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<channel>
	<title>Chester County Real Estate Guide &#187; Home Owners</title>
	<atom:link href="http://chestercountyrealestateguide.com/chester_county/home-owners/feed/" rel="self" type="application/rss+xml" />
	<link>http://chestercountyrealestateguide.com</link>
	<description>A blog about Chester County, with a focus on real estate</description>
	<lastBuildDate>Tue, 07 Sep 2010 16:49:15 +0000</lastBuildDate>
	<language>en</language>
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		<title>Utility Room Appliances Safety and Facts</title>
		<link>http://chestercountyrealestateguide.com/home-owners/utility-room-appliances-safety-and-facts/</link>
		<comments>http://chestercountyrealestateguide.com/home-owners/utility-room-appliances-safety-and-facts/#comments</comments>
		<pubDate>Thu, 15 Jul 2010 11:34:19 +0000</pubDate>
		<dc:creator>Chris LaGarde</dc:creator>
				<category><![CDATA[Home Owners]]></category>
		<category><![CDATA[Appliances]]></category>
		<category><![CDATA[Dryer]]></category>
		<category><![CDATA[Safety]]></category>
		<category><![CDATA[Washer]]></category>

		<guid isPermaLink="false">http://chestercountyrealestateguide.com/?p=1154</guid>
		<description><![CDATA[Q: How do I check if my utility room appliances are working properly and are safe? The washing machine and clothes dryer often leave the house with the seller. However, certain safety checks in the utility room can still be made regardless. A qualified home inspector will first check if the clothes dryer’s appliance hose [...]]]></description>
			<content:encoded><![CDATA[<h2><strong><em>Q: How do I check if my utility room appliances are working     properly and are safe?</em></strong></h2>
<p>The washing machine and clothes dryer often leave the house with the     seller. However, certain safety checks in the utility room can still  be     made regardless.</p>
<p>A qualified home inspector will first check if the clothes dryer’s     appliance hose connection is secure. The inspector will then check  if the     vent piping, from the dryer to the vent exit, is in good condition.  The     inspector will verify that the vent terminates outside and that the  outside     exhaust port is functional and in good condition, to avoid lint  buildup and     reduced airflow.</p>
<p>On the washing machine, the inspector will check to make sure the  outlet is     grounded in order to operate the washer safely. The inspector will  then     check to make sure the water hose is approved for use as a water  line, and     that the washer drain standpipe is the correct size.</p>
<h2><strong>Clothes Dryer Safety</strong></h2>
<p>Fires can occur when lint builds up in the dryer or in the  exhaust duct.     Lint build-up can block the air-flow and cause heat to build-up,  which     could result in a fire.</p>
<p>Follow these tips to help prevent fires in your clothes dryer:</p>
<p>• <strong>Clean the lint screen/filter</strong> before and after  each load</p>
<p>• <strong>Check the vent pipe</strong> outside while the dryer is  running     to make sure the exhaust air is escaping. If not, the exhaust pipe  may be     blocked.</p>
<p>• <strong>Keep the area around</strong> your dryer clear of clutter</p>
<p>• <strong>Clean behind the dryer</strong> where lint may build up</p>
<p>• <strong>Be especially cautious</strong> when drying clothes that  have     been soiled with cooking oils, gasoline or other chemicals. If  possible,     wash these clothing items more than once and use the lowest heat  setting on     the dryer.</p>
<h2><strong>Green Your Washing Machine. . . </strong></h2>
<p>According to National Geographic’s “The Green Guide,” energy-efficient     washing machines can use up to 50 percent less energy and 60 percent  less     water than standard machines. If your washing machine is a  water-guzzler or     an older model, consider replacing it with an energy-efficient front     loader.</p>
<p>Front-loading washing machines use about 40 to 60 percent less water  and 30     to 50 percent less energy than top-loading machines, according to  “The     Green Guide.” Energy-Star rated models use about half the amount of  water     per load than traditional models.</p>
<p>Here are some usage tips for your washing machine:</p>
