Making the decision to renovate any room in your home comes after a lot of thought and planning, but don’t forget that changes in your home can create changes in your homeowner’s insurance.  Whether the renovations lower or increase the payment depends on the job, so we’re going to look at how a remodel can affect your wallet: 

• Additions:  Whenever you add square footage to your home, your policy will need to be upgraded, likely increasing your premium. 
• Converted Space:  Turning your garage into a home theater or creating a master suite from your attic space may not require changes to the policy if the square footage is already covered, but as replacement value has changed, you will want to increase your coverage. 
• Home System Upgrades: Improving electrical and plumbing systems can lower your premiums, as upgrading them can make your home safer from incidents relating to fire and leaky pipes. 

• Pools:  Installing a pool or hot tub in your backyard will add to the replacement value of your home, and you’ll need to increase liability coverage to protect yourself in case of any accidents, 
• Roofing:  A new roof can lower your premium, especially if you upgrade it to the latest standards of protecting your home from natural disasters. 
• Security Systems:  According to Safewise, adding a home security system could lower your homeowners premium by 20%.   
• Solar Panels:  You will want to talk to your insurance agent before installing solar panels to your home.  They may require a separate policy, depending on how they are mounted, which would add to your budget.  
• Upgrades:  Whether you use top-quality building materials for your renovation, upgrade the finishes in your home, or install state-of-the-art appliances in the kitchen, you’ll need to change your policy to reflect the replacement value. 

Making changes to your home improve your quality of life in many ways, but it may come at a cost.  Protecting your investment is worth it in the end, but you want to be prepared for anything that will add to your monthly budget. Schedule a meeting with your insurance agent before beginning any major changes in your home so you won’t be surprised when your payment increases. 

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.

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Decorating is the most personal way to express yourself in your home, and sometimes, when you want to try something different–something that doesn’t seem to fit anywhere on the list of design rules–it may be tempting to go with the flow, despite what you want to do.  Get design-rebellious with these tips: 

Color 

• Small room?  It doesn’t have to be a neutral color!  Go bold but create balance with open shelving or smaller furnishings. 
• We’re told not to stick with one color in a room, but going monochrome creates a bold, dramatic statement. 

• Your ceilings can be considered another wall when it comes to color.  Just remember to keep the walls a neutral color and get samples to paint on the ceiling before you commit to it. 
• Trim doesn’t have to be white!  Use high-gloss black for drama, stain that complements wood flooring, or neutrals for a modern twist on a traditional look. 

Finishes 

• If the metal finish on your kitchen light fixture doesn’t match the drawer pulls, it’s fine!  Mixing metals is perfectly acceptable, and check out this article from the Invaluable blog for inspiration! 

• Wood finishes don’t have to be the same throughout the house; create dimension with different stain colors, adding depth to a room or the whole house. 
• Who said tile is only for kitchens and bathrooms? Create an accent wall with tile in any room.  Be inspired by using the HGTV photo library search for whatever room you have in mind and add “wile tall” to the search term.   
• Speaking of kitchen tile, why not use wallpaper for your backsplash?  Protect it from splashes and oils with mounted plexiglass or a sealant made especially for sealing wallpaper. 

Furnishings and Accessories 

• Furniture stores have us fooled into thinking that our furniture sets must match, and this logic applies to even pieces like dining chairs. Mixing styles adds interest. 
• Mixing more than two patterns can be scary, so start small with accessories in bold patterns that are easily changed.  Staying in the same color family with your patterns will made this decision less daunting. 
• If you’d like to add some natural pieces to your space but don’t have a green thumb, then don’t be ashamed to use artificial plants!   
• It’s tempting to just scoot furniture to the wall and leave it because you want to follow symmetry.  Go diagonal!  Check out the difference a rearrangement can make by placing the sofa at a slant and give it a try in your living room! 

Not all rules of design should be broken, and there are likely rules that tell us why going against the norm with our personal decorating has a great result.  If you want to do something different, try it–you may like it! 

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.

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Most homeowners landscape their property for aesthetic reasons, and there’s not a thing wrong with wanting your home’s outdoor areas to look beautiful.  Not only can your gardening be pleasing to the eye, you can attract beneficial insects and small mammals to your plantings.  Follow these tips if you’d like to create a mini-habitat oasis in your yard. 

• If you’re not sure where to begin, contact your local USDA Extension office, and they offer a wealth of information to educate you and get your started on your way to attracting wildlife. 
• Using native plants is the first step in attracting birds and butterflies, and most of these are perennials that have a short blooming season.  Don’t be afraid of losing color; you can intersperse the native plantings with colorful annuals. 
• Purchase or build housing to attract birds, making sure dimensions are correct for certain types of birds, and be sure birdhouse placement is where it will be most attractive to the birds. 

