What Is Marz Sleep Spray ?

Sleep Spray is our special proprietary formula that is designed to help you achieve a perfect, healthy night of sleep without any pesky side effects. There’s no better way to keep your mind alert, and your energy level high than deep, restorative sleep.

Because it’s liquid, it’s fast acting and easy to take. Sleep Spray combines safe doses of sleep aids with the rapid absorption and convenience of an oral spray. It can help you fall asleep quickly and stay asleep through the night.

Why a Spray?

People love Sleep Spray because it’s so easy to use. There’s no pills, no powders, no hassle – and it tastes great too!

An Effective Solution

Simply spray it into your mouth or into your night time water or tea. Then get ready for a full night of peaceful sleep and to wake up refreshed and ready to go!

Portable and Convenient

The small bottle is easy to store at home, or pack if traveling (TSA-Size Compliant). Imagine no more restless nights when away from home.

How to Use Sleep Spray

Our easy-to-use-liquid spray is designed to be taken orally. You can spray directly into your mouth, or if you’d prefer, you can also spray it directly into a glass of water before bedtime!

The way you use it is up to you, rest easy knowing healthy sleep is just a few sprays away!



As part of your bedtime ritual spray up to 7 sprays right into your mouth, or into a cup of tea.








Ease into a peaceful slumber. You will notice that you are able to fall asleep quickly, and will be able to sleep soundly through the night.








After a few nights of peaceful sleep, you will be amazed at how wonderful you feel.






Offset Accent Pieces with Lighting Scenes—a Bright Idea for Home Decor: smart lighting,

About the guest author: Erin Vaughan is a blogger, gardener, and aspiring homeowner. She resides in Austin, TX where she writes full time for Modernize, with the goal of empowering homeowners with the expert guidance and educational tools they need to take on big home projects with confidence. 

There’s a lot more to lighting than your standard-issue overhead lights and lamps. When used thoughtfully, lighting can highlight artwork and sculptural pieces, direct attention to an accent wall or interesting feature in your home, or add drama to your landscaping and hallways. And now, with smart lighting, it’s easy to program multiple settings for a single room—so you can switch between low light and back light with a single tap.

A Brief Overview of Home Lighting Techniques
Unless you have a background in interior design, you probably rely on your intuition to guide you in your lighting decisions for your home. If it seems dark in one part of a room, you put a lamp there, and so forth. But well-structured lighting designs actually balance three different elements: ambient light, including natural daylighting and overhead lights; task lighting, which refers to concentrated light sources like table lamps; and accent lights, which function mostly as decoration, directing the eye to certain features.
Accent lights span the gamut from spotlights, picture lights, and wall sconces to strip lights and backlighting meant to illuminate a wider surface area. A couple of general rules for accenting with lights? Use picture lights and overhead spotlights to light artwork or other framed pieces hung on the wall. Backlighting, on the other hand, works better when you want to call attention to a larger area—furniture, accent walls, and so forth. Uplighting adds drama to a pathway and visual interest to outdoor features like trees and bushes.
LED Strip Lights are the Smart Home’s Best Friend
Whether it’s around a bathroom mirror or below the kitchen counter, backlighting outlines the showiest parts of your home. LED strip lighting is one way to get the look—plus, smart LEDs are much more energy efficient than standard incandescents. You can even use automated strip lights, which allow you to program them to a timer or switch between cool and warm light temperatures.
Strip lighting in unexpected tints adds a spacey, futuristic appearance to your decor, while whites and yellows have a more classic appearance. Whatever you do, though, don’t go any lower than 2,700K when selecting your color hue if you’re lighting around works of art.
Automated Dimmers: Lighting Controls on a Dime
Accent lights draw your eye to a specific part of the room, which is great if you’re just showing people around. However, in multifunctional spaces, all that illumination can seriously cramp your style (think: living rooms and dens, where all that lighting can easily put you in TV purgatory).
Meanwhile, color temperature and intensity can also affect your sleep cycle. There’s evidence that exposure to bright blue or white light keeps you alert, while soft yellowish light preps you for sleep in the evening. Smart dimmers on the walls allow you to control the brightness of any light in the room—with keypads, multiple lights at once—and some even have adjustable color temperature dials to keep in tune with natural circadian rhythms. In this way, you can program lighting controls for different “scenes” throughout your day: one for when you give guests a tour, one for dinner conversation, and one for movies on the couch. Automated controls open up a wide range of decorative lighting options to explore—since there’s no need for manual switches, lighting a portrait or a kitchen backsplash just became that much easier to manage. So let there be light—just make sure to make them smart!


