🏡Stage a Clean #Home – #Irvine

built in nook
built in nook with a very clean look

Preparing your home is key to making sure you receive the best purchase offer possible.  This is one of the key responsibilities of a good Realtor. When choosing your Realtor make sure they plan to work with you from the beginning to the end. You need someone who knows how to Stage your home according to your budget and make it sell for best Dollar. One thing to keep in mind, spending thousands  of dollars on new furniture and appliances should not be your priority.

Read More: Choose Your Realtor Wisely

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Do not allow your Realtor to take pictures for Listing your home until you are ready and comfortable with the way your home looks.

Most buyers these days pretty much choose the home they will be buying via the internet Search. They will visit the home last just to confirm what they have seen. Buyers do not have the time and they prefer to do most of their research online, that is why you need to have quality staging followed by great photographs.

Here are some basic rules to keep in mind and implement:

1. Remove all clutter – you want your house to be seen and focused on rather than your belongings. Remove your personal belongings. Leave three items of varying heights on each surface For example, place a lamp, a small plant, and a book on an end table.

2. Furniture Placement – After #3, you need to rearrange the furniture to what is trending now. Ask you Realtor for assistance. This is one of her main duties to make sure the house looks good and furniture is placed properly around the house.

3. Furniture – Cut back on the furniture. If you have a lot of  items covering pretty much all of the living room corners, you know what you need to do.

Ask Me Anything (Christina Khandan Irvine, California Realtor)

4. Clean the house – Do a Thorough cleaning of the house, if some touch of paint is required, get it done. Baseboards always can use some color.

5. Color – If you can add it to the budget add some color to some of the rooms. Use current fashion paint, visit home models or ask your Realtor for ideas.

6. Landscape – If you do have front/back yard make it look the best it can. Add some flowers and new soil along with lighting to the front of the house. If you have outdoor sitting, BBQ, Fireplace, make sure they are cleaned and up to par. Investment in a small fountain is not a bad idea.

 

 

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🏡 5 Things to Consider When Buying Your #Home – #Irvine

Always Remember: Neighberhood, School and Price

Always Remember: Neighborhood, School and Price

 

Few Secrets to Buying Your First Piece of Real Estate

Choosing where to live and work can be difficult specially if your are just getting started out of school and are starting a family. There are some basic simple rules to follow when you are deciding where to live and raise your children. These are simple and to the point so take a minute think how each will relate to your lifestyle and requirements.

 

1. Community – Basic conveniences, access to park and Entertainment, Family and School District

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2. Mortgage – Pick what you can afford
3. Inspect – Get a home inspector before buying a home
4. Decor – Look past the decor of the House you are looking at and imagine the house empty

5. Outside Influence – Keep the Decision making process limited to key few people

Ask Me Anything (Christina Khandan Irvine, California Realtor)

 

Short Video showing you some basic Criteria to look for before Buying your Home

 

Affordability:

 
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🏡Mello-Roos Tax – #Home #Irvine

Mello Roos Pic

In 1789, Benjamin Franklin wrote, in a letter to Jean-Baptiste Leroy, “ . . . in this world nothing can be said to be certain, except death and taxes.”

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And one certain thing about taxes is that, once imposed, they are usually increased, seldom reduced, and almost never go away.

In 1978, California voters passed Proposition 13, which restricted the ability of local public agencies to raise funds by increasing property taxes. To provide an alternate method of financing public improvements, state Senator Henry J. Mello (D-Watsonville) and Assemblyman Mike Roos (D-Los Angeles) co-authored the Community Facilities Act of 1982.

Ask Me Anything (Christina Khandan Irvine, California Realtor)

This Act made it possible first to define a community facilities district (CFD) and then to tax all of the parcels within that district as a means of paying the principal and interest on bonds used to fund facilities—such as parks, roads, and schools—for that district.

Thus, rather than forcing builders to pay upfront for projects to meet the needs their developments created, it was possible for government agencies to borrow hundreds of millions of dollars for those projects and to pay off that debt through Mello-Roos taxes collected over decades.