• Other man-made shelters can be made or bought to attract wild things:  houses for bats, butterflies, carpenter bees and ladybugs will not only add charm to the landscape, you will be bringing insects that will help you fight the bad bugs. 
• To invite frogs to take up residence, take any old clay pot, use ceramic tile cutters to make a doorway around the top edge, and turn the pot upside down on the ground for a frog house. 
• Besides placing feeders in different areas, clean water is essential for wildlife, and having small shallow dishes with clean water scattered about (under cover of plantings) will keep little animals coming back to your yard again and again. 
• Attracting wildlife can be wonderful and educational, but having deer devour your landscaping isn’t wonderful at all. Keep them at a distance by using this list of plants that don’t appeal to deer from Old Farmer’s Almanac. 

One of the first things you need to commit yourself to if you’d like all sorts of beneficial animals to visit and even live in your landscaping is going non-chemical for bad insects and weed control.  Education is the key, so do a lot of reading and learning before you begin this venture.  Landscaping that incorporates plants and animals is landscaping that benefits everyone. 

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.

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The Windermere Real Estate Market Trends Report shows the average sales price was $554,681 in April 2019 compared to $499,475 in April 2018. Homes were on the market for an average of 77 days, down from 61 days last year. Homes sold for 98% of the list price.

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.

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The Kissimmee Real Estate Market Trends Report for 34741 shows 52 homes sold in April 2019 up from 47 in April 2018. The average sales price was $205,149 compared to $180,288 in April 2018 and homes were on the market an average of 38 days, down from 40 days in April 2018.

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.

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The Celebration Real Estate Market Trends Report for 34747 shows 166 homes sold in April 2019 compared to 131 in April 2018. The average sales price was $336,257 compared to $325,254 in April 2018 and homes were on the market an average of 76 days, compared to 133 days in April 2018.

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.

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Whatever the reason behind the desire to sell your home, it’s not as simple as hiring an agent to put up a For Sale sign in the front yard.  If you want a successful sale, there are things you need to know and do!  Follow these tips for smooth sale-ing: 

• Do a bit of local research and choose at least three real estate agents to meet with and interview to find the best agent for you and your home’s sale.  
• Gather every bit of “official” information about the house and property:  major appliance and home system ages, dates and permits for any renovations or additions made to the house, warranty paperwork that still applies for any part of your house, including the roof, and any information about your mortgage, if you still have one. 
• Be open to fully trusting your agent about when to list the house, as well as pricing.  Selling homes is their business, and they know about the market, what homes in your area are selling for, as well as knowing buyers who are ready to purchase a new home. 

• Emotionally speaking, you have to “check out” of your home.  You must step back and begin to look at it as a house, and someone else’s future home. 
• Familiarize yourself for what you will need as a seller at closing, so everything will be in order when the time comes. 
• Get ready for some work!  Your house needs to be thoroughly cleaned, decluttered, depersonalized and may need some cosmetic work, such as painting, new carpet, or fresh landscaping.  Remember that first impressions are important when it comes to selling your house. 
• Do you plan to move before the house is sold?  If so, you need to add the cost of staging to your budget, because you want potential buyers to see it as a home, and not an empty shell. 
• Realize that your family’s schedule will be interrupted during the showing process.  The more home-seekers who come through your door, the more your chances are of selling.   

• Having a pre-sale inspection done on the house is a wise decision to make.  Once it’s complete, make sure you address any problems the inspector finds, or discuss your options with your RealtorⓇ, such as lowering your asking price, or offering a repair credit. 
• Before making any upgrades in your house, such as installing a steam shower to the master bath, or integrating smart home features, talk with your agent to make sure they will be worth it in the end.  They will know what is desirable in homes in your market, and it could save you a bundle. 

Last of all, be patient; unless you get lucky with a quick offer, houses can take a while to sell, and there’s nothing wrong with that.  Talk to your RealtorⓇ about the ins and outs of selling–they’ve usually been involved in every situation imaginable.   

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.

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Photo credit: reliefrealestate.com

The house you’ve had your eye on has advertised an Open House, and though you haven’t started your official house hunt, you’re dying to see it.  If you’ve never been to an open house, there are a few things you need to know before you visit–you want to make as good an impression as the house! 

• Dress casually, and maybe even wear slip-on shoes, as some homeowners prefer guests to remove their shoes.  
• Be on time (maybe even early so you can be the first ones there):  unless there’s an absolute emergency, you don’t want to get there when lots of others are in attendance, nor do you want to get there as the agent is locking up to go home. 
• Let yourself in!  An agent may greet you at the door, or they may be waiting for visitors in a central room.  Remember that different agents have a different method, so be prepared for a self-tour, or an agent who would like to give you a tour. 

• Signing in is sometimes optional, but some homeowners require it for their protection, and if you’re ready to start looking for a home, the attending agent can have your contact information so you can talk with them about your needs. 
• If you already have a buyer’s agent, the polite thing to do would be to let the attending agent know who your agent is. 
• While others are looking around, wait until they’re out of a room before you go in, giving them space and privacy. 
• Most houses on the market don’t have closed access, but if you come to a closed door at an open house, ask the broker if it’s okay to go in and look around.  Sometimes another guest has mistakenly closed a door. 
• At the same time, don’t open medicine cabinets or anything else that could have the seller’s sensitive personal items, and make sure it’s okay to check out closet space before you go into the bedrooms. 