<p>• <strong>Wash only</strong> full loads</p>
<p>• <strong>Wash your clothes</strong> in cold water. If there is  something     you must wash in hot water, use cold water in the rinse cycle</p>
<p>• <strong>Adjust the washing machine</strong> so the water levels  match the     load of laundry</p>
<p>• <strong>Use less detergent</strong> to avoid having to run extra  rinse     cycles</p>
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<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/Appliances' rel='tag' target='_blank'>Appliances</a>, <a class='technorati-link' href='http://technorati.com/tag/Dryer' rel='tag' target='_blank'>Dryer</a>, <a class='technorati-link' href='http://technorati.com/tag/Safety' rel='tag' target='_blank'>Safety</a>, <a class='technorati-link' href='http://technorati.com/tag/Washer' rel='tag' target='_blank'>Washer</a></p>

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		</item>
		<item>
		<title>Summer Home Maintenance</title>
		<link>http://chestercountyrealestateguide.com/home-owners/summer-home-maintenance/</link>
		<comments>http://chestercountyrealestateguide.com/home-owners/summer-home-maintenance/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 15:32:01 +0000</pubDate>
		<dc:creator>Chris LaGarde</dc:creator>
				<category><![CDATA[Home Owners]]></category>
		<category><![CDATA[home maintenance]]></category>

		<guid isPermaLink="false">http://chestercountyrealestateguide.com/?p=1151</guid>
		<description><![CDATA[With the arrival of warm weather, all eyes will be on the exterior of your home. Make sure your home’s exterior is in top shape by following these tips: • Keep exterior improvements in proportion to your home and neighborhood. Avoid improvements that would make your exterior seem over-the-top compared to your neighbor’s home. • [...]]]></description>
			<content:encoded><![CDATA[<p>With the arrival of warm weather, all eyes will be on the exterior of     your home. Make sure your home’s exterior is in top shape by  following     these tips:</p>
<p>• <strong>Keep exterior improvements</strong> in proportion to your  home     and neighborhood. Avoid improvements that would make your exterior  seem     over-the-top compared to your neighbor’s home.</p>
<p>• <strong>If repainting your home,</strong> choose a color that  won’t draw     attention in the wrong way. Choose a contrasting accent color for  your     shutters and doors and a lighter color for the windows and trim.</p>
<p>• <strong>Choose a mix of plants</strong> that will create an     attention-grabbing landscape year round.</p>
<p>• <strong>If there is a mature tree</strong> in your front yard  that’s blocking     the front of your home, hire a professional to trim it instead of  cutting     it down.</p>
<p>• <strong>Don&#8217;t overlook the small</strong> improvements.  Updating light     fixtures and adding potted plants can be inexpensive ways to improve  the     look of an entry.</p>
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		<title>Ask The Inspector: Doors &amp; Windows</title>
		<link>http://chestercountyrealestateguide.com/home-owners/ask-the-inspector-doors-windows/</link>
		<comments>http://chestercountyrealestateguide.com/home-owners/ask-the-inspector-doors-windows/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 15:18:22 +0000</pubDate>
		<dc:creator>Chris LaGarde</dc:creator>
				<category><![CDATA[Home Owners]]></category>
		<category><![CDATA[Doors]]></category>
		<category><![CDATA[home maintenance]]></category>
		<category><![CDATA[Windows]]></category>

		<guid isPermaLink="false">http://chestercountyrealestateguide.com/?p=1148</guid>
		<description><![CDATA[Q: How do I determine the condition of my windows and doors for maintenance purposes? Windows and doors in a commercial or residential property are important for aesthetics, safety and energy efficiency. Understanding the type, function and condition of the windows and doors can help determine future maintenance projects. A National Property Inspections professional will [...]]]></description>
			<content:encoded><![CDATA[<p><strong><em>Q: How do I determine the condition of my windows and  doors     for maintenance purposes?</em></strong></p>