In just a few minutes, you can design your dream garden on your home computer.


Plan-a-Garden lets you create garden design plans for anything from a patio-side container garden to your whole yard. Use your mouse to “drag-and-drop” more than 150 trees, shrubs, and flowers. Add dozens of structures like buildings, sheds, fences, decks—even a pond for a unique garden design plan. Let us help you build your dream garden!

Pick Your Scene

front yard garden design with pathwayThe app fits every home situation. Toggle through to find a number of different sceneries, including entryways, front porches, back patios, and even  backyard ponds. There are also a number of different housing types too, ranging from urban, rural, and everything in between. Not seeing what you are looking for? You can even upload your own photo to play with.

Plants Galore

walkway and bridge with lush plantsWith over 900 plants to choose from, the landscaping possibilities in our Plan-a-Garden app are practically endless. Choose from trees, shrubs, perennials and more for your landscape, including the size you are looking for, and even the lighting of your area. You can even narrow your search down in the search bar.

Beautiful Structures

gazebo and bridge with landscapingFor some, a landscape is not complete without hardscaping elements. In the Structures tab of the Plan-a-Garden app, add in fences, ceramic pots, gazebos, and even basketball hoops to give your yard a practical spruce-up.

Brilliant Textures

natural garden pathway with plantsA beautiful landscape is nothing without a little texture. Choose from red brick patios, meadow sceneries, gravel walkways, and bright blue-water ponds for an extravagent upgrade. These textured elements are as easy as drawing on with a click of your mouse.

This Favorite Bedding Brand Just Launched a Baby Line

This Favorite Bedding Brand Just Launched a Baby Line

You’ve decorated your crib, now it’s time to accessorize theirs.

Three years ago, Parachute was born as a bedding brand, and now its family is growing to include a gender-neutral baby collection that celebrates the brand’s core colorways and themes that make for a perfect night’s sleep.

From darling crib sheets with prints featuring mini moons and stars to quilts in hues including blush, fog, and white, the line is a must for mix and matching so you can customize your baby’s room however you’d like.

The collection is made up of seven pieces that are non-toxic and Oeko-Tex certified, meaning that the products are chemical-free so both the earth and your baby are safe and sound. As if things couldn’t get better, everything meets REACH requirements, which stands for “registration, evaluation, authorization, and restriction of chemicals.” Basically, it’s a protocol by the European Union that ensures that manufacturers are held responsible to identify chemicals in their products.

And if you thought the brand’s mission to save the environment stopped there, there’s more. When the package arrives at your doorstep, it’s placed inside a reusable bag made of the same luxe materials as your linens, so you can use it as an upgraded laundry bag or whatever else your heart desires. All the bedding and bath products are crafted with Egyptian and Turkish cotton fibers in family-owned factories in Europe, so you’re getting the highest quality products backed by generations of trusted methods.

Currently, the Venice Beach based company has two storefronts, a hotel, and is sold online. So no matter where you live, the linens of your dreams are within reach.

10 Ways to Add Colorful Vintage Style to Your Kitchen



1. Buttery Walls

The soft creamy hue (Canyon Cloud by Behr), combined with the natural wood stain (Pecan by Minwax) on the windows, trim, and beams, creates a warm backdrop for the room’s bold accents.

2. Red Barstools

Jolie’s barstool mix—a pair of swiveling tractor seats plus a vintage vinyl-covered number—are characteristic of her signature farmhouse-meets-retro look.

3. Salvaged Island

Retrofitted with electrical outlets and reconfigured drawers, this 9-foot-long piece, originally a counter in a New Jersey general store, multitasks as a prep surface, breakfast bar, and homework station.

4. Turquoise Cabinets

To give them a slightly weathered look, Jolie first coated the cabinets with blue interior oil stain (Aquarius by Sherwin-Williams), then used a rag to apply and partially rub off a layer of Provincial Wood Finish stain by Minwax. “Embrace color,” says Jolie. “Just because kitchens are utilitarian rooms doesn’t mean they should be quiet, sterile, or boring.”