MelloRoos Def

 

Mello-Roos is a form of financing that can be used by cities, counties, and special districts (such as school disricts). Mello-Roos Community Facilities Districts (referred to as “CFDs”) raise money through special taxes that must be approved by 2/3rds of the voters within the district. A CFD is formed to finance major improvements and services within the district which might include schools, roads, libraries, police and fire protection services, or ambulance services. The taxes are secured by a continuing lien and are levied annually against property within the district

All new communities in Orange County will impose some level of Mello-Roos tax to support their Education, Parks and more. Communities that do not impose this tax are always older homes within the community. That is not to say older homes in Irvine or rest of Orange County are in less quality school districts.

My advice to my client purchasing homes in Orange County is:

  1. Plan for Minimum 1% Property Tax
  2. Your monthly Mortgage Payment
  3. Homeowner Association dues (HOA)
  4. Homeowner Insurance
  5. Always have your Agent Check for Mello Roos Tax

Knowing these basic rules when planning to purchase a home you should have a pretty good understanding of your monthly confirmed expense for your home purchase.

Usually you can put in a property address and see the breakdown of all the taxes if you go through the “pay your bill online” button. I have found searching by address to be a little unreliable though. By parcel number always works.

Resources:

Orange County Treasurer Tax Collector

 

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🏡 Home Inspection – #Irvine #Home

Home Inspection Done Right

 

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During the past several years many homes sat on the market for extended period of time and then were upgraded and rehabbed to be up to standard.

Many of these homes were obviously taken over by banks and during the financial crises banks did not have time to collect all needed document like seller disclosure, inspection report etc.  Also when the Banks sold the homes they could not provide Seller disclosures to the new buyer. In many cases the new Buyer which was flipping or just doing a quick transaction refurbished, cleaned up and did minor upgrade to the homes and then sold them for quick profits.

Home Inspection will Help you with Price Negotiation
Home Inspection will Help you with Price Negotiation

 

Some of the new owners of these homes are now running into old problems which would normally show up on the Seller Disclosure documents or inspection reports assuming they existed prior to their purchase. There could be Cracked plumbing,  sewer line problems, mold in the walls from water damage, but none of this was disclosed during the financial crises fast moving home transactions.

Ask Me Anything

There are some basic things a buyer needs to do when buying a home:

1. Make sure you have a professional home inspection by a reputable Inspection company local to the area.

2. If your county has access to housing inspections reports, it would be best to access them and try to pass the data to the inspector for additional review.

3. Look up city permits for any work done on the property and look for any special work as reference and pass it to your inspector.

Since the financial crises many homes have been bought and sold and many with the same problem being passed along to the next buyer. Take the time and make sure regardless of the homes age, you request for a full home inspection and pay for it.

 

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Few Home Inspection Checklists to review:

 

Home Inspection Checklist
Home Inspection Checklist

 

 

Home Buyer Inspection checklist
Home Buyer Inspection checklist

 

 

Home Buyer Mold Checklist
Home Buyer Mold Checklist

 

 

 

 

 

 

 

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Keller Williams OC Coastal Realty
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🏡Homeowner Association Dues (HOA) – #Irvine

Homeowner Association & Credit Score -  - Christina Khandan -  Irvine California  - www.IrvineHomeBlog.com\HomeDecor
How Homeowner Association Dues can affect Your Credit? If you live in a community with a homeowners’ association, you probably have to pay association dues. They can run anywhere from less than $100 a year to more than $1,000 a month, depending on the community. What happens if you don’t pay?
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What can HOA members do to protect themselves?

First thing to understand is Credit report items related to Homeowner Association Dues (HOA) do not show up on your credit report unless there is a problem.

The only way the credit reporting agencies get this information is via a negative reporting from a foreclosure or judgement. Many reporting agencies have people that comb through the public records for this kind of information, and this is usually the only other way this can show up on a homeowner’s credit report.
To avoid any credit damage from your HOA, try to make payment arrangement with the HOA and do whatever you can to get current.It is best to get started on this before the HOA Attorney receives your file for collection. This could and will result in Attorney fees and expenses.

