Homeowners Insurance Advice

Home Owner Insurance Rates in Texas

How to Shop for Homeowners Insurance

When shopping around for homeowners insurance rates, be sure to mention any safety-related improvements that you’ve made, especially if it’s an older home. Simply installing a smoke alarm on each floor of your home will not only protect your life in case of a fire, it could save you up to ten percent annually on homeowners insurance.

If you have expensive landscaping around your home, consider purchasing separate insurance for it. Most basic homeowners insurance policies will not cover damage from wind or other environmental factors to landscaping. This means that if your expensive imported trees come down in the wind, your homeowners insurance policy will generally not cover it.

To protect your personal property in a rented residence, you need renter’s insurance. The landlord or property owner will have insurance to cover losses on the building, but not on the items inside your unit. This is your responsibility. Fortunately, renter’s insurance is quite affordable, and it’s available from most insurance companies and independent agents.

If you need to file a homeowners insurance claim, you’ll need to prove your losses. A good way to document your possessions is to take a video while walking through your house, describing the items. Then upload the video to a safe, non-public place online, so it won’t be destroyed if anything happens to your home. Scan receipts for your possessions, too.

Don’t automatically assume that your homeowners policy will reimburse the full replacement or retail cost of your valuables if they are destroyed or stolen. To be covered, they must be included on your policy in the form of an endorsement. A qualified appraisal must be obtained and an amendment added to your policy to ensure full protection.

Make sure you have adequate additional living expense coverage on your homeowners policy in case you are unable to live in your home due to a claim. This coverage provides funds for temporary housing and expenses due to an insured property being uninhabitable because of a claim. These living expenses can mount quickly, so carrying enough coverage on your homeowners policy can save you expense and worry should a disaster occur.

Clearly, you can do several things to get great savings on the insurance coverage you need most. Letting your insurance lapse is never a great idea. Make certain that you’ve always got enough coverage.

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Easy Organic Gardening Tips for Beginners

easy organic gardening texasYou need to have some knowledge of what to do and what to expect from growing and maintaining an organic garden, especially in Texas where the weather can be extreme and pests can really “bug.” You need to know what resources are available to you and who can provide you answers as to what you need. The organic gardening tips below can help you get a start!

To maximize your enjoyment out of your garden, plant a variety of plants – plant herbs next to vegetables. By planting a variety of plants, your garden will be more exciting, and as a bonus it will be far prettier…plus it will help keep certain pests away.

When selecting bulbs, you should know that most bulbs are sold during their dormant period. Buy them as early as possible before they start to produce roots. Most spring flowering bulbs will begin to grow roots by early fall, and by planting them early, you will ensure that they have time to establish themselves. Bulbs will deteriorate if kept out of the ground too long. Don’t buy any bulb that is soft or mushy, or appears to be diseased.

When your summer blooms have bloomed and faded away, remember to dead-head the flowers. This means pinching off the flower heads. This will encourage new flowers to bloom longer next year, and it will also strengthen the plant. Since the flower heads have seeds, you can also save the flower heads that you have pinched off for planting at another time.

For areas with high alkaline, mix coffee grounds into the soil. This is an easy and inexpensive method to increase the acidity of your soil. With it, you will find that your greens and vegetables will be more vibrant and tasty!

Think about asking friends or family for cuttings from their existing plants. Many plants will grow from cuttings so that you do not have to purchase a whole plant yourself. It takes only minutes to learn online which part of the plant you should cut off to replant, and using cuttings can save you hundreds of dollars in landscaping and gardening costs.

A great way to keep insects and pests at bay in your garden is to spray your plants with a dish soap and water mixture. A mixture of one quart water and one half teaspoon dish detergent will kill off those pesky parasites. Be sure to respray every fourteen days.

As you have seen in the above tips, there is a lot of knowledge you can acquire before starting to grow your own garden and it is this knowledge that can help you. Do everything you must, in order to figure out what will work for you, in regards to your gardening needs.

Get more tips on organic gardening and maintenance on your new Texas home: “like” Apache Moving & Storage on Facebook.

