowledge to help you every step of the way on the path to a fresh start! 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Photo credit: Dreamstime

It is not necessary to completely overhaul every bathroom in your home, remodel the kitchen, or put down new flooring to give your tired home a boost. Small, affordable improvements can get big results. 

• Decluttering every space in your home is probably the first place to start.  Getting organized is one of the best and simplest ways to improve your home’s look. Selling items on social media marketplaces or having a yard sale will also put money in your pockets for an added benefit! 
• A quick and easy fix-up for your interior is paint! Not only is it inexpensive, but it is also an easy DIY when you tackle one room per weekend. 
• After painting, why not add some crown molding? Purchase plaster-coated foam molding that can be cut with a handsaw and put into place with joint compound. 

• Spruce up your mudroom, kitchen, or bathroom floors with self-stick tiles. This type of vinyl flooring comes in many styles and colors, and you can create a pattern for some added style. 
• Simple kitchen updates can make a big difference:  a countertop makeover, new hardware for cabinets and drawer pulls, peel-and-stick backsplash installation, or new paint on the cabinetry. 
• While costing a bit more, if your bathroom needs a boost, ready-made sink cabinetry,  prefab tub/shower kits, or tub refinishing kits can be purchased at a local home store or online for thousands less than hiring a pro.  
• If a total exterior paint job is not in the budget, give the house a thorough pressure-washing and paint the shutters and front door. Brightening the landscaping with fresh mulch and seasonal annuals in containers are other dollar-saving ways to give the outside an update. 

Homeownership can be expensive, but your desire to make updates do not have to be.  If you are thinking of putting your house on the market soon, even the smallest improvements can make your home “show” better and sell faster.  Add some sweat equity, follow directions exactly, and many jobs can be done on your own.  Either way, you will benefit from the fresh, new look! 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Photo credit: HomeDepot

It sometimes takes a lot of work to get your landscaping just the way that you want it, but it’s worth it when you get to sit down and enjoy your hard work. The only problem is that sometimes it’s just too hot to spend much time out enjoying! This is especially problematic if your landscaping contains a lot of flowers that bloom during the summer months, since the cooler spring and fall won’t give you the same sort of satisfaction in your garden.

There are ways to make the heat more bearable, of course. A little bit of shade and a nice breeze can go a long way toward turning your landscaping or garden into a welcoming oasis for you to relax in. While there are a number of ways you can accomplish this, here are a few ideas if you find yourself unsure of where to start.