5. Handmade Toolbox

This rustic caddy emblazoned with the name Larry Slifer, now stores plates instead of Larry Slifer’s tools, and it’s one of Jolie’s favorite scores from the Round Top antiques fair. “I love that it has a story. Someday I’m going to meet someone who knew Larry Slifer!” she says.

6. Stainless Countertops

Inspired by the industrial kitchens in her parents’ chain of pizza restaurants, Jolie chose the stain-proof surface for its durability and versatility. “It’s not fancy, and it goes with everything,” she says.

7. Open Storage

On the cabinets flanking the vent hood, Jolie left the doors off for a casual look and convenient access to staple ingredients, spices, and dry goods stored in apothecary jars.

8. “Restaurant” Sign

To preserve its red color, Jolie coated the 20-foot-long vintage sign, salvaged from a Mexican restaurant in San Antonio, with clear polyurethane.

9. Pantry Upgrade


To give the functional space a farmhouse look, Jolie’s husband, Todd, built two panels inspired by barn doors then stained them black (Ebony by Minwax). Over the pantry, a salvaged stained-glass window bring in light from the entryway. Flat Track Hardware Set: from $300; barndoorhardware.com

10. Mason Jar Cluster Chandelier

Over the sink, Jolie strung up a pendant light using quart-size Mason jars, threaded wire, and Edison bulbs. For a similar look, try the Mason Jar Cluster Chandelier, $275; shadesoflight.com.


This Is How to Use Pink in Your Home Without Going Too Saccharine

Mary McGee: My client loves clear and pretty colors, and pink is her absolute favorite. In the living room, I made it feel rich and sophisticated by using deep shades of raspberry, then I introduced graphic black-and-white patterns and art, like the Richard Serra charcoal drawing over a sofa. The combination makes the room feel edgy and modern as opposed to sweet or feminine.

And yet the house’s architecture is anything but edgy.

My clients love design, but family comes first — they have four kids, and they wanted a big, happy home that would feel grounded in history. We renovated this house in Wellesley, Massachusetts, in the Georgian style and gave it classical moldings and proportions.

And then you offset that with the interior’s vibrant design.

When you have these really serious rooms, it’s nice to bring in things that are a little more fun, to introduce a chic, hip vibe. For instance, the living room’s Plexiglas table feels young and fresh, and the transparency helps to balance out all the color in the room.


Throughout the house, you use decor as a counterweight to the architecture.

Yes. The dining room felt less stuffy once we brought in those bamboo armchairs, Warhol artworks, and vintage Lucite candlesticks. And even the antiques are a mixture of styles and periods, starting with the English table, which the clients received as a wedding gift. I surrounded it with chairs modeled on an 18th-century French design I really liked, and I had them covered in jazzy coral fabrics. I’ve found that if you use all English furniture, a room can feel too heavy, while entirely French pieces can get a little too precious. I always mix it up.


What is the best strategy to complement such clear, strong colors?

The client wanted the whole house to feel light, so I used a crisp white to make the colors stand out, but with a touch of cream for warmth. In the breakfast nook, I chose white linen curtains and white-painted chairs and trim to brighten the dark wood table and floors.

You also employed white to create contrast between the rooms.

Yes — in the entry hall, I kept the palette neutral because right off of this space is a raspberry living room and a yellow- and-coral dining room! I also used black accents in the entry, which are echoed in the adjacent rooms — a zebra rug in the hall, for example, and chic striped-silk stools in the living room.


And then you introduced natural textures, which make all of the fabric pat- terns in the house really pop.

The legendary decorator Billy Baldwin, who inspired me, used to do that all the time in the high-end glamorous spaces he designed. Mixing silks with raffia adds uniqueness and character to a room, and the raffia slipper chairs in the living room are a custom design that I had made at my furniture studio in Los Angeles. They’re one of my favorite things: dainty and so elegant. The raffia also helps to show off the pink-and-black fabric on the seat cushions, which I had designed by artisans in Ghana as part of my new ethical fabric collection, Mary McGee X Africa.