10 Cheap Ways to Pack for Your Move

cheap packing tipsWhen most people think of moving, they think of endless boxes and hours spent loading books, DVDs, and kitchen spices. Yes, packing is a big part of moving, and it can be one of the most stressful steps. But you can minimize the stress and inconvenience by following these tips for the cheapest ways to pack for moving:

Cheap Moving and Packing Tips

  1. Make sure you have good, solid packing supplies. This means sturdy boxes, enough boxes (grab them wherever and whenever you can – it is better to have more than not enough), ample packing tape, markers, labels or paper for writing down what is in each box, and some kind of cushioning material for fragile items. Find the balance between going cheap (cheap markers are fine; cheap packing tape will irritate you and can break when you least anticipate it).
  2. Tape up all electrical cords, and wiring or cable cords together with the units they belong to. This will save both time and money later on so you don’t have to be searching all over or heading out to a store to buy replacements. It’s common to end up with a pile of remotes and electrical cords, with none of them seeming to match anything.
  3. Find out how to move those appliances safely without spilling liquid from the fridge or freezer, scratching or putting a dent into your items or finding out they were damaged along the way and no longer work when you arrive. While you can pay for this service, with a little research and work, you can save your money and do it yourself.
  4. When packing dishes, glassware, mirrors, pictures and frames, be sure to wrap them all with towels, sheets, newspapers and anything else that can be either pressed firmly in the box without room to slide around. Bubble wrap is easy, but not necessary; use what you have on-hand.
  5. Leave clothes and items in dressers, bureaus or cabinets unless they are breakable. Merely tape up the doors and drawers and move as one piece. This will allow you to fit more into a smaller truck and you will not need to pay for a bigger size, or make that extra trip when moving with your own van.
  6. Make sure you call the cable and utilities companies with ample time and cancel your services for the old place. If you are transferring any services over to the new place, make sure the appointments are set for when you will be there for installation. This will help you avoid paying for services in two places at the same time.
  7. Don’t pack boxes too heavy. Boxes should not weigh more than 50 pounds; some movers will charge extra for heavier items. Make sure to label them well so anyone reading them can make a quick judgment about what the weight may be and decide to choose something easier to handle.
  8. Ask for help where you can. If you have friends and family, bribe them with food and/or alcohol, and have a running list of tasks they can tackle in an hour or two. It’s much easier to talk someone into coming over for an evening to pack your books, rather than coming over for the weekend to pack up the whole house.
  9. If you are paying for movers, make sure everything is packed and ready to go so you can keep your costs down to the minimal. Store all boxes on top of each other in a room close to the door they will be going out. Let them know beforehand of stairs, narrow walkways, or long distances from curb to door, as these may all affect your price.
  10. Do as much as you can yourself. Even just packing a box or two every night for a few weeks will put a huge dent in the amount that you’ll have to pay someone else to handle for you.

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5 Mistakes to Avoid When Moving

mistakes to avoid when movingWe’ve all heard the moving horror stories. The moving van that headed to Abilene, Texas while the new house was in Austin. The rented apartment that suddenly isn’t available, despite deposits and signed lease agreements. Movers who took off with the valuables and left someone else’s boxes in their place. Not everyone will have a perfect moving experience, but fortunately the true horror stories are few and far between. And most of the more serious problems can be avoided with a little bit of research and planning. Here are five moving mistakes you want to avoid:

Mistake #1: Thinking you can swing the move yourself

Ah, big mistake. Even a move across town can be very complicated, and takes extensive advance planning. There are a huge number of potential pitfalls, from the wear and tear on your poor body and damage to your household goods, to unexpected fuel costs. In the end, a do-it-yourself move may not be as “cheap” or as fun as you thought (that would be about the time you drop the TV on your foot or discover the truck is fully loaded but a third of your house is still on the sidewalk). Give yourself plenty of time to research how you want to move and discover everything that’s involved. Talk to friends who’ve moved themselves and to movers to get the full picture before you decide.