<p>Windows and doors in a commercial or residential property are  important for     aesthetics, safety and energy efficiency. Understanding the type,  function     and condition of the windows and doors can help determine future     maintenance projects.</p>
<p>A National Property Inspections professional will assess the  condition and     safety of doors and windows on the exterior and interior of the  home. The     inspector will determine the type of front door. The NPI  professional will     observe the door’s condition to see if it is warped, split or  scratched.     The inspector will also perform a visual inspection of the condition  of the     windows. The most common problems for windows are cracked, missing  or     broken panes.</p>
<p>Inside, the NPI professional will check the window and door  operation. The     inspector will also look for the presence of screens or storm  windows and     breaks or cracks in the window panes.</p>
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<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/Doors' rel='tag' target='_blank'>Doors</a>, <a class='technorati-link' href='http://technorati.com/tag/home+maintenance' rel='tag' target='_blank'>home maintenance</a>, <a class='technorati-link' href='http://technorati.com/tag/Home+Owners' rel='tag' target='_blank'>Home Owners</a>, <a class='technorati-link' href='http://technorati.com/tag/Windows' rel='tag' target='_blank'>Windows</a></p>

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		<title>Client Testimonial: Kevin &amp; Kelly</title>
		<link>http://chestercountyrealestateguide.com/videos/client-testimonial-kevin-kelly/</link>
		<comments>http://chestercountyrealestateguide.com/videos/client-testimonial-kevin-kelly/#comments</comments>
		<pubDate>Mon, 07 Jun 2010 22:21:28 +0000</pubDate>
		<dc:creator>Chris LaGarde</dc:creator>
				<category><![CDATA[Chester County]]></category>
		<category><![CDATA[Home Owners]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[seller]]></category>
		<category><![CDATA[Video testimony]]></category>

		<guid isPermaLink="false">http://chestercountyrealestateguide.com/?p=1080</guid>
		<description><![CDATA[Kevin and Kelly were first time home seller’s and asked us to help walk them through the process of selling their home in a very difficult market. See for yourself how happy they were with our service: Share on Facebook Technorati Tags: seller, Video testimony]]></description>
			<content:encoded><![CDATA[<p><strong>Kevin and Kelly were first time home seller’s and asked us to help walk them through the process of selling their home in a very difficult market. See for yourself how happy they were with our service:</strong></p>
<p><object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="640" height="385" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="allowFullScreen" value="true" /><param name="allowscriptaccess" value="always" /><param name="src" value="http://www.youtube.com/v/E8fRUy_6LSM&amp;hl=en_US&amp;fs=1&amp;" /><param name="allowfullscreen" value="true" /><embed type="application/x-shockwave-flash" width="640" height="385" src="http://www.youtube.com/v/E8fRUy_6LSM&amp;hl=en_US&amp;fs=1&amp;" allowscriptaccess="always" allowfullscreen="true"></embed></object></p>
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		<title>5 Secrets to Selling Your House</title>
		<link>http://chestercountyrealestateguide.com/videos/5-secrets-to-selling-your-house/</link>
		<comments>http://chestercountyrealestateguide.com/videos/5-secrets-to-selling-your-house/#comments</comments>
		<pubDate>Fri, 26 Feb 2010 19:34:03 +0000</pubDate>
		<dc:creator>Chris LaGarde</dc:creator>
				<category><![CDATA[Chester County]]></category>
		<category><![CDATA[Home Owners]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[selling your house]]></category>
		<category><![CDATA[video]]></category>

		<guid isPermaLink="false">http://chestercountyrealestateguide.com/?p=865</guid>
		<description><![CDATA[Gary Keller, founder of Keller Williams Realty, gives ABC 5 secrets to selling your house: Share on Facebook Technorati Tags: selling your house, video]]></description>
			<content:encoded><![CDATA[<p> Gary Keller, founder of Keller Williams Realty, gives ABC 5 secrets to selling your house:</p>
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		<title>Maintenance Matters: No hot water?</title>
