Windermere Pullman Moscow

Your Guide to Real Estate On The Palouse!
Homeowner’s Insurance Information Primer 150 150 Paul

Homeowner’s Insurance Information Primer


WindermereAs a new home owner, you must buy a homeowner’s insurance policy. Getting the right policy is not always easy. Continue reading to learn tips that are sure to help.

Don’t just think about buying insurance for your home; go ahead and do it! If you have zero insurance for your home, you will be out in the cold if a natural disaster or other home issues strike. If there is a mortgage on the home you live in, the loan you took out may require you to have homeowner’s insurance.

Make sure that you fully understand your insurance policy. In many cases, though not all, your policy will cover the costs of living elsewhere if your home is so damaged that you have to relocate. Keep careful track of every single receipt for every expense to be fully reimbursed.

Lots of people are concerned with maintaining low policy costs. One thing you can do is raise your deductible. Your premiums will be reduced if you increase your deductible. All it takes is the initial cash for covering any small claims occurring after the transition. The overall savings are positive and recommended.

Your valuable items such as jewelry, electronics and computers are difficult to claim against unless you have documentation such as photographs. This will help to give you the best possible value for your items in the event of an accident.Windermere


When you purchase a house, give some thought to flood insurance. Flood insurance is not always included in a homeowner’s policy, and recent events make it clear that floods do happen in unexpected places. Flooding can be devastating; however, by purchasing a flood insurance policy, you can ensure that your home and belongings are protected.

If you’re 55, ask your insurance carrier to review your policy. There are discounts available for seniors, even those who are aren’t yet 65. Find a company that does if yours does not.

One way to score discounts on your homeowner’s policy premiums is by installing a home security system. These systems can be inexpensive to install and give you piece of mind both while you are at home and while you are away at work, or even when you go out of town on vacation.

Putting in fire alarms can cut your insurance premium by about 10 percent. Insurance companies often offer great discounts to home owners who’ve installed these important devices. Some insurance companies provide an increasing discount based on number of fire alarms.

One way to save money on insurance premiums is to pay off your home’s mortgage. A person who owns their home without a mortgage is viewed by insurance companies as being more likely to properly care for their home. Therefore, you may get great deals on your premiums. Call your insurance provider as soon as you are done paying your mortgage off.

Purchasing a new home is a huge investment that requires long-term protection. You must make sure to get the right homeowner’s insurance policy that covers your needs. Use the tips shared here and you can get the policy that’s right for you.

These Tips Can Make Your Organic Garden Thrive 150 150 Paul

These Tips Can Make Your Organic Garden Thrive


WindermereIf you have an inkling as to what to do, gardening can be pretty simple and easy. The proper information can make anyone a great gardener. This article will introduce you to gardening tips that can help you become a master gardener.

If you want to cover up your walls or fences, make sure that you specifically use climbing plants. These climbing plants will help beautify an old fence, and they are fast workers too. They also work to cover up old, and possibly dead, vegetation. Some must be tied onto a support, but a number of climbers attach to surfaces with twining stems or tendrils. Reliable varieties include wisteria, honeysuckle, climbing roses, clematis, and jasmine.

Consider adding coffee grounds to your soil if it contains high levels of alkaline. Coffee grounds are an affordable means of adding acid to the soil so that it is pH-balanced. This can help your veggies and greens look more vibrant and taste better!

If many of the plants in your garden grow close to the ground, some gardening knee pads will prevent pain and knee injuries. Weeding, watering and picking through your vegetation can cause a lot of damage to your knees if left unprotected. A pair of good gardening knee pads can cushion your knees for more comfort.

Using boiling water to kill weeds is both efficient and organic. A pot of boiling hot water can be one of the most safe weed destroyers. Although this method is organic, it does pose a danger to your plants. Boiling water is not good for the weed roots and will stunt further growth.