They’re gorgeous! Tell me more about this wonderful project.

It goes back to my college years in the Georgetown neighborhood of Washington, D.C., when I interned at VSA [Very Special Arts], a nonprofit started by Jean Kennedy Smith that employs the arts to promote the inclusion of people with disabilities. I have always wanted to use design to do something positive in the world, and four years ago I began working with artisans in places like Kenya, Ghana and Zambia. I sought out people who are in vulnerable situations — some are impoverished, and one group consists of refugee women who were victims of war crimes. So far, we’ve hired roughly 100 artisans and helped them to become more independent and self-sufficient. Best of all, the fabrics are luxurious and just exquisite. It’s a win-win.

8 Basic Gardening Tools Every Newbie Needs

8 Basic Gardening Tools Every Newbie Needs

Get your green thumb ready with these picks.


If you’re just starting a garden, you’ll want to have a few necessities on hand to make the process easier. We asked the experts to share their favorite essentials. Even if you’re a veteran, this handy guide is a quick refresher.




Photo by incrementaltools.com

“The most important tools in the garden are your hands, which is why you need to protect them with a good pair of gloves,” says Johnston. “I like for my gloves to be fitted so that I can really feel the plants that I am working with. Second skin garden gloves are the absolute best—they are comfortable and dry quickly.”

Moisture Meter


Photo by amazon.com

If you’re using pots or other containers, this handy tool will measure how dry the soil is. “No more wondering if the plant looks like it needs to be watered—now you’ll know for sure,” says Gutierrez.

What Every Home Owner Needs to Know About Home Owners’ Insurance Rates


Home owners’ insurance is necessary coverage for every home. But this necessary coverage can also be unnecessarily expensive if you’re not careful. Insurance rates can be influenced by a wide variety of factors, including your credit score, the local fire station, even the pool or trampoline in your back yard. And you could be paying too much for your home owners’ insurance if you have factors that raise your insurance rates.

In this resource, you’ll learn everything you need to know about home owners’ insurance rates. You’ll find out how much most home owners pay for their insurance, common claims and how much they usually cost insurers, and how often home owners submit claims. But more importantly, you can learn what insurers look at when determining your insurance rates, including factors that can raise your rates. Plus, you’ll find tips for what you can do to reduce the cost of your home owners’ insurance rates.

Home Owners’ Insurance By the Numbers

Home owners’ insurance is a $70 billion dollar premium industry in the United States. Nearly every American home has a home owners’ insurance policy and most home owners will pay about $1,000 per year for insurance coverage. Want to know more? Check out these statistics on home owners’ insurance.