		<link>http://chestercountyrealestateguide.com/chester-county-pa/maintenance-matters-no-hot-water/</link>
		<comments>http://chestercountyrealestateguide.com/chester-county-pa/maintenance-matters-no-hot-water/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 14:00:42 +0000</pubDate>
		<dc:creator>Chris LaGarde</dc:creator>
				<category><![CDATA[Chester County]]></category>
		<category><![CDATA[Home Owners]]></category>
		<category><![CDATA[home maintenance]]></category>
		<category><![CDATA[water heater]]></category>

		<guid isPermaLink="false">http://chestercountyrealestateguide.com/?p=767</guid>
		<description><![CDATA[You wake up to take a hot shower and you realize that there is no hot water. What do you do? Here are some steps to help you try to solve your no hot water problems. • If you have a gas water heater, check the pilot light. If you smell gas, turn off the [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://chestercountyrealestateguide.com/wp-content/uploads/2010/01/waterheater.jpg"><img class="alignleft size-full wp-image-768" title="waterheater" src="http://chestercountyrealestateguide.com/wp-content/uploads/2010/01/waterheater.jpg" alt="waterheater" width="94" height="167" /></a>You wake up to take a hot shower and you realize that there is no hot water. What do you do? Here are some steps to help you try to solve your no hot water problems.</p>
<p>• If you have a gas water heater, check the pilot light. If you smell gas, turn off the gas supply to the water heater and call for service. If you don’t smell gas, and feel comfortable doing so, you may attempt to re-light the pilot by following the instructions on the water heater.</p>
<p>• Check to make sure the gas supply is on. Check other gas appliances in your home or ask neighbors if their gas supply is working.</p>
<p>• If you have an electric water heater, check the circuit breaker or fuse. Reset the breaker/fuse once if there is no visible damage at the water heater or the electrical panel.</p>
<p>• Electric water heaters have a high-limit switch under the top cover. If you feel comfortable, remove the cover and reset this switch once by pushing the button.</p>
<p>If you don’t feel comfortable attempting to reset or re-light your water heater, it is important to call for service.</p>
<p>Article courtesy of <a href="http://npiweb.com/benson" target="_blank">John Benson of National Property Inspections</a></p>
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<p class='technorati-tags'>Technorati Tags: <a class='technorati-link' href='http://technorati.com/tag/home+maintenance' rel='tag' target='_blank'>home maintenance</a>, <a class='technorati-link' href='http://technorati.com/tag/water+heater' rel='tag' target='_blank'>water heater</a></p>

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		<title>Home Maintenance: Lowering Water Heating Bills</title>
		<link>http://chestercountyrealestateguide.com/chester-county-pa/home-maintenance-lowering-water-heating-bills/</link>
		<comments>http://chestercountyrealestateguide.com/chester-county-pa/home-maintenance-lowering-water-heating-bills/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 17:00:36 +0000</pubDate>
		<dc:creator>Chris LaGarde</dc:creator>
				<category><![CDATA[Chester County]]></category>
		<category><![CDATA[Home Owners]]></category>
		<category><![CDATA[home maintenance]]></category>

		<guid isPermaLink="false">http://chestercountyrealestateguide.com/?p=762</guid>
		<description><![CDATA[Do you want to lower your water heating bills this winter? Here are some tips for energy-efficient water heating. Reduce your hot water use by repairing leaks in fixtures and installing new low-flow fixtures on showerheads and faucets. When replacing dishwashers or clothes washers, purchase energy-efficient appliances with an Energy Star® label. Lower the thermostat [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://chestercountyrealestateguide.com/wp-content/uploads/2010/02/ShowerHead.jpg"><img class="alignleft size-full wp-image-764" title="ShowerHead" src="http://chestercountyrealestateguide.com/wp-content/uploads/2010/02/ShowerHead.jpg" alt="ShowerHead" width="94" height="167" /></a>Do you want to lower your water heating bills this winter? Here are some tips for energy-efficient water heating.</p>