• Only take photos with permission.  Most of what you need to know is already provided in the open house flyer and online. 

Take the brochure or flyer the agent has available and take notes on it as you tour the house. Once you’re finished with the walkthrough, stop and ask the agent any questions you may have about the house, and write those answers down. This is especially helpful if you’ve taken a day to visit several houses and will make any discussions with your significant other or your agent much easier. 

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.

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A collection of antique furniture is easily incorporated into your home’s decor.  But what if you collect memorabilia from a favorite movie, vintage kitchenware, or clown figurines?  No need to cram everything into one room on shelves along one wall (though that can make an impact for some collectibles).  Let’s look at some ways you can show off your prized possessions: 

• Consider displaying a few pieces at the time in a prominent place in your home:  mantel, a buffet or sideboard, or coffee table.  Keep the others stored safely away and switch them out every few months. 
• Vintage or antique glass items should be displayed near natural light so they will sparkle.  Open shelves on a wall opposite a sunny window will show off these treasures in a dramatic way. 
• An art collection doesn’t have to be displayed as a gallery wall;  negative space is very appealing, and the St. Mawes Gallery shares some tips on how to make your pieces stand out. 

• Make a collection of items on built-in shelves stand out by painting the insides of the shelves a complementary or contrasting color, especially if the items are the same color, or in the same color family. 
• Small items can be tucked away on a corner shelf, adding interest in a smaller room where there isn’t a lot of space.   
• Plate collectors don’t always display them in cabinets with glass doors; purchase plate hangers that will hold them securely to a wall and create an artful display on a dining room wall or over the soffits in the kitchen. 
• Collecting quilts or other textiles can create a dilemma, because just leaving them folded on a shelf doesn’t always do them justice.  Displaying them on a wall can be done with a little work, and they can be changed out to avoid any damage from the sun.  Check out these quilt-hanging ideas from Suzy Quilts. 
• Shadow boxes are inexpensive ways to display several small things at once, especially vintage toys!  If the items are made of plastic, you can place them all in the frame in a jumble, making it a fun conversation piece, sending people on a toy hunt. 

• Can’t get rid of those vinyl LP’s from high school?  Don’t keep them in a box–album frames are available from most craft stores and online, and you can take your favorites and display them as the art that only album covers can be! 

A collection doesn’t have to look like a hoard or be piled up in a jumble–treat them like treasures and decor items.  Learn some designer tips from Veranda magazine for displaying your prized possessions, and turn your treasures into a photo-worthy display! 

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.

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Some homeowners think they’ll be saving a ton of money by choosing to sell their home themselves, and unless they’re a real estate agent, that may be so.  If you are interested in a house that is offered for sale by the owner (FSBO) what’s the risk for you?  Read on to find out why it’s not a good idea for seller or buyer: 

Sellers 

• According to realtor.comⓇ, the listing agent and buyer’s agent split about 6% of the home’s sale price.  You’ll need to calculate how much it costs you to stage and photograph your home, get an MLS number, market the house, take time from work to schedule showings as well as host the showings, do all of the paperwork involved, and contact and pay attorneys and others who are involved in a home sale, and compare it to the commission you believe you’ll give up to an agent.   
• To be fair, the seller should offer a 3% commission to the buyer’s agent.  Otherwise, most agents won’t bring anyone who’s interested to your home for a showing. 

• Sellers are responsible for any mistakes that have occurred once the transaction is in motion.  If you don’t purchase errors and omissions insurance, you may end up paying out of pocket in court or settle out of court for those mistakes. 
• Pricing your home takes more than just an online search for sold homes in your area, and not only can you overprice your house, but you can lose thousands by underpricing. 
• Scammers abound and can cost you in many ways.  These criminals target FSBO homeowners, because the scammers are savvy enough to make their offer look legitimate.   

Buyers 

• Beware the owner’s asking price.  Since the majority of FSBO sellers don’t have the experience to set a good market value on their home, their quote will likely be too high. 
• Be prepared to wait some time to see the home.  Most homeowners have full-time jobs, and you’ll have to view the home on their time, with them as your host. 
• If a seller tells you their house is in perfect condition, and you can save money by not hiring an inspector, walk away.  Every house even brand-new houses should be inspected before changing hands. 
• Ask the seller what fees they plan on paying, and in the case that they ask to share the costs with you, it’s time to find another house. 
• Do your own research on the house, make sure the person you’ve talked with is the actual owner, and proceed with caution.  There are scams that involve an empty house, FSBO signs, and scammers who will take your money and run, because they aren’t the rightful owner. 

The best advice: hire a RealtorⓇ.  Not only are they the ones taking the risk in selling your home (or not), licensed real estate agents know everything you don’t know about selling and purchasing, devote all their working hours to home-buying, and can protect your investment as well as a buyer’s interests. 

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.

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Photo credit: KCM