  • Almost every home in America is insured. 95 percent of homes in the United States are insured. Mortgage companies typically require that home owners maintain a quality home insurance policy for the life of the loan. (Enhance Insurance)
  • On average, Americans pay $1,096 in annual home owners’ insurance premiums. (Insurance Information Institute)
  • Florida home owners pay the highest home owner’s insurance premiums at an annual rate of $2,115. In fact, most of the Gulf Coast region pays higher home owners’ insurance premiums than the rest of the country. Texas home owners pay an average of $1,837 (ranked second), Louisiana home owners pay an average of $1,822 (ranked third), and Mississippi home owners pay an average of $1,395 (ranked fifth). (Insurance Information Institute)
  • Home owners in northern states and the Midwest tend to pay less for home owners’ insurance. Idaho home owners pay the lowest at $561, Oregon home owners pay an average of $568, and Utah home owners pay an average of $609. (Insurance Information Institute)
  • Home owners that live in an area with significant storms will pay more for home insurance. Areas with significant storm activity pay about 2 percent more on average for home owners’ insurance. (Peachstate Insurance)
  • Home owners’ insurance rates typically go up each year. In recent years, they have increased by five percent or more. In 2012, rates increased 5.6 percent, while they went up 6 percent in 2013. (Insurance Information Institute)
  • Even as rates go up, home owners may not be paying enough. 64 percent of homes are under insured. (Enhance Insurance)
  • Most home owners do not file a claim on home owners’ insurance in any given year. In 2014, only 5.3 percent of insured homes had a claim. (Insurance Information Institute)
  • Property damage is the most common type of claim, accounting for 97.3 percent of home owners’ insurance claims in 2014. This figure includes theft. (Insurance Information Institute)
  • Fire, lightning, and debris removal is the most severe claim, averaging $39,791 per claim. Bodily injury and property damage is the next most severe at $20,453 per claim. Wind and hail, water damage and freezing, and all other property damage are typically well under $10,000. (Insurance Information Institute)
  • Wind and hail claims are the most often submitted claims with a frequency of 3.13. Water damage and freezing have a frequency of 1.86, and all other property damage has a frequency of .99. (Insurance Information Institute)
  • About 2.1 million burglaries occur in the United States each year and 74.5 percent of them are residential. Burglaries typically have an average property loss of $2,230. (Ameriprise Financial)
  • About one in 15 insured homes has a claim each year. (Insurance Information Institute)
  • Lighting strikes are not as rare as you might think. About one in 265 homes has a property damage claim related to fire and lightning each year. (Insurance Information Institute)
  • State Farm, Allstate, and Liberty Mutual are the top three writers of home owners’ insurance by direct premiums written. Combined, these three insurance companies make up more than 35 percent of the market share. (Insurance Information Institute)
  • Poisoning is by far the leading cause of unintentional injury death at home, making up 51.4 percent of claims. Falls (29.4 percent) and flames or smoke (3.5 percent) are the next highest. (Insurance Information Institute)
  • Hail storm damage can reach up to $1 billion annually, though a particularly damaging Kansas City hail storm in 2001 caused $2 billion in damage. Home owners who live in locations where hail storms and tornadoes are prevalent pay more for their home owners’ insurance coverage. In face, in Colorado, about half of home owners’ insurance premiums go to coverage against hail and tornadoes. (Insurance QnA
  • Most fire related home owners’ insurance claims start in the kitchen. Each year, an average of 154,7000 homes are damaged by fires using cooking equipment, adding up to $724 million in damages each year. (Insurance QnA
  • Water leaks in homes account for about 23 percent of all property losses suffered by home owners. Leaks and water damage are primarily caused by freezing pipes and plumbing failures. Up to 93 percent of damage caused by leaks could be avoided with a system in place to detect leaks. (Insurance QnA

How Insurers Determine How Much You Should Pay for Home Owners’ Insurance

When determining your rate for home owners’ insurance, insurance companies look at a number of different factors that can indicate the potential for loss, cost to remedy losses, and more. These include:

  • The size of your home, specifically square footage, as well as any additional structures such as a garage
  • Home construction, materials, and home features including roof type
  • Age of the home including the age of home systems including plumbing, HVAC, and electrical
  • Number of people living in the home
  • Location of the home factoring in the likelihood of damage due to a disaster such as hurricane, tornado, hail, wind, or wildfire
  • Neighborhood crime rates
  • Coverage level
  • Replacement cost including local building cost
  • Fire protection
  • Pets

Factors That Can Increase Your Home Owners’ Insurance Rates

While basic factors look at pretty broad information, there are other factors that may seem insignificant, but can dramatically increase your home owners’ insurance rates. And while something like the breed of your dog or the trampoline in your backyard may not seem like a factor that can make you pay more for home owners’ insurance, the fact is that they can and they will.

Filing a Claim

It hardly sounds fair that you could be asked to pay more for your insurance simply for using it, but that’s the reality of home owners’ insurance. Insurers know that policy holders who have made a claim in the past are likely to make another claim in the future.

A history of frequent insurance claims — whether on your home owners’ insurance, auto, or other insurance coverage — can raise your home owners’ insurance premiums significantly. You may be subject to an increase or even a non renewal or cancellation of your policy if your insurer determines that you represent too much of a risk.

This shouldn’t scare you off from filing an insurance claim if you truly need it. Dealing with $20,000 in hail damage is tough to swallow and you shouldn’t fear making a claim for major losses, especially if you rarely file claims at all and you’re an otherwise upstanding policy holder. But think twice about making multiple claims, especially small ones, within the same year or even few years. Insurers typically raise rates in policy holders with a history of frequent insurance claims, not those who infrequently make claims when it’s really worth it.

Calling About a Claim

Home owners may not be surprised to find out that filing a claim can raise insurance rates. But even if you simply call and decide not to file a claim, your rates could go up.