Ask Me Anything (Christina Khandan Irvine, California Realtor)

 

HOA payment obligations on a property are a legally binding promises between the Homeowner and the HOA and is enforceable under law.

If you are experiencing payments delay issues, monitor your credit report and get a free credit report once a year to see if anything shows up on your credit report. (CreditKarma.com) is a good source.

 

Prior to purchase of any home within an HOA, make sure you read and understand all restrictions and rules regarding your homeowner association.

 

Homeowner associations are responsible for much more than just payments. If you do not paint your home or take care of your Landscape they will send you fix it notice and an allotted time to take care of it. If you do not take care of these requests, plan to be paying large fines until you take care of them.
When searching for a home I always tell my clients to be aware of Homeowner Association Neighborhoods. Yes they are great to have for when you have a neighbor which wants to change their home color to Pink but at the same time you have to follow the rules and upkeep your home.

 

 

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🏡 Your Home Feng Shui – #Irvine #RealEstate

Your Home Feng Shui  - Christina Khandan -  Irvine California  - www.IrvineHomeBlog.com\HomeDecor
Your Home Feng Shui

 

Feng Shui is a Chinese philosophical system of harmonizing everyone with the surrounding environment. The term feng shui literally translates as “wind-water” in English.

Getting started with feng shui for your house & home can be easy when you start with the house basics and gradually move on to the more complex feng shui levels.

This  by no means is the full guide to feng shui, but its some information I gathered since many of my real estate clients have interest in it. If you want to find more information and content regarding feng shui, you can search the internet, find a professionals who do feng shui as a living.

To help you get started with good feng shui in your home, here are some helpful feng shui house steps for beginners:

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  1. Clear Out Your Clutter, get rid of everything you do not love in your house. Clutter clearing is a time-and energy-consuming process that will feel like therapy, but it will help you “lighten up the load,” so to speak.
  2. Have Good Quality Air and Good Quality Light in your house. These two elements are essential for good feng shui energy (called Chi) in your home. Open the windows often, introduce feng shui air-purifying plants or use an air-purifier. Allow as much natural light as possible into your home, and consider using full-spectrum lights.
  3. Define the Bagua, or the feng shui energy map of your house, by using one of the two main feng shui methods – the classical school bagua or the BTB grid. Once you define the bagua, you will know which areas of your home are connected to specific areas of your life. For example, in traditional feng shui, the Southeast feng shui area of your home is connected to the flow of money energy in your life. (read more on Bagua click here)
  4. Get the Basics of 5 Feng Shui Elements in order to create balance and vibrant energy in all areas of your home. For example, if you are working on attracting more prosperity, you will introduce the feng shui elements of Wood and Water in the Southeast area of your house. If your need to improve your health, you will place lush wood feng shui element items, such as plants or pieces of wood furniture in the East area.
  5. Find Out Your Feng Shui Birth Element and create a home to nourish and support your energy. For example, if your own element is Fire, you need to introduce the expressions of Fire feng shui element, such as the Fire element colors (red, orange, purple, magenta, pink, yellow), triangular shapes, etc.
  6. Find Out Your Kua Number and Your Lucky Directions so that you can be energized by good energy from your best, or lucky feng shui directions. Adjust the position of your bed, your desk, the seating in your dining area, etc. For example, if your Kua number is 1, it is best to face one of the following directions: Southeast, East, South, and North.
  7. Always Be Mindful of the Feel of Your Home and how its energy influences your well-being. Make a habit of paying close attention to the so-called feng shui “trinity” that is deeply connected to your health – your bedroom, your bathroom and your kitchen. Nothing is static in the world of energy, so be wise and keep your home healthy and happy.

Ask Me Anything

 

Click on the Feng Shui Picture to view the 2 Page pdf (Click here)

Feng Shui cheat Sheet

 

 

Additional Content and information about Feng Shui  – Click Here

 

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Weekend Projects to Improve your #Home – #Irvine

Happy family painting wall in green.

 

___________________________________________

Improve Your Home: 30 Weekend Projects.

This is a pretty good size list, you might want to print or put away for future Planning. If you are planning to sell your home or just bought one, these ideas can help.