<ul>
<li> Reduce your hot water use by repairing leaks in fixtures and installing new low-flow fixtures on showerheads and faucets. When replacing dishwashers or clothes washers, purchase energy-efficient appliances with an Energy Star® label.</li>
<li>Lower the thermostat setting on your water heater. You can save between 3 to 5 percent for each 10 degree reduction in your water temperature. Consult your water heater owner’s manual first.</li>
<li>If you have an electric water heater, install a timer that will shut off the water heater at night when you don’t use hot water and during your utility’s peak demand times. This could save an additional 5 to 12 percent of energy.</li>
<li>Insulate your water heater tank and hot water pipes..</li>
</ul>
<address>Article courtesy of John Benson with <a href="http://npiweb.com/benson">National Property Inspections. </a>For more information, go to the <a href="http://www.energysavers.gov/your_home/water_heating/index.cfm/mytopic=13030" target="_blank">Energy Savers.</a></address>
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		<title>Ask the Home Inspector: Fireplace inspections</title>
		<link>http://chestercountyrealestateguide.com/buyers/ask-the-home-inspector-fireplace-inspections/</link>
		<comments>http://chestercountyrealestateguide.com/buyers/ask-the-home-inspector-fireplace-inspections/#comments</comments>
		<pubDate>Fri, 29 Jan 2010 17:00:00 +0000</pubDate>
		<dc:creator>Chris LaGarde</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Chester County]]></category>
		<category><![CDATA[Home Owners]]></category>
		<category><![CDATA[home maintenance]]></category>
		<category><![CDATA[inspections]]></category>

		<guid isPermaLink="false">http://chestercountyrealestateguide.com/?p=758</guid>
		<description><![CDATA[Q: How do I check if my fireplace is in good condition? Fireplaces are considered very inefficient heat sources, but they are a feature homeowners look for in their homes. There are two types of fireplaces: brick (or sometimes rock) and mortar fireplaces and a prefab unit with masonry surrounding it. Fireplaces and chimneys are [...]]]></description>
			<content:encoded><![CDATA[<p><strong><a href="http://chestercountyrealestateguide.com/wp-content/uploads/2010/01/Fireplace.jpg"><img class="alignleft size-full wp-image-760" title="Fireplace" src="http://chestercountyrealestateguide.com/wp-content/uploads/2010/01/Fireplace.jpg" alt="Fireplace" width="94" height="167" /></a>Q: How do I check if my fireplace is in good condition?</strong></p>
<p>Fireplaces are considered very inefficient heat sources, but they are a feature homeowners look for in their homes. There are two types of fireplaces: brick (or sometimes rock) and mortar fireplaces and a prefab unit with masonry surrounding it.</p>
<p>Fireplaces and chimneys are part of a general inspection. A home inspector will check for major cracks in the masonry surrounding the firebox. The inspector will then look into the flue and operate the damper to verify that it works.</p>
<p>Because the inspection is a visual inspection, the inspector cannot see if there are any internal problems within the chimney, but they can inspect the exterior of the chimney by observing the condition of the masonry.</p>
<p>The inspector will then look for creosote stains leaking out from the mortar joints, which would indicate that there is a break in the flue liner.</p>
<p>For more information, visit my preferred home inspector&#8217;s website, at <a href="http://npiweb.com/benson" target="_blank">npiweb.com/benson</a></p>
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		<title>Home Energy Efficiency Checklist</title>
		<link>http://chestercountyrealestateguide.com/chester-county-pa/home-energy-efficiency-checklist/</link>
		<comments>http://chestercountyrealestateguide.com/chester-county-pa/home-energy-efficiency-checklist/#comments</comments>
		<pubDate>Mon, 18 Jan 2010 17:00:51 +0000</pubDate>
		<dc:creator>Chris LaGarde</dc:creator>
				<category><![CDATA[Chester County]]></category>
		<category><![CDATA[Home Owners]]></category>
		<category><![CDATA[Home Tips]]></category>

		<guid isPermaLink="false">http://chestercountyrealestateguide.com/?p=730</guid>