Consider this situation: your home is damaged and you’re not sure whether it’s covered on your policy. You call your insurance company to find out, but decide not to file a claim because your coverage is lower than your deductible. You may consider the matter closed, but your insurance company does not.

The query is likely to be recorded with details of the damage, even if you make no claim. The damage will likely be reported to your Comprehensive Loss Underwriting Exchange (CLUE) report, which is similar to a credit report for insurance. Queries typically stay on your CLUE report for seven years.

While a single phone call should not cause a problem for your insurance rates and ability to obtain insurance, more than a few can be troublesome. If insurers see a number of queries on damages, you could face a higher premium at renewal or even a non renewal of your policy.

Owning an Expensive Home

It should be no surprise that owning an expensive home will cost you more when it comes to home owners’ insurance rates. Everything costs more in an expensive home — and that means insurers will have to pay more to repair or replace your home than they would a more modestly priced home. The more expensive a home is, the more it will cost to insure.

Your Credit Score

In most states, insurance companies are allowed to use your credit history when determining rates for home owners’ insurance. Your credit score reflects your responsibility and how well you pay your bills. Insurance companies know there is a strong connection between people who responsibly pay their bills and those who make a claim. Typically, home owners with a good credit score are less likely to make a claim, while a policy holder who is behind on bills may be more likely to file a claim. Home owners with bad credit scores may pay rates that are double that of home owners with good credit scores, so this factor can be significant.

The Age of Your Home and Materials

As your home gets older, particularly your roof, materials can become more susceptible to damage and deterioration. Newer homes tend are often easier to repair and less subject to damage. And new homes have newer systems, such as plumbing that’s less likely to break down and cause water damage. They may also be built to higher construction standards than older ones. Older homes may be more costly to repair not just because they’re more susceptible to damage, but because they may need to be repaired with materials that can be difficult to find. Insurers know that this may make replacement costs go up, so your home owners’ insurance premiums will rise as well.

Home Remodeling

Improving your home adds to the value of your home. And when the value of your home increases, so does the cost to replace it. Home owners’ insurance companies will take into account that after a major renovation project, it will be more expensive to rebuild your home to its current state in case of a loss. This can lead to an increase in your home owner’s insurance premium — but your home won’t be under insured.

Recreational Equipment

Owning a pool, tree house, or trampoline is fun, but these pieces of recreational equipment can also be dangerous. You may be held liable if anyone is injured or dies while using the equipment on your property — and it doesn’t matter if you gave them permission or not. Simply owning this equipment can make your home owners’ insurance premiums increase.

Home Based Businesses

Typically home owners’ insurance coverage is limited to personal property with very limited coverage for business equipment. If you work from home or have a business based out of your home, you may need additional coverage. And if you have customers come to your home to conduct business, you could have liability and property loss risks not covered by your home owners’ policy. This may require you to add an endorsement or separate business policy for your home.

Ownership of a Potentially Aggressive Dog

In the first half of 2012, one out of three home owners’ insurance liability claims was for a dog bite. Due to rising medical costs related to the treatment of dog bites, the cost of this claim continues to rise. Insurance providers may hesitate to provide home owners’ insurance coverage, or raise rates, for home owners with dogs including wolf hybrids, huskies, malamutes, German shepherds, chows, rottweilers, and pit bulls. However, some states prohibit insurance companies from denying coverage based on the breed of pets.

Living Too Far from a Fire Station

Insurers want to know that if there’s a fire in your home, the fire department can get there quickly to put it out before your home burns down and becomes a total loss. If you live more than five miles from a fire station, you may be subject to higher home owners’ insurance rates. Insurers also want to know how well your local fire department can handle emergencies, so they’ll look into whether you have a professional or volunteer department as well as fire district ratings when determining your home owners’ insurance rate.

Owning a Vacation Home

Vacation homes are typically more expensive to insure. It hardly seems fair, but insurance companies know that if you’re not spending a lot of time in your home, you’re less likely to be able to spot problems before they become serious issues that would warrant a claim. Burglars are more likely to hit a mostly unoccupied vacation home, and water leaks may go unnoticed for weeks or months. If you’re renting your home out with a service like AirBnB, don’t plan on renting it out for more than 90 days a year. Once you cross that threshold, your vacation home is considered a business and you may not be covered for claims on the property under your personal home owners’ insurance policy.