Many people think the best green gardens start from seeds, rather than plants. When planting a garden, the best way is to initially start with seeds. Packaging materials for many plants utilize plastics that are not recyclable, so avoid these containers and choose instead to sow your garden with seeds or utilize organic pots.

It can be tough to keep insects and other plant-ruining crawlies from infesting your garden. Don’t spray harsh chemicals since they will spoil your veggies. Remain alert in order to control garden pests. If you catch them early, you can take them off the plants by hand.

In the hottest time of the day, most vegetables are less firm; even the act of harvesting the veggies may cause bruising. Cut them with a tool rather than pulling or twisting, otherwise you could damage the plant itself.

Asprin will actually help your plants out by killing diseases. One and half tablets of aspirin in a couple gallons of water will be a wonderful help to the plants you have. Simply spray your plants with the mixture, and this will help them fend off various diseases. Give your plants a spray of the aspirin-water mixture about one time every three weeks.

Make sure you protect your knees well while you are gardening. It’s difficult for most people to bend while standing, especially at the waist. Kneeling is much easier on your body, and helps you tend to your plants without hurting your back. You can use knee pads to kneel without the pain.

Do not be in a rush when you plant your seeds. To begin with, you need to dampen the soil sufficiently. Next, you should evenly distribute the seeds ensuring that each one has enough room to grow. Bury them 3 times as deep in relation to the seed’s size. Some seeds you do not want to bury because they require light in order to grow.

Once you know about gardening and how to do the basics, the actual process of gardening is really quite simple. By following our tips, you will have all the information you need to create a beautiful showplace of a garden.

Things To Consider When Choosing Home Insurance 150 150 Paul

Things To Consider When Choosing Home Insurance


WindermereFinding the homeowner’s insurance that you need can be hard if you don’t fully understand this type of insurance. These tips will point you in the right direction and help you find the best policy for you.

A lot of renters do not think about buying renter’s insurance. While a home’s structure might be covered under the landlord’s fire insurance, the contents inside will not be. If you want your belongings to be covered, you must purchase your own policy.

There are two ways to decrease the cost of your home insurance. The first step is to have a quality security system installed. That will cut the premium you pay by about five percent. Keep in mind that the insurer will want proof that your security system is operational, and they may request a bill or a service contract. Install new smoke alarms in your home. Smoke alarms can reduce insurance premiums by 10 percent.

Tell your insurer about security systems you have in place. You’ll find that your premiums are reduced according to how good your system is.

It’s important to know if your insurance allows for living expenses elsewhere. A lot of times, your insurance will pay for you to stay in a hotel temporarily, but not always. Make sure that you keep all of your receipts, because this is your proof to give the insurance company so they will cover the claim.

Make your insurance claim hassle free by backing up your inventory list with photographic evidence. This may seem like a lot of work, but only if your insurance company knows exactly what’s been lost, damaged, stolen, or destroyed, will you be able to demonstrate what the fair replacement value of those items would be.Windermere


Flood insurance should not be overlooked when you purchase a house. Traditional homeowner’s insurance policies don’t always cover floods, and you never know what can happen, even in the least expected places. It would be a tragedy to lose your home in a flood and not be covered.

If you share a home with roommates, refer to your coverage terms to determine your rights to recovery following damage or disaster. Your policy may only include your personal items. Let your roommates know what is covered and give them the option to help you purchase a better policy.

Make sure you are always thinking about safety so that you can lower your homeowner’s insurance cost. A reduction in premiums starts with alarms and extinguishers. Make sure you invest in safety features as they can save your life, and be sure to keep them updated.

Simply installing a fire alarm may decrease your payment by 10% per year. Insurance companies often offer great discounts to homeowners who’ve installed these important devices. Plus, some companies will even offer a steeper discount if you’ve got multiple alarms set up.

Getting a good homeowner’s insurance policy can give you peace of mind. You will find what is right for you by using the above advice. Follow these easy tips to find the plan that is perfect for you.