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Install Beaded Board

Beaded board lends a traditional touch to kitchens and bathrooms. Cut holes in the boards or sheets for outlets, phone jacks, and other wall necessities. For a modern take on beaded board, try wider plank paneling, which dresses up the island in this fresh kitchen.

Storage to entry

 

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Add Storage to Your Entry

If a traditional entry closet or a beautiful built-in shelving system is not an option in your home, refashioned furniture can achieve a look that’s equally stylish and storage-savvy. This small-scale table is a perfect size for beside the front door. Though compact, the table’s drawers and shelf make the piece super functional for busy drop-zone items. A wall-mount shelf above the table hangs keys within easy reach.

Make your entrance inviting

 

Make Your Entrance Inviting

A cheery front-door color and a touch of landscaping can do wonders for your home’s curb appeal — and make a lasting impression on guests. Dress the door with new hardware, and add a welcome mat and potted plants near the entrance. Consider installing outdoor lighting to enhance your home’s architecture and illuminate the walkway.

Recharge and reorder

Recharge & Reorder

Get creative with drawer space. Outfitted with divided storage (typically used in kitchen drawers) and a power strip, this drawer serves as a charging dock and daily organizer for cell phones, music players, and other electronics. Drill a hole through the back of the dresser and drawer to accommodate electrical cords.

Give your yard a boost

Give Your Yard a Boost

With flagstone, you can easily make an outdoor patio in a weekend — no mortar required. Add potted plants and outdoor seating, such as a bistro set or an eclectic mix of colorful chairs, to create a quaint backyard escape.

Add Molding

Add Molding

Living room, dining room, great-room: Any common area looks better with the finishing, defining touch of crown molding. If you live in a historic home, make sure your molding choices complement your home’s architectural style.

Paint or Paper a wall

Paint or Paper a Wall

Self-adhesive and repositionable wallpaper creates a romantic accent that’s easy to apply, remove, and reuse. It works like a giant sticker. Peel the decorative paperoff the backing and adhere it to a primed and painted wall. To create a curvy top edge, use your mirror to inspire the outline of your design. Cut the shape from kraft paper and test the look. Tape the pattern on the decorative paper applied to the wall; use a crafts knife to cut around the template. Peel away the paper above the cut.

Update your hardware

Update Your Hardware

Spice up your cabinets and drawers by replacing factory-issue handles and pulls with designs that reflect your personal taste. For a unique, eclectic look, scour antiques shops for hardware pieces.

Look up

Look Up & Give your ceiling a little eye candy.

Beautifully highlight a coffered ceiling with colorful paint, and keep the trim white for a bold visual effect. Placing a ceiling medallion around a fan or light fixture is another way to add architectural flair overhead. Decorative ceiling medallions are available in all shapes, sizes, and styles.

switch to Engery saving windows

Switch to Energy-Saving Windows

If you have a window that faces the prevailing winter winds, replace it with a high-efficiency unit. If the window opening is a nonstandard size, you’ll probably have to order the new window.

Make your fireplace efficient

Make Your Fireplace More Efficient

To quickly and easily rehabilitate your existing fireplace, a gas or wood-burning insert adds energy efficiency to your home without tearing apart your hearth and mantel.

get a Builtin look

Get a Built-In Look

Create extra storage in a snap with kits for bookcases or shelving that you assemble yourself. Try a cabinet/open shelving combination for display spaces.

patch a hole in walls

Patch Holes in Walls

Whether an art-arranging project went awry or you’re tired of looking at dings around the house, concealing wall blemishes is a weekend-worthy project. With a putty knife and surfacing compound, you can easily repair nail holes and other minor wall imperfections. For larger holes, place an adhesive patch over the area and spread an all-purpose drywall compound over it with a trowel. Depending on the size of the wall hole, the compound may need to dry overnight. Paint over the patch when it is dry.

Hang a medicine cabinet

Hang a Medicine Cabinet

With just a stud finder and a drill, you can install the cabinet in less than an hour. For quick installation, choose a cabinet that can mount directly to the wall above your bathroom sink, rather than cutting away drywall and recessing the cabinet between studs.

add a ceiling fan

Add a Ceiling Fan

Add a ceiling fan and save money by not running the air-conditioner on those marginal days when all you need is air movement.