Neighborhood Crime

If you live in a high crime area, or your neighborhood has been recently targeted by burglars, your insurance company will probably be justifiably nervous about potential burglaries in your home. Property damage claims related to theft are one of the most common home owners’ insurance claims, and if you show an increased risk of this claim, your rates will be increased accordingly.

Lapses in Policy

If you don’t renew your insurance coverage and let your policy lapse, insurers could see that as a sign of risk and subsequently charge you more for your home owners’ insurance premiums. It’s a good idea to pay your premiums on time and keep your insurance coverage current.

How to Reduce Your Home Owners’ Insurance Rates

While some factors that raise your home owners’ insurance rates are beyond your control, like burglaries in your neighborhood, or the age of your home, there are some factors where you can make smart changes to save on your rates. If you’re looking for ways to reduce your home owners’ insurance premiums, try out these tips.

  • Maintain a good credit rating: Insurance companies typically use credit information when determining rates for home owners’ insurance. If you have a poor credit rating, you could end up paying more for your home owners’ insurance. Protect your credit by paying bills on time, only using the credit you need, and keeping balances low. It’s a good idea to regularly check your credit report to identify problems and report any inaccuracies that may be taken into account with insurers.
  • Don’t file small claims: Home owners’ insurance is for major incidents, not wear and tear. If your deductible is $500, don’t bother filing a claim or even calling about $750 in property damage. It’s just not worth the potential increase in rates. Save your claims for when you really need them, like a hail storm that takes out your brand new roof.
  • Make your home as fire proof as possible: Add a fire sprinkler and fire alarm to your home and be sure to keep a fire extinguisher handy. It also helps if you live near a fire station, and it’s best if the fire service is professional rather than volunteer staffed.
  • Install disaster resistance measures: Installing storm shutters, retrofitting your home for an earthquake, or buying stronger roofing materials can better prepare your home to stand up against serious disasters. Some insurance companies will lower your premiums if you make these improvements to your home and lower their risk.
  • Get a home security system: Burglaries and fires make up a significant portion of claims home insurance companies have to pay out every year, so if you take steps to mitigate losses from fire or burglary, you may be rewarded with a significant discount. Using a burglar alarm, smoke detector, or dead bolt locks can result in a discount of up to 20 percent on your home owners’ insurance premiums. Additional discounts may be available for homes with an alarm that is connected to police, fire, or other monitoring stations.
  • Ask about special discounts: Home owners’ insurance companies may have discounts available that you’re not aware of, such as special rates for retirees of employees of certain companies.
  • Update your home’s systems: Older homes are often charged more for home owners’ insurance because their systems are more likely to break down and cause a problem, such as a roof that is significantly damaged during a hail storm, or old pipes that burst and flood your home with water. If you update systems including your air conditioning, plumbing, electrical, and roof, be sure to tell your insurance company, as you may get a break on your home owners’ insurance rates.
  • Get a security inspection: Many insurers will offer you a discount if you work with your local police department or constable to make security improvements to your home. An officer can come out to your home, inspect it, and make recommendations for improving your security. You can then make those changes and get another inspection and submit the report to your insurer for a discount.
  • Carry a higher deductible: Home owners’ insurance is really just for significant losses, even disasters. That means you probably shouldn’t go through your insurance company to handle a $500 window fix, for example. But a major leak that causes $10,000 or more in damage is worth a claim. If you’re able to raise your deductible to $1,000 or higher, you will typically save on your monthly home owners’ insurance premium. And you’ll also be less tempted to file small claims that could put you at risk of a higher premium in the future — or even non renewal of your policy.
  • Stay current on premiums: Pay your premiums on time and maintain continuous coverage, avoiding lapses in coverage, to indicate to insurers that you’re a responsible home owner.
  • Shop around annually: When it’s time to renew your policy, consider your coverage, property value, and current situation. It’s a good idea to make sure you have the right amount of coverage. And by shopping around and asking for quotes from multiple insurance companies, you could save significantly on your premiums. Be sure to compare apples to apples, looking at the same coverage and deductible levels. And don’t forget to ask about multi policy discounts and other ways they can help you lower your premiums for home owners’ insurance.
  • Investigate prior losses before you buy a home: If you’re in the process of purchasing a home, you should know that claims made before you buy the home can influence your rates. A home with multiple claims within a few years may be labeled as risky regardless of who is living in it. And if there are unresolved issues, you could be stuck paying higher rates. When buying a home, ask for a copy of the home’s loss history report with disclosure statements to get a record of the claims filed within the past five years.
  • Talk directly to an agent: It’s convenient to apply for coverage online, but an insurance agent can really help you get the best deal. Speak with a licensed insurance agent to discuss your needs. They can help you get the right amount of protection and even identify discounts that you might not have been aware of otherwise. You can also talk to them about potential scenarios you want to investigate, like how much you might save if you update aging home systems like a roof that’s more than 15 years old.
  • Take advantage of multi policy discounts: While it’s a good idea to shop around for the best rate on your home owners’ insurance policy, keep in mind that it can pay to combine your auto and home insurance, even life insurance. Most companies will take up to 15 percent off of your premium for buying two or more policies from them. Of course, you should make sure that the combined price of your policies including discounts will be lower than getting each coverage from separate companies.
  • Maintain your policy: Insurance companies love loyal customers and often reward long term policy holders with a reduction in your premiums. Loyalty discounts typically kick in around three years and may increase after six years or more.
  • Complete a home inventory: While a home inventory may not help you save on home owners’ insurance premiums, it can help you to more accurately recover losses. Only about 50 percent of home owners have prepared an inventory of their possessions to document losses. Your home inventory should include a list of your belongings along with video or photo evidence. Record model or serial numbers, keep receipts for purchases of value, and remember to record upgrades to your home as well.