The Comprehensive Guide To Finding The Right Home Owner’s Insurance Policy 150 150 Paul

The Comprehensive Guide To Finding The Right Home Owner’s Insurance Policy


WindermereYou don’t know when disaster will strike your home. It may happen tonight when you are sleeping, or it might wait until you are away on vacation. Look at it from any angle – having homeowner’s insurance is important. Make sure you read over the policy before purchasing.

Paying your mortgage off is the best way to reduce your homeowners insurance costs. People who have their own home are more likely to care for it properly. Paying off mortgage debt decreases your annual premiums.

There are two major things that you can ensure are done to help lower your insurance costs. First, install a security system. This can reduce your premium by up to 5%. However, remember to contact your agency and provide proof of the new installation before expecting to see a change. The second thing is to put smoke detectors around your home. You could save up to 10% every year.

Make sure that you fully understand your insurance policy. If your house is damaged to the point that you cannot live there while it is being fixed, it’s good to know if your insurance company will pay for you to live somewhere else during that time. Keep careful track of every single receipt for every expense to be fully reimbursed.Windermere


Some features of your dwelling will cause your insurance to increase. For example, a swimming pool will increase your premiums, due to the increase in liability. How far or close your home is located to fire stations and fire hydrants can significantly impact your insurance rates, too. That doesn’t mean you have to choose a house based on insurance costs, but you need to know that the cost is related to these factors.

If you’re worried about flooding and you don’t live inside a designated flood area, you can research the cost of adding this kind of protection to your homeowner’s insurance coverage. About a quarter of all disaster flood claims are from places that are not in traditional high-risk areas. If your home is located in a low flood risk area, you may be able to get a big discount on home flood insurance.

If you’re about to turn 55, this is a great time to shop for a new homeowner’s policy, or at least ask your current insurance carrier for a policy review. Home owner’s insurance often offer senior citizen discounts. In the event your insurance company does not provide you a discount, you should research other companies.

An alarm system is a fantastic way to lower your premiums for homeowner’s insurance. These systems are often inexpensive to install, but can give you peace of mind whether you are home alone or away on vacation.

A security system can help save you much money concerning your insurance costs. Not only does this give you some peace, but you should pay less for your policy. The more protected your home is, the lower your premium will be. The monies you save on premiums will soon cover the cost of your security system.

The tips are important because you never want to just take the insurance company’s words for it. Many insurance providers will try to up-sell you for coverage that you do not necessarily need. Create a policy that suits you by using these tips.

Simple Ways To Improve Your Home 150 150 Paul

Simple Ways To Improve Your Home

Simple Ways To Improve Your Home

The way your home looks can change the way you feel. Some people spend even more time at home if they work there. If this is your situation, it makes it even more important that you are happy with your home. If your home looks the way you want it too, you will be a happier person. You can use the following ideas to make your home the way you really want it to look.

There should be no huge imperfections in your home, like broken windows or visible signs of water damage. If you repair the things that are wrong, this can make your at-home experience even better. Implementing a room theme helps to complement your design.


TIP! Improve your home and lower your water bill by changing out your toilet with a more efficient model. Many companies have reduced the amount of gallons it takes to flush and they even feature options, such as flushing only liquids or solids, so you can control how much water is used, depending on what is in the toilet.

Sometimes, you feel the walls closing in, and moving your furniture around doesn’t work. If you are suffering from a lack of space, the cure is a home expansion. Even adding a minimal amount onto your home can make a huge difference. Opening up more space in your home can help boost your mood and decrease your overall stress levels.

Your home should be a happy, enjoyable place to live. Features like hot tubs, swimming pools and saunas all add value to your home and make your home more appealing to spend time in. If you are not able or willing to spend substantial amounts on leisure-enhancing additions, a simple basketball hoop at the edge of a paved drive or a space dedicated to your workout can increase you and your family’s enjoyment at home.


TIP! Are there small holes and imperfections on your walls from hanging things? Use spackle. You can find spackle at any home improvement shop.