		<description><![CDATA[In the efforts to help everyone, including myself, &#8220;Go Green&#8221;, I wanted to share this fantastic check list with you all. Not only will it &#8220;help the earth&#8221; but save you $$, which we all could use right now. The following is a simple checklist of energy conservation/efficiency measures to use at home. Today Turn [...]]]></description>
			<content:encoded><![CDATA[<p>In the efforts to help everyone, including myself, &#8220;Go Green&#8221;, I wanted to share this fantastic check list with you all. Not only will it &#8220;help the earth&#8221; but save you $$, which we all could use right now.</p>
<p>The following is a simple checklist of energy conservation/efficiency measures to use at home.</p>
<h2>Today</h2>
<ul>
<li> Turn down the temperature of your water heater to the warm setting (120°F). You&#8217;ll not only save energy, you&#8217;ll avoid scalding your hands. </li>
<li> Check if your water heater has an <strong><a href="http://www.eere.energy.gov/consumer/your_home/water_heating/index.cfm/mytopic=13070">insulating blanket</a></strong>. An insulating blanket will pay for itself in one year or less!  </li>
<li> Heating can account for almost half of the average family&#8217;s winter energy bill. Make sure your furnace or heat pump receives professional maintenance each year. And look for the <a href="http://www.energystar.gov/">ENERGY STAR®</a> label when replacing your system. </li>
<li> Review additional <strong><a href="http://www.eere.energy.gov/consumer/your_home/water_heating/index.cfm/mytopic=12760">strategies to reduce your water heating bills</a></strong>. Water heating can account for 14%-25% of the energy consumed in your home. </li>
<li> Survey your incandescent lights for opportunities to replace them with <strong><a href="http://www.eere.energy.gov/femp/procurement/eep_compact_fluor_lamp.html">compact fluorescents (CFLs)</a></strong> or light-emitting diodes (LEDs). CFLs can save three-quarters of the electricity used by incandescents. The best targets are 60-100 W bulbs used several hours a day. Measure the clearance in the fixtures to make sure they will accommodate compact fluorescents, which are slightly bigger than incandescents. </li>
<li> <strong>Turn off the lights</strong> in unoccupied rooms or consider installing timers, photo cells, or occupancy sensors to reduce the amount of time your lights are on. </li>
<li> Install a <strong>programmable thermostat</strong> that can be adjusted to temperatures according to your schedule. </li>
<li> During winter, open curtains on your south-facing windows during the day to allow sunlight to naturally heat your home, and close them at night to reduce the chill you may feel from cold windows. </li>
<li> <strong>Clean or replace filters</strong> in your furnace, air-conditioner, and heat-pump. </li>
<li> <strong>ENERGY STAR® labeled products</strong> can cut your energy bills by up to 30 percent. Find retailers near you at <a href="http://www.energystar.gov/">http://www.energystar.gov/</a> when you&#8217;re ready to replace your heating and cooling systems—as well as appliances, lighting, windows, office equipment, and home electronics. </li>
</ul>
<h2>This Week</h2>
<ul>
<li> Visit the hardware store. Buy a water-heater blanket, low-flow showerheads, faucet aerators, and compact fluorescents, as needed. If you can&#8217;t find compact fluorescents locally, check out <a href="http://www.energyguide.com/">ENERGY guide</a> or <a href="http://www.efi.org/">Energy Federation Incorporated</a>. </li>
<li> Rope caulk leaky windows. </li>
<li> Assess your heating and cooling systems. Determine if replacements are justified, or whether you should retrofit them to make them work more efficiently to provide the same comfort (or better) for less energy. </li>
</ul>
<h2>This Month</h2>
<ul>
<li> <strong>Collect your utility bills</strong>. Separate electricity and fuel bills. Target the largest energy consumer or the largest bill for energy conservation measures. </li>
<li> <strong>Insulate your hot water pipes</strong> to prevent heat loss. </li>
<li> <strong>Insulate heating ducts in unheated areas</strong>, such as attics and crawlspaces. Keeping ducts in good repair can prevent heat loss of up to 60 percent at the registers. </li>