Install a new faucet

Install a New Faucet

Inject elegance into your daily life with a faucet that ups the ante in looks and quality. Just make sure the configuration matches your existing sink, or you might end up replacing that, too.

Spice up your stairway

Spice Up Your Stairway

Add drama to a staircase with distinctive railings or embellishments. Architectural-salvage and reuse centers are hot spots for ideas and materials.

Put dimmers on lights

Put Dimmers on the Lights

Dimmer switches quickly give your dining room the atmosphere of a swank restaurant. You can use standard incandescent bulbs, but if you prefer fluorescent light, look for special dimmable bulbs.

Replace your showerhead

Replace Your Showerhead

Choose a low-flow unit and you’ll get virtually the same sensation of water flow while saving money on your water bill. If your showerhead flow is already low (and shouldn’t be), check to see if hard-water deposits are clogging the holes.

Redo your backsplash

Redo Your Backsplash

Tired of a dull kitchen? Transform the mood of the kitchen with a bold new backsplash in ceramic or glass tile. Just make sure the wall is sound before you start the installation.

Replace an appliance

Replace an Appliance

If you bought your refrigerator before 1993 or your dishwasher before 1994, when the federal energy-efficiency guidelines for each went into effect, consider replacing them with more efficient models. Some newer models use at least 15 percent less energy than required by current federal standards and 40 percent less energy than the conventional models sold in 2001.

light up a corner

Light Up a Corner

With attic space above a dark corner, it’s easy to add a new light fixture, says Daryl Berg, a journeyman electrician in Longview, Washington: “Just cut the hole for the fixture and run the wires through the ceiling joists to a new circuit.”

Swap out a sink

Swap Out the Sink

A new sink can energize a boring bathroom. Before you replace it, though, consider your needs. You might want to try standing in front of the model you’re considering and acting out your morning routine. Will you have enough room to brush your teeth or put in your contacts? Your choice should balance aesthetics with practicality.

Replace interior doors

Replace Interior Doors

Update these often-overlooked interior elements with form and function. Switch a blah door with a finely detailed antique. Or simply upgrade with solid-core doors, which dampen noise far more efficiently than the hollow-core doors common in new construction.

Swap out cabinet door insight

Swap Out Cabinet Door Inserts

Make boring cabinets sing by replacing the door inserts. Stainless steel, stamped tin, wrought-iron grillwork, glass, and wood painted to match your flooring or countertops are all possibilities. The process is simple, says Mike McAllister, owner of Riverside Kitchen Center in Mount Vernon, Washington: “Remove the small flange that holds the existing insert, then replace the insert with your material and add wood or metal stops to keep it in place.”

upgrade flooring

Upgrade Your Flooring

Installing a hardwood floor can take longer than a weekend, so choose a material that’s less time-consuming. Start with anything that comes in a roll, such as sheet vinyl, which looks better and lasts longer than it used to.

Dress up fireplace

Dress Up Your Fireplace

If it’s time to replace that dingy 1970s-era mantel, choose one with enough depth to let you display pictures or other decorations. If you buy a ready-made mantel, don’t be afraid to paint it or add moldings.

add grab bars

Add Grab Bars

Grab bars are one of the simplest ways to make an existing bathroom more accessible, and stylish designs can be found at your local home improvement center. The most important thing to remember when installing grab bars is to find the studs and mount the bars directly to them. Miss the studs and you’ll be pulling out more than the bars when you put your weight on them.

Strip and stain wood cabinets

Strip & Stain Wood Cabinets

Stripping and staining cabinets takes only a weekend, and it will give your space a major facelift. Sealing cabinets with polyurethane will also increase durability. Begin by removing cabinet doors and hardware. Wipe cabinet fronts and doors with mineral spirits to remove any dirt, dust, and grease. Apply a gel-type stripper per manufacturer’s instructions, and then remove the stripper with a plastic putty knife. Next, sand the wood with sandpaper. Using a disposable sponge brush, apply stain in the direction of the cabinets’ wood grain. Allow the stain to dry thoroughly, and seal with polyurethane.