The quality and placement of lighting can improve the overall feel of a room. By illuminating the corners in the room you can help create a more effective workplace and reduce strain on your eyes. Choosing new lamps or light bulbs with different watt totals can add a new look to your home. You can easily change your home’s lighting yourself, or you can hire a professional to do this task.

Make some organic improvements to your outdoor space. Making a section of your outdoor space into a lovely garden can motivate you to spend more time at home. If gardening isn’t your thing, you can hire someone to help you. Gardens are beneficial in a number of ways, such as improving air quality and people’s moods. You can grow your own fresh vegetables or flowers if you know how to do it.


TIP! Change your shower curtain once a month. Showering produces excessive humidity in a bathroom that in turn causes shower curtains to develop mold and mildew.

You can make simple changes to the exterior of your home, such as painting it or adding a new roof. If you like the outside of your home, you will feel happier walking into it.

A home that you are happy with is important since you spend so much time inside. Home improvements area great investments, not only financially, but emotionally as well.

Simple Steps To Get Your Landscaping Project Off The Ground 150 150 Paul

Simple Steps To Get Your Landscaping Project Off The Ground

Is your yard not quite as beautiful as you would like? Perhaps you use other expletives when you speak of your yard? When you invite neighbors to your backyard for a party, do they say no? You do not have to accept living with an ugly yard. One option is to take this article to heart, and use the advice to make some much needed changes to your landscaping that might attract the attention of your visitors and guests.

A great landscaping tip that everyone should use is to make a list of all the materials you will be needing prior to starting on your project. It is terrible to start a project, only to realize that you don’t have an essential tool required to do the job.

A drip style irrigation system is a great addition for your yard. Not only are they easy to install, they provide reliable service. It is also much more sustainable as it uses a lower amount of water.

When selecting plants for your landscaping, ensure that the needs of each plant are properly addressed. You want to avoid things like putting plants that need lots of sunlight in a shady area. Also, you should not put a tree in an area where it cannot grow. Take the time to consider the needs of your plants and plant them in a place that they’ll thrive.

Landscaping is more than just planting flowers, grasses and trees. Landscape design also includes water features, decorative elements and walkways. To increase beauty in your yard, as well as visual interested, put in archways, birdbaths, decks and pergolas. Know your budget beforehand, and you will still likely be surprised by the options available to you.

Add a variety of plants in your landscaping plans. This is beneficial in protecting your yard just in case a disease or insect invades. If you only use a few kinds of plants, just one bad incident can leave your yard devastated. When you landscape, you want to make sure you have diversity; it’s crucial for plant health.

Despite beliefs to the contrary, it is not always necessary to hire a professional landscaper for your project, no matter how large or small it may be. Hiring a professional can lead to paying out a serious amount of money before all is said and done. But, you may want to consult with a professional who can offer some useful advice.

Prior to going to the nursery to purchase the plants for your landscaping project, take some good measurements of the area to be renovated. This will allow you to know exactly how much of any item you need. This helps you to not waste money on gas and time by buying too much and having to return it.

Stop thinking that you should try and spend less on every item. Remember that if you want good, quality supplies, a little extra money spent may help your project to look good and last much longer. If you are just starting out in landscaping, a store which specializes in it can give you good helpful advice and guide you to creating something much better.

Now that you have the information needed to start your landscaping project, you are only moments away from creating a wonderful yard that will be the envy of your neighborhood. The most difficult part of this project might just be persuading your friends that you did it all by yourself, as the tips outlined here will make your yard appear as if it was taken care of by a landscaping professional. Landscaping is a valuable skill for any homeowner to add to their improvement arsenal.

Save More Money With These Landscaping Tips 150 150 Paul

Save More Money With These Landscaping Tips

Landscaping places everything in specific spots to make your yard look much better. It should also be able to be functional and give space to the owner of the home. Although this may seem like a daunting task, this article will give you tips and suggestions for making your landscape meet your needs.

