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La vérité sur l’assurance habitation

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Être propriétaire d’une maison ou d’un condo est synonyme de sécurité, de fierté… et de responsabilités. Il est primordial de protéger ce qui est probablement l’investissement le plus important qu’il vous sera donné de faire.

Voici des informations et des conseils de la part de Intact Assurance qui aideront les propriétaires et les locataires à prendre des décisions éclairées.

  1. L’assurance du propriétaire ne couvrira pas les locataires en cas de dommages. Un locataire non couvert par une assurance pourrait devoir payer des sommes considérables s’il cause des dommages à l’immeuble ou à son appartement, même en cas d’accident.
  2. L’assurance protège aussi les gens. S’il est essentiel de protéger le contenu de votre résidence, il est aussi crucial de tenir compte des gens qui y habitent. Comme la couverture de responsabilité civile s’applique à tous ceux qui habitent chez vous, des modifications devront être apportées à votre police en cas de changement à la composition de votre ménage. Intact Assurance fait affaire avec des courtiers afin de s’assurer que leurs clients sont bien couverts.
  3. Rénover sa maison  a une incidence sur la couverture. Dès que l’aspect de votre résidence change, votre couverture devrait faire de même. Informez votre courtier de toute amélioration apportée à votre propriété pour vous assurer que votre police est à jour et que vous demeurez toujours adéquatement protégé.
  4. Tout peut arriver quand vous vous éloignez. La majorité des assurés ne savent pas qu’une absence prolongée peut avoir une incidence sur leur couverture. Votre maison n’est pas à l’abri des dommages quand vous n’y êtes pas , et connaître les détails de votre police vous permettra d’éviter les risques inutiles quand vous vous absentez.

La meilleure chose à faire, est de discuter avec votre courtier en assurance pour choisir la protection la mieux adaptée à vos besoins.  Effectuez des suivis réguliers pour qu’elle demeure adéquate lorsque votre situation évoluera.

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Minor renovations that make a major difference

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(NC) Renovations can be a daunting task. If your goal is to increase your property value, smaller upgrades can provide a higher return on your investment.

Here are some budget-friendly projects for key areas of your home that can boost your property value:

Kitchen. You don’t need a complete remodel to increase the value of this space – it can be as simple as focusing on one thing, such as cabinets or countertops. Refacing old cabinets by adding a fresh coat of paint, a new finish or updated knobs can bring new life to your kitchen. Adding new granite countertops is an easy way to modernize an older kitchen. Make sure to choose a countertop that fits with the price point and aesthetic of your home.

Bathroom. The bathroom is where most of us begin and end our day; modernizing it is a great way to increase your property value. New floors or shower tiles will give the illusion of a complete makeover. Updating the vanity, sink or mirror are also inexpensive options. Smaller bathroom projects like these can have high appeal to future buyers.

Windows. These are often overlooked in renovations. However, upgrading windows is a great idea for both aesthetic and energy-saving purposes. In cooler climates you can purchase windows with insulating properties, and in warmer climates you can purchase those that reflect sunlight.

Deciding on the right budget to suit your needs can be hard, but worrying about the financing shouldn’t hold you back. For an easy way to finance these renos, check out The Home Depot Project Loan, available across Canada.

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The hottest bathroom looks this year

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(NC) Thinking about renovating your bathroom this year? Whether it’s a simple update like a fresh coat of paint or new hardware, to a complete overhaul of your layout, there is a lot to consider when renovating. Read on for some of the latest trends.

Bold colour choices. Similar to what’s happening in the kitchen, bold colours are making their way into bathrooms, from deep blues to forest greens and even black. If you don’t love painting, consider bold wallpaper. It works particularly well in powder rooms, as the smaller space is a great area to experiment in without overwhelming the rest of the house.

Compact design. New designs are embracing less square footage by combining features, with fewer double sinks and more shower/bath combos. Installing glass doors instead of using shower curtains creates a more open look. Wet bathrooms are also growing in popularity and create a show-stopping look while maximizing small spaces.

Terrazzo time. Terrazzo is making a comeback with a modern twist. Today’s terrazzo comes in a wide variety of colours and uses an assortment of other materials to get its signature bits-and-pieces look. It’s a great alternative to stone and marble as it isn’t as expensive. Plus, it’s as durable as it is eye-catching, while requiring minimal maintenance.

Statement mirrors and art. Many people see the bathroom as a functional room and not a place for statement pieces, but this space is an extension of your home. An easy way to change the appearance is to update the mirror. Round mirrors in particular are very popular this year. Don’t be afraid to move pieces from other rooms in your home here to achieve a more interesting look.

Industrial chic. Exposed plumbing and hardware are being incorporated into new designs this year, a look that allows a number of unique metal finishes to be shown off. From matte black to copper and gold, try mixing and matching in your bathroom.

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Most popular handyman jobs for spring

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(NC) As the weather warms, it’s an ideal time to tackle home renovation projects. Here are the top jobs worth hiring a handyman for this spring:

Deck and patio repairs. If you have one of these outdoor spaces, it’s a safe bet that you’re planning on spending a lot of time out there over the summer. Since decks see so much action, they require proper maintenance and upkeep. Fixes can include warped or rotten wood, popped up nails or loose handrails.

Power washing. A small task that is often overlooked is maintaining the overall cleanliness of the outside of your home. Have the exterior, back deck and driveway power washed to easily freshen it up.

Window washing. From snow and rainstorms to heat waves, there’s a lot of muck that can build up on your windows. A professional will get those hard-to-reach places clean and make your windows and your sills sparkle.

Caulking and weather-stripping. Weather-stripping and caulking can have a significant impact on keeping cool air in and hot air out—and vice versa come winter. If there’s a significant leak it will also help save money on your energy bills.

Updating doorbells and locks. Keeping your home secure is always a priority. With so many new smart locks and doorbells available, consider an update that allows you to keep an eye on your home from afar. From video doorbells to smart security cameras[KM1] , it’s one less thing to think about when away from home.

Updating the backsplash. This small job makes a big impact. It’s a great way to inject some personality and make it look like you’ve done a lot more to the space than you have. If you want to go all out, have your handyman also paint your kitchen cabinets for a quick and easy kitchen makeover.

Find the perfect handyman for your spring jobs at homestars.com.

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