Mistake #2: You forget Fido has to move too

With all of the other things you’re worrying about, it’s easy to forget that the family pet needs to move too — and that’s one thing you can’t have the movers throw in a box! Visit your vet before moving day to make sure your pet has current shots, tags, certificates, and proper identification. If your pet will be traveling by air or in a car a long distance, ask about travel recommendations, portable kennels, and motion sickness medication. Make sure you carry the animal’s papers with you, especially if you cross state lines. When you get to your final destination, reinstate your dog’s routine and reward him with a special treat.

Mistake #3: You forget plants have special needs

Obviously, the inside of a van isn’t conducive to plant life. Lots of movers won’t handle plants, especially if you’re moving more than 150 miles or crossing state lines. If plant moving gets put on your to-do list, first check with the USDA to make sure there aren’t rules about bringing plants by car into your destination state (those that have big citrus crops, for instance, may be picky about incoming plant and potential insect life). A few weeks before the move, transplant plants from your breakable pots (the movers can pack and transport those) into lighter-weight unbreakable ones that will be easier to for you to move. If it turns out you can’t move your plants, donate them to friends, a botany class, or local retirement home.

Mistake #4: Forgetting to pack an overnight bag

Even if your move should not last more than a day, you will want to make sure you have an overnight bag with an extra set of clothes and some toiletries on hand for when you get to your new place. Chances are you will be tired and just want to rest when you arrive, instead of unpacking 32 boxes in search of your contact lens solution and pajamas. Having something ready to use will mean you will not have to scramble around the boxes and try to dig out what you need when you can barely stand up anymore.

Mistake #5: You didn’t clean house

Face it, there are tons of things in your home that you haven’t used in years. But you’ll be paying to pack them up and move them, and then you’ll be faced with unpacking them and finding a place where you can store them, unused, for another 10 years. Bad idea! Instead, plan a reuse, recycle, regift weekend where everyone in the family gets rid of the things you really don’t need or use. Donate items to charity, hold a garage sale, or give furniture to the kid next door who is getting his own apartment. It’ll save you time and trouble in the long run — and will prevent extra charges when your moving men stumble upon Grandma’s old dining room set hidden in the back of the garage!

Find out what moving services are provided by Apache Moving & Storage so you can avoid making these mistakes.

3 Ways To Stretch Your Moving Budget

moving on a budget1. Plan ahead. It’s a simple fact of life: The more rushed you are, the more you will have to pay. If you have the luxury of planning out your move, you can choose the time of year and even day of week that you will move – avoid the dog days of summer or the rainy, cold season. At Apache Moving & Storage, we keep our prices the same year-round for your convenience!

Planning will also keep you from making costly mistakes, such as forgetting to find a sitter for your pet or giving 30 days’ notice on your gym membership to avoid paying for an additional month. These small fees and expenses add up — and most can be avoided with proper notice.

2. Negotiate or barter. Just because your new landlord quotes you $100 for an extra parking space doesn’t mean you have to pay $100. Always, always, ALWAYS ask for a better deal. You won’t lose anything by asking, and you could just score a lower price. The same goes for the furniture store, landscaper, and your new gym.

Think about bartering for services, too. If you have skills in a certain profession, such as graphic design or carpentry, maybe you can swap your talents for other services in your neighborhood. Swap personal training services for a haircut. Whatever your skills and talents, someone else wants them!

3. Look for discounts. Many communities welcome newcomers with open arms — and plenty of discounts. Check in with the post office, your real estate or rental agent, the city’s newcomers club, or the Chamber of Commerce for a welcome packet. A typical haul might include coupons to local restaurants, a discount at the housewares store, and more. Ask for discounts when approaching membership-type organizations such as gyms and kids’ after-school programs. They may be dying for members and be willing to cut you a deal.

The key here is to ask. Ask to barter, ask for a discount, ask for a better price. You won’t always get one, but it’ll work enough to make it worth the effort.

Want to see more tips for moving on a budget and getting settled into your new home? Follow Apache Moving & Storage on Twitter.

Important Moving Questions to Ask Moving Companies

professional-movers

How do I find a reputable mover?