Update From:http://www.choicehomewarranty.com/blog/every-home-owner-needs-know-home-owners-insurance-rates/

10 of the Most Popular Tiny Houses of the Year Let’s just say, you really like mini porches.


Even though small homes are all the rage, they’re not for everyone. After all, it takes some serious creativity and design skills to make a couple of hundred square feet feel like the Taj Mahal. But these top 10 mini abodes piqued your interest this year and we’ll go so bold as to say we bet they even made you consider going tiny.

1This Aboriginal carving-covered home.

tiny house


The Esk’et Tiny House is located in Canada and, even though it’s only 280 square feet, it includes a luxe fireplace to help keep the homeowners warm during harsh winters.

2 This festive green cottage.

tiny house


In the Blue Ridge Mountains of North Carolina is this whimsical cottage (courtesy of Sit With Me In My Garden!) which transforms into Santa’s workshop during winter, thanks to peppermint balls and candy canes galore.

3 This Hampton’s artist retreat.

tiny house


Nestled in Sag Harbor is this small, 600-square-foot cottage, which is the ultimate artist escape for writing, painting and anything else your creative mind might enjoy.


4This tiny home with a giant kitchen.


If you need proof that you can live big in a small space, here it is: The blogger behind My Empty Nest hosted Thanksgiving dinner in her Sherwood, Oregon, house last year.

5 This cheery little cottage.


It’s amazing how much happiness this 260-square-foot home fits into its mini frame — from the wraparound porch to the yellow and red palette to the Northern California coastline location.

6 This real-life snow globe.


If you want to witness winter’s wonders, but stay cozy and warm, look no further than this 160-square-foot home known as the Escape Vista.


7 This home that boasts a front porch.


Dough Schroeder of Timbercraft Tiny Homes in Guntersville, Alabama, built this 150-square-foot house in a way that totally maximizes what little space it offers, including space for you and a guest at night.

8 This high-end designer’s abode.


This sleek home designed by New Frontier Tiny Homes features all of the latest design trends, including a farmhouse sink, shiplap and subway tile in just about 200-square-feet.

9 This emerald beauty.


Tiny Heirloom makes mini homes that are all about the details, starting with this Granny Smith apple-colored door and ending with an interior that can be custom-made depending on your lifestyle.


10This guest-friendly abode.

Update From:http://www.housebeautiful.com/design-inspiration/house-tours/news/g4073/most-popular-tiny-houses-2016/