Using native plants from your area can help to avoid problems in the future. These are easier to tend to since they are already used to your climate. Thus, they are a great choice for anyone who is unwilling or unable to spend a lot of time on maintenance. Go to your local gardening store to learn more about native plants in your specific area.

Invest in a watering system which is a drip style for your yard. These irrigation systems can be easily installed and they could give your plants continuous streams of water. This is also a better way to efficiently water your plants effectively.

Try to use several types of plants when landscaping. This is key to protecting the yard from disease or bacteria. If you were to plant all the same flowers, trees or shrubs, then they may all be vulnerable to an attack. When you landscape, you want to make sure you have diversity; it’s crucial for plant health.

Despite what most people think, it is not absolutely necessary for you to hire a landscaper to take care of your projects. This just ends up costing you lots and lots of money. However, if you do plan to landscape on your own, it is beneficial to talk to a pro first to make sure you’re not going down the wrong path with your ideas.

Don’t focus on spending as little money as possible. If you always choose the cheapest material, you may not get the quality that you want. If you need help or advice, you may want to spend a little extra and choose a specialty shop where you can ask questions and get guarantees.

Large shade trees can make it hard to plant flowers beneath them. Rather then putting in flowers, think about putting in a ground cover. Ground cover requires minimal care, adding some beauty that is easy to maintain. Sweet woodruff and hosta are ideal ground covers.

Try using curved borders around what you plant when you’re landscaping the yard. These rounded borders are more visually appealing than straight ones. Remember that when someone looks at your entire property, curved planting borders can offer a good contrast to the right angles visible in areas such as your house and your driveway.

If you are doing a landscaping project alone, make sure to stop and estimate costs first. Jot down all of the supplies that will be required. Next, figure out where you can get all of the materials. Prices can greatly differ from region to region. Determine how you can best find good materials at less expensive prices.

When planning your landscape, remember to add mulch to all the flowerbeds. Since mulch helps retain moisture, you should use it if you are landscaping a particularly hot area of the country. The moisture that is locked in the mulch will provide your plants with water when they need it.

If you’re landscaping on a tight budget, keep in mind that you don’t need to do the entire project at one time. It is actually smart to break down your project into segments at times. This makes it easy for you to improve your lawn without breaking the bank. Make plans for each step and select which can be tackled first.

Being sure to address each need, whether it’s useful function or attractive appearance is an important part of successful landscaping. You want to budget wisely yet give your yard a beautiful look. The tips in this article will help you to do all this and more. Try these tips; you will be more than happy with the end result!

Real Estate Market Update: June 150 150 Paul

Real Estate Market Update: June



WindermereThe real estate market has been super hot this past month! Moscow and Pullman both had about equal amounts of movement in their consecutive markets. Our offices often get asked questions about the status of our local real estate market, and we have decided to do updates! If you have additional questions about buying or selling your home please call us! We have agents on standby ready to serve our community! Now back to the report!

The Moscow real estate market has been cooking this month! We are up a few percentage points from last year, and the pricing continue to rise! Moscow Realtors sold over 50 houses this month, almost 10% more than June last year. The average home price also inclined a few points to 227k. A surprising change this year is a fairly large portion of building lots getting moved! With so much job creation in Moscow, home builders are looking to the future by building new apartments and homes. The rental market didn’t have much movement, with only a few rental units sold. Compared to last year, the Moscow real estate market has show steady growth lending to the regions overall prosperity. Great time to buy, if you ask us!Windermere


Pullman’s real estate market has also kept up the growth pace since last year, selling just over 50 homes. The average home price is hovering around 230k, a small increase from last year (our local real estate markets are great for investing. Home prices typically raise 2% every year on the dot). There wasn’t much movement in lot or rent purchase. With the new hiring at SEL, we will start seeing a huge surge of new construction to prepare more living spaces! Be prepared for the average Pullman home price to start jumping above 2% to almost 4 or 5%. The rental market is already extremely tight, and housing will rapidly become a premium. If you have been holding off with a new home purchase now is the time! Home prices are on the rise and it isn’t going to stop in the near future! Our realtors are primed and ready to find you the perfect home! Give us a call today and we will help you navigate our fast-moving real estate market!