 

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714-388-3771. Fax
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🏡Remove Paint and Electronic Waste – #Irvine

Paint and e-Waste - via Christina Khandan - IrvineHomeBlog.com

 

Moving isn’t one of the most enjoyable parts of the home purchase process. I have helped family members and friends during the move and cleanup and know first hand what is involved.

 

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While helping them sell and buy their new homes one thing I have noticed is that seller clients want to leave cans of paint behind for the buyers.
Sellers suggest that the new owners will use the paint for touch-ups and coloring of additional rooms along with future matching. I encourage the buyers I work with to have the paint removed from the home before they take possession because they are never going to use that paint.

Ask Me Anything (Christina Khandan Irvine, California Realtor)

If a seller leaves you cans of paint for the above reasons, You can pickup all paint and electronics and take them to the following location in Irvine:


– Waste Management e-Waste WM

– City of Irvine Environmental Programs

Irvine has a great recycle center and you don’t even have to leave your car. Just pull up to the location and advise the person of the items in your trunk( kind of like drive-thru). If it’s paint you used for your own purpose then there is no charge. If you are dropping off 25 gallons of leftover paint then they know it’s not for personal use and it was a business ( so be prepared to pay). They don’t just take paint they take hazardous household waste including electronics.

Orange County Hazardous Waste Center Collection

There are four convenient centers located throughout Orange County that accept residential toxic waste. All of the centers are open Tuesday-Saturday 9a.m.-3p.m. and are closed on rainy days and holidays. Note: proof of Orange County residency is required.

Irvine Regional HHW Center Do not place in the trash bin
6411 Oak Canyon (adjacent to the City of Irvine O.S.F.)

Anaheim Regional HHW Center
1071 N. Blue Gum Street

Huntington Beach Regional HHW Center
17121 Nichols Street

San Juan Capistrano Regional HHW Center
32250 La Pata Avenue

For more information on any of the aforementioned centers or materials accepted, please contact Integrated Waste Management directly at (714) 834 – 4000 or by visiting www.oclandfills.com. Click here to download a pdf about HHW from OC Landfills.

 

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🏡How to Save on #HOME Closing Costs – #Irvine

 Home Closing Costs -  - Christina Khandan -  Irvine California  - www.IrvineHomeBlog.com
Typically you can expect to pay anywhere from 2% to 5% on the price of the home as closing costs.
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Purchasing a property will always have certain costs associated with it. These costs are called the closing costs and are normal and customary for a home purchase, although some will differ from one state to another,  but the components of closing costs are pretty much uniform regardless of which part of the country you live in.

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Closing costs are made up of:

Closing Costs Fees - Christina Khandan - Irvine California IrvineHomeBlog.com

(depending on the transaction you might or might not be responsible for all of the above)

A standard closing cost will usually run you about 2% to 5% of the purchase price of the home. Assume you are buying a $800,000.00 home in Southern California, The Closing costs can be a substantial amount if the range is between $16,000.00 to $35,000.00. These amounts are affected during the price negotiations and the offer process for your home. There are several things you can do to save money on your closing costs and here are few examples of them.

1. Negotiation Process:
during the offer process you have to negotiate with the seller. Find out what your estimated costs will be and make sure you try to build some or all of it into the offer. The payment of all closing costs can be a very important part of the negotiation with the seller. This can vary depending on what kind of a Real Estate market you are in. The Sellers motivation to sell and their timing is also very important. Know why they are selling. Do some work and find out why they are selling. Having some facts can help you in the offer process and come out ahead at the end.

2. Shopping:
prior to making the offer for your dream home, do some research and shop for your closing costs. Mortgage rates are not the only item you need to shop for. Everything from Inspection to Title insurance you can do some shopping around and ask for best prices. This can be a great way to save money. One peace of information you might want to keep in mind, is that the seller has the right to choose the Title and Escrow company.

