7 Tips to Make the Right Choices on Homeowners Insurance

If you own a home, it’s important to have it insured. You simply can’t take a chance with what is probably the biggest investment that you’ll ever make. Natural and man-made disasters could strike and destroy your dream home at any time and there’s nothing that you can do to stop them.

The best thing about having your home insured is that it’s protected against financial losses in the event of fire, natural and man-made disasters, and other perils. It ensures that you get back your investment so you can rebuild. Home insurance gives you the peace and security that every hardworking homeowner deserves.

Here are some tips that you need to know about insuring your home including choosing the right insurer and obtaining the proper coverage:

  • You are a statistic.

You’re a set of risks to an insurer. An insurer will base their premium on risk factors like your job, your properties, how you live, etc.

  • Determine the value of your property.

Before choosing a policy, it’s important to determine your home’s replacement cost. To get an accurate estimate, seek the help of a builder in your local area.

  • Insurers vary so do your shopping.

Like anything else you plan buying, the same product could be differently priced by different companies, but you could save more if you do your research online. Get several quotes from different companies and compare them so you get the best coverage that’s within your budget.

  • Don’t just go for the cheapest price.

An affordable insurance won’t help if an insurer takes forever if and whenever you make a claim. Therefore, you should do your research and check the insurer’s record for claims service and financial stability.

  • Know about the different discounts.

Many people waste a lot of money because they just don’t ask for discounts. So ask for them! Most insurers give out discounts to reward behavior that reduces risks.

  • Your insurer may not necessarily be your friend at claims time.

Your own idea of a fair compensation may not go with that of the insurance company. Their job is to financially restore you as a homeowner while yours is to verify your losses and get the amount that you deserve.

  • Do some preparations before filing a claim.

Always make sure that your policy is updated. Reread it many times before filing a claim so there would be no surprises.

You can obtain home insurance policies from non-life insurance companies. Deal only with legitimate insurers and remember to get quotations from several companies and give them the same amount of information about your home so you could accurately compare them.

Choose wisely what’s suitable for you. Though cost is a big factor in choosing, it must not be the sole basis. Insure your home with a company that you can trust.

The 2014 Oscars red carpet fashion (Photos)

This year’s winners included newcomer Lupita Nyong’o who won for “Best Supporting Actress” for her role in the movie “12 Years a Slave” and actor Jared Leto for Best Supporting Actor for his role as a transgender man in “The Dallas Buyers Club”.

One of the highlights of the night was when Twitter’s website went down because of too much traffic on the site due to Oscar’s host Ellen DeGeneres’s “selfie” . Ellen twitted a live “selfie” with some of the Hollywood stars at the show and the picture was retweeted more than 1 million times breaking Twitter’s record which was set by President Barack Obama after his re-election.

Another highlight of the night was when Ellen order pizza and gave it to the audience who happily accepted including Harrison Ford and Brad Pitt.

But let’s face it, we watch the Oscars because of the red carpet fashion. Hollywood stars look their best as they hope to win the coveted award.

Take a look at pictures of some of our favorite picks of the night in the slideshow and tell us which one is your favorite.

Hand Wash Only?

Nothing is more annoying than getting a stain on that favorite silk blouse or cashmere sweater — except looking at the tag and finding the three words everyone dreads: “Hand wash only.” Don’t give up on your garment just because of a few words; try some tips and tricks that make hand-washing a breeze.

Things Aren’t Always What They Seem

Before pulling that detergent out, consider that it may not be time to wash just yet. Though hand-wash-only clothing tends to be more delicate, it can typically stand up to three to four wears before it’s time to clean it, according to Athelia Woolley, co-owner and head designer of Shabby Apple, an online dress boutique. “Hand-wash-only fabrics are almost always made of natural fibers, like 100-percent silk or cashmere or wool, and those fabrics don’t get soiled easily,” she says.

Also, depending on the type of fabric, hand-washing may not be your only option. Many clothes that carry a hand-wash-only tag may actually be machine-washable, according to experts including Woolley and Krystal Savanella, fashion designer and owner of Krystal Savanella Designs House of Couture, a high-end clothing label based in Ventura, California. They say the labeling typically serves to protect the clothing manufacturer from liability in case something goes wrong in the washing machine.

“The majority of the time a manufacturer suggests ‘hand wash only’ due to beading or another type of embellishment or a fiber or fiber blend that is delicate and might shrink or change properties, such as a fuzzy sweater,” explains Savanella.

So, when is the right time to hand wash your garments? Take it on a case-by-case basis. When it comes to sweaters, antique clothing or clothing with embellished features, like jewelry, sequins or other beading, stick to hand-washing only.

For natural fibers like silk, wool or cashmere, the rules can vary, depending on with whom you talk. Some say they can handle the machine, in a cold wash on the gentle cycle, but Savanella advises leaving those fabrics to the professionals. “I have the rule never to wash silk or wool [in water],” she says, “even if it says hand-washing is OK. Dry clean only.”

Mistakes to Avoid

Sometimes hand-washing can be a frustrating process, especially when you don’t get the results you want. Leslie Reichert, cleaning expert and author of “The Joy of Green Cleaning,” shares some common mistakes to avoid.

First, never use hot water; go with water at cool, cold or lukewarm temperatures. Make sure the sink is clean, or dedicate a special tub to hand-washing. And always add the soap to the water before placing the clothing in, not afterward.

If there’s a stain on your piece, pretreat it the old-fashioned way before you hand wash it. “Back in the day, they used an old-fashioned soap and a small brush,” Reichert explains. “Depending on the fabric, rub the soap into the spot and, if the fabric can take it, brush it in on both sides of the spot.”

If the piece is really dirty, let it soak overnight in cold water before hand-washing it. Once it’s time to wash, fill up the sink about three-fourths full and follow the directions that came with the detergent. Or alter the instructions to suit your needs. “I use like three-fourths of the amount that the instructions recommend,” says Woolley.

Reichert advises that when washing more than one item, never mix colors. Just as with machine-washing, the colors can bleed into each other. Rinse the garment as many times as it takes to remove all the soap, but never wring a piece of clothing. Gently squeeze or pat it to remove suds. Place especially delicate items on a screen and then soak the screen in the water to rinse.

Finishing Touches

If commercially popular detergents are too harsh on your garment, try a very gentle dish soap or laundry soap, Reichert suggests. “Originally, soap was made with animal fat, but now there’s olive oil- and vegetable-based soaps out there,” she says. “I use soap flakes.” This type of soap can be hard to find, but green cleaning stores and websites carry it.

Drying your hand-washed clothing properly can be just as crucial as the cleaning process. Reichert says always lay the clothing flat to dry, either on a clean white towel or a raised mesh or netted drying rack that allows the garment to lay flat. Never hang sweaters, but instead use what Reichart calls a “blocking” technique in which you lay the sweater on a clean towel and roll it up to get rid of excess water, then lay it flat to dry. This keeps the sweater from becoming misshapen.

Once the item is mostly dry, you can even toss it in the dryer, but set it to tumble dry only, Salvanella says. Again, do not use this technique with antique or embellished clothing or knitwear if you want to maintain its original shape and style.