Real Estate Market Update: July 150 150 Paul

Real Estate Market Update: July

We have had another hot month for real estate sales here on the Palouse! July is always a good month for real estate, and this year wasn’t any different! Moscow has kept up with their typical volume trend for the month with 49 houses sold. The University of Idaho helps keep housing sales steady through the summer and we won’t see any drop off until after september. As the season progresses, there is a natural decline in average price of homes sold. Moscow dropped about 30k, to 197.5k. This downward pricing trend should stay consistent as we move into the later part of the year (traditionally slower season for real estate). The average Moscow home price should stay the same, but we will start to see a decline in the number of homes sold.

Pullman had a somewhat “leisurely” home sales month, with only 28 units being sold. This is a drop from last year and isn’t typical for a normal Palouse Summer! The average home price did take a jump up to 290k, a bit higher then expected. As our local companies continue to grow, we can assume the home price will rise at least at the steady 3% growth rate. If you are looking to buy soon, we are coming into prime buyer season! Be ready!Windermere


Land sales on the Palouse tend to be very steady. 16 new lots were sold (averaging about 50k) as new homeowners take to the land to build their dream homes! We have seen a very steady lot availability in recent months and that doesn’t look to change soon! If you’re looking to build, we will have open lot inventory available for months.

That completes our Windermere Pullman Moscow Real Estate Market Update for July!

See you next month!

Raise Your Standard Of Living With Home Improvement 150 150 Paul

Raise Your Standard Of Living With Home Improvement

Raise Your Standard Of Living With Home Improvement

It is a well known fact that everything about your home has the potential to alter your emotions every day. Most of your time is at your home. If you make an effort to like your house, you will enjoy life more. The following piece includes several valuable tips for turning your home into an oasis for the soul.


TIP! When you have to redo your roof, use white tile or any other light colored material. This choice will ensure your attic doesn’t absorb excess heat as the light colors reflect the rays of the sun.

Your home should not have any glaring flaws, like a cracked window or water stains in the ceiling. By fixing the cosmetic flaws in your house, you will be creating a haven that makes you feel even more secure and comfortable within it. The next step may be choosing furniture that will be more comfortable. Another may be moving shelves so you are able to reach them better. You may also want to add a table as the centerpiece of a room.

Even with making the most of your space, you may still feel the need to add on to your house. If you stay organized, you will feel much better about your home.


TIP! When removing cabinets as part of a kitchen remodel, make sure you don’t just unscrew and yank them off the wall. You will more than likely end up taking some or all of the drywall off with you.

Sometimes it doesn’t take much effort to add some recreational features. Although it might be true that pools and spas are great things to have on your house, facilities, such as workout rooms, are highly desired. Of course, the increase in the property value is also a great incentive for adding these features to your home.

Looking for ways to improve the appearance and functionality of your lighting arrangement can greatly enhance the quality of your living environment. A great way to update the feel and look of your home is to change out your existing lights with more modern lighting fixtures. You can handle this fast and simple fix yourself.


TIP! After some initial use, your kitchen cabinets can start to lose their luster. You can shine up kitchen cabinetry by using car wax.

By growing your own garden, you create a place where you can relax and read a book. You can use the services of a gardener and still see the benefits that a garden provides. There are many benefits to having your own garden, including access to fresh herbs and vegetables, as well as decreasing your stress level.

With a few simple changes, you can increase the curb appeal of your home in a big way. A fresh coat of paint, a new roof, and new windows can make your home look like it was built yesterday, while saving you money.

We spend a huge amount of time in our homes. So, you should do whatever you can to improve your home, as this can help you to invest in your future and improve your quality of life.