Ask family and friends. The Internet is also a good resource as you can get a lot of information on the company through their website. Be sure to check out their reputation at the Better Business Bureau (BBB). Some questions to ask before you hire:

  • Full company name and any DBA names (doing business as)
  • How long they have been in the moving business
  • DOT and MC license numbers
  • Company address
  • Phone numbers (local and toll-free)
  • Company web site address
  • Email addresses
  • References (be sure to call them)

If something does not feel right, move on, no pun intended!

How far in advance should I hire movers?

It is best to plan a move 5-6 months ahead of time, especially if it is an international or overseas move. If you have less time, you can still find good movers but will have to move quickly. It is important to note that whether you have 2 or 6 months, be sure to do some research on the movers you hire.

Should I get extra insurance while moving?

One of the most upsetting experiences in moving is having an item get broken or end up lost. Extra insurance may be a good idea especially if you have expensive or irreplaceable items. Regular insurance provided by most moving companies pay pennies per the pound. Unless your contract reads otherwise, this means that any items lost or broken will be paid per the pound and not based on their actual value.

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Apache Moving & Storage proudly serves the Austin area with three convenient locations: Austin, Round Rock, and Leander. Our Austin location is centrally situated to cater to the bustling heart of the city, while our Round Rock and Leander locations extend our exceptional services to the surrounding communities. To schedule your move or inquire further, contact us at 512-280-3388 or visit our website for more details. We are dedicated to providing outstanding customer service and value your feedback, so be sure to check out our reviews online to see why our clients trust us with their moving needs. To make your move seamless and stress-free, we offer free walkthroughs to assess your moving needs and provide an accurate estimate. If you’re planning a move, remember the important questions to ask moving companies to ensure a smooth and hassle-free experience. Our experienced and professional team is ready to answer all your queries and provide personalized moving solutions tailored to your unique requirements. Whether you are moving locally or long-distance, we have the expertise and resources to handle every aspect of your move with care and efficiency. Trust Apache Moving & Storage for all your relocation needs, and experience the difference of working with a top-rated moving company. Don’t forget to visit our packing materials page for high-quality supplies that ensure the safety and security of your belongings during transit.

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When to Hire Professional Movers

hiring professional moversThe two main things to consider when deciding whether to move your own items or to hire movers will be 1) your budget and 2) your physical ability to move the items yourself. Another consideration is how much time you have to pack and load your items.

Using a professional moving company is something to be considered. If funds are available, and time is a factor, then deciding to use professional moving services can be wise. Contact Apache Moving & Storage for a free quote.

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Preparing Your New Home

preparing your new homeBefore moving any of your belongings into your new home, it’s important to make sure that everything is as it should be.  You may have had a list of repairs you expected – or this may be the first time you’ve seen the house empty.  Take some time to go around with a notepad and check all of the sockets for obvious signs of wear and tear and look for damage that you might be otherwise liable for. Here are some tips for moving into your first house.

Ensure that any cupboards are empty, free of damp, mold or bad smells, and keep a close note of what where the electricity, water and gas stopcocks are.  While doing this, you’ll also be getting a feel for where you can place any furniture, how to get it up any stairs or even just into the house.  Note down any damage or concerns to discuss later with the appropriate person – it;s important to have these notes before moving anything in so that you can get the problems remedied as soon as possible.

If you’re renting from a landlord, he or she will give you a list of any fittings, fixtures and furniture being left behind – it’s very common these days for landlords to leave kitchen appliances such as the fridge, freezer, washing machine and stove.  If you’re renting, your landlord should also give you contact details, emergency repair numbers and any paperwork pertaining to these emergency repairs that you may need.

You should also ensure that the central heating and furnace are working correctly and collect any manuals for these from the previous occupant – these manuals will save you a lot of frustration in the long run.

Part of preparing for your move into a new home also includes finding the right mover, and that will depend on your needs. Read more about our moving services throughout Texas.

Pest Control Tips Before Moving Into Your New Home

home-pest-insect-controlWhen a pest is driving you up the wall, what can you do? Keep reading to learn how to get rid of your problems once and for all, especially when it comes to bugs and insects in your new home.

Make sure that you do not have any candy lying around the area of your home. Candy is made of sugar, which can attract a wide assortment of bugs. Therefore, the best thing that you can do is eat in the kitchen and make sure that candy does not get into other areas of the house.