3. Community:
different communities around the country will have closing costs which are higher and lower depending on the locality of the property. Many high-tax areas of the country have much higher closing costs which will get you toward the upper end of the range 5% to 6%. Some areas will have flat rates on certain parts of closing costs like Title insurance or Escrow fees. Take the time and ask around in your community, friends and family, Realtor advice always helps too. Its always best to research the estimates close to your community, better doing some research, rather than blindly assuming a wrong number as the basis for your closing costs.

4. Timing the Closing Schedule.
It is suggested to try and keep the closing date toward the end of the month. It might seem like penny pinching but every penny will count towards how much you will end up paying for your home. Bottom line many lenders assess a charge between the settlement date and the last day of the month. This is to cover the lenders fees and compensate the lender before you will be paying the full principal and interest payment the following month after closing. Even if a nominal amount is involved this cost can be reduced by a good margin if you schedule your closing toward the end of the month.

5. Full checkup.
make sure you get a good faith estimate right up front. Between the initial good faith and final closing the Escrow, title and others tend to add additional fees and expect you to not notice it. Always compare your Good faith estimate with your final cost sheet and make sure the numbers are what you had initially been promised. If you do see a significant price change on any line item make sure you have access to a good Real Estate Attorney and keep all your legal options open.

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Don’t let the process stop you from getting a deal on your next home purchase. Do not be embarrassed to negotiate on the price or costs. If the tables were turned they would be asking or the kitchen sink. So make sure you work on your skills, information gathering techniques and remember if you don’t ask for it the seller will not be offering you any price breaks.

 

 

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Contact me for any Questions about the Real Estate Market, Schools, Communities around Irvine. If You are planning to Relocate to Orange County or are Looking for Vacation Home & Investment Property Please do not hesitate to Send me an Email Email

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Keller Williams OC Coastal Realty
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(Christina Khandan Irvine, California Realtor)

 
 
 
 

🏡Tips For Choosing Home Owner’s Insurance – #Irvine

Home Owner's Insurance - Christina Khandan - Irvine California - www.IrvineHomeBlog.com
Natural disasters and accidents could happen at any moment, You could have a burglary in your neighborhood, many unexpected changes damages to your homes foundation etc. You should know how to protect yourself before it is too late.

 

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If you have a mortgage you are required to have home owner’s insurance. You can be out in the cold if a natural disaster or other home disaster strikes.

Below are a few helpful hints regarding home owner’s insurance.

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1. When considering home insurance, consider how important it is to have a higher or lower deductible. With a lower deductible, your rates will be higher throughout the year, but you’ll have to pay less for damages to your house.

2. If you have recreational amenities in your backyard such as pools, hot tubs, trampolines, or other contraptions that are likely to cause injury, these can raise your insurance premiums.

3. Install smoke alarms in your home. It will not only help to protect your family in the case of a fire but it will also get you about a ten percent discount on your home insurance policy. Many newer homes already have them installed but if they are not, it is an affordable thing to add to your home.

Ask Me Anything (Christina Khandan Irvine, California Realtor)

4. Before getting a renter’s insurance policy, take a look around your apartment and take photos of the things that you would like to have covered if there was a disaster. Calculate each item’s worth and find an insurance policy that will cover at least that amount in the case that you have to file a claim.

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5. Know your coverage limitations if you own equipment that insurers consider high-risk, such as swimming pools or backyard trampolines. Your insurer may not pay liability claims for accidents involving such equipment or you may be required to purchase extra insurance to cover any injuries or damages that occur because of them.

6. When shopping for homeowners insurance, try to choose a user-friendly company. Hassle-free claims processing is key. Consumer Reports is one of many consumer advocacy organizations that provides unbiased, comprehensive information about various companies.

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blueline

🏡
Contact me for any Questions about the Real Estate Market, Schools, Communities around Irvine. If You are planning to Relocate to Orange County or are Looking for Vacation Home & Investment Property Please do not hesitate to Send me an Email Email

 Picture Galleries l Twitter l Facebook l Pinterest
Christina Khandan
Keller Williams OC Coastal Realty
949-433-0803. Mobile
TwitterPinterest Facebook EmailRSStumblrGoogle+Linkedin

(Christina Khandan Irvine, California Realtor)

 
 
 
 

Personalized Service Beyond Expectation – by Christina Khandan

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