If you are seeing a large number of bugs indoors, slowly circle the perimeter of your house. Try to find any small openings where bugs could get in. Look closely near your chimney and the siding. If you locate a hole, buy silicone caulk and get the area fixed to the best of your ability.

Ask your exterminator what the risks of using their pesticides are. Everything comes with some level of risk, and some chemicals can be very dangerous for children or pets. If your exterminator is unsure you should find out before you let them proceed. It is definitely better to be safe than sorry.

Do not assume that pests are completely gone just because you have not seen any. If your exterminator wants to come back for a follow-up, you should follow their advice. There is a good chance that there is still a small population in your home that could have come from eggs, so listen to the professional and stick to the follow-up appointment.

Read the label of any pesticide prior to using. This is especially important if you have babies or pets! Different pesticides and treatments cause different issues in human beings. There are some that are extremely harmful to pets. Know what it is you are putting in your home prior to its use.

Remember that as much as your houseplants might bring life to your home, some of that life might be pests. If you suspect that they are infested with aphids, spray your houseplants regularly with a solution of soap and water. That should be enough to manage the pest problem without exposing your plants and home to insecticides.

Once you have it all under control, you’ll be able to relax and enjoy life again.

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Austin, Texas Moving Checklist & Timeline

Money Saving Moving Checklist

Moving seems relatively simple. You pack your stuff from House A and get it to House B, where it’s unpacked and your life goes on.

Unfortunately, it rarely goes as smoothly as all that! What about Fluffy? Are you going to carry him with you on the plane, or send him separately? And your utilities — when will those be turned off and turned on again? Oh, and your car! Will you sell and buy on the other end, or ship it, or drive it yourself? And if you decide to ship it, where are you going to stay when you arrive a week before the moving van with all your possessions?

Moving is, in actuality, one of the largest projects you may ever undertake. There are numerous moving pieces and unknowns that can throw a wrench into the works, laying your careful plans to waste. But you can minimize the unknowns by planning ahead. And the tools to help you are checklists, budgets, and timelines.

Money Saving Austin Moving Checklist

Moving Checklists. Create extensive lists of what needs to be done around the old house, as well as what you’d like to do in your new locale. Do you need to paint at either end? Will you redo floors, install carpeting, or buy a new washer or dryer? What furniture is going with you, what are you hoping to sell, and what will you donate — and will it all fit in the home on the other end? Have you requested doctors’ and school records to be transferred? There are so many little chores and pieces of information to keep track of. Don’t rely on your memory; write it all down in a notebook or in an online organizer, and keep it with you. Breaking things into monthly and then weekly, and ultimately daily checklists as your move nears will help you stay on top of it all.

Moving Budgets. Moving is expensive. But making and keeping a budget will keep a cap on the outflow of cash. Keep track of what you’ve allotted for the move itself, as well as what you anticipate you’ll need to spend to get up and running in the new home. Even if you’re only moving a few blocks, you may have to pay for meals out while you’re waiting for your kitchen to be unpacked, replacements for items you didn’t want to pack, like condiments, toiletries, and the like. Make sure to set aside at least a few hundred dollars for the unanticipated — pizza for the friends who help you pack, a gallon of paint to touch up the walls that look a little dingy, cleaning supplies for the new place, deposits for utilities… the lists go on!

Timelines. Timelines can be a big issue to for moving. When you rent a truck, the hours start from when you pick it up to when you drive it back through the gates. So though you think six hours may be plenty of time to get it all done, but all it takes is for your movers to be an hour late and everything can be thrown out of whack which could cost you a lot more money for late fees. You also may face some gaps as mentioned above; if your new home isn’t ready to occupy and your worldly possessions arrive too early or a week late, what are you going to do? Careful planning can keep these gaps to a minimum.

Remember that even the best-laid plans can be disrupted, and keep your flexibility in your hip pocket. Things can, and will, go wrong. But by having a plan to fall back on, you’ll be able to recover quickly.

One more thing…don’t forget to hire professional movers. Contact Apache Moving & Storage for a free quote.