<li> <strong>Seal up the largest air leaks</strong> in your house—the ones that whistle on windy days, or feel drafty. The worst culprits are usually not windows and doors, but utility cut-throughs for pipes (&#8220;plumbing penetrations&#8221;), gaps around chimneys and recessed lights in insulated ceilings, and unfinished spaces behind cupboards and closets. Better yet, hire an energy auditor with a blower door to point out where the worst cracks are. All the little, invisible cracks and holes may add up to as much as an open window or door, without you ever knowing it! </li>
<li> Install a <strong>clock thermostat</strong> to set your thermostat back automatically at night. </li>
<li> Schedule an <strong>energy audit</strong> (ask your utility company or state energy office) for more expert advice on your home as a whole. Learn more about <strong><a href="http://www.eere.energy.gov/consumer/your_home/energy_audits/index.cfm/mytopic=11160">home energy audits</a></strong>. </li>
</ul>
<h2>This Year</h2>
<ul>
<li> Insulate. If your walls aren&#8217;t insulated have an insulation contractor blow cellulose into the walls. Bring your attic insulation level up to snuff. </li>
<li> Replace aging, inefficient appliances. Even if the appliance has a few useful years left, replacing it with a top-efficiency model is generally a good investment. Especially check the age and condition of your refrigerator. </li>
<li> Upgrade leaky windows. It may be time to replace them with energy-efficient models or to boost their efficiency with weatherstripping and storm windows. The typical home loses more than 25 percent of its heat through windows. </li>
<li> Reduce your air conditioning costs by planting shade trees and shrubs around your house—especially on the west side. </li>
<li> Know that you are making a difference! </li>
</ul>
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		<title>10 Ways to pay less for your homeowner&#8217;s insurance in Chester County</title>
		<link>http://chestercountyrealestateguide.com/chester-county-pa/10-ways-to-pay-less-for-your-homeowners-insurance-in-chester-county/</link>
		<comments>http://chestercountyrealestateguide.com/chester-county-pa/10-ways-to-pay-less-for-your-homeowners-insurance-in-chester-county/#comments</comments>
		<pubDate>Fri, 18 Dec 2009 16:02:08 +0000</pubDate>
		<dc:creator>Chris LaGarde</dc:creator>
				<category><![CDATA[Chester County]]></category>
		<category><![CDATA[Home Owners]]></category>
		<category><![CDATA[Homeowner's]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://chestercountyrealestateguide.com/?p=672</guid>
		<description><![CDATA[Home owners insurance in Chester County is typically not that expensive, but with the economy being what it is, I know we are all looking for ways to save a couple bucks. I came across this article, which was given by the Insurance Information Institute and thought that home owner&#8217;s in Chester County would appreciate [...]]]></description>
			<content:encoded><![CDATA[<p>Home owners insurance in Chester County is typically not that expensive, but with the economy being what it is, I know we are all looking for ways to save a couple bucks. I came across this article, which was given by the Insurance Information Institute and thought that home owner&#8217;s in Chester County would appreciate it.</p>
<p><strong>1. Shop Around</strong></p>
<p style="padding-left: 30px;">Shopping around can save you a good sum of money. Ask your friends or contact your state insurance department. Also check consumer guides, insurance agetns and online insurance quote services.</p>
<p><strong>2. Raise your deductible</strong></p>
<p style="padding-left: 30px;">The higher your deductible, the more money you can save on your premiums. If you can afford to raise your deductible to $1000, you may save as much as 25%.</p>
<p><strong>3. Don&#8217;t confuse what you paid for your house with rebuilding costs.</strong></p>
<p style="padding-left: 30px;">The land under your house isn&#8217;t at risk from theft, windstorm, fire and other perils covered in your homeowners policy. So don&#8217;t include its value in deciding how much homeowners insurance to buy. If you do, you will pay a higher premium than you should.</p>
<p><strong>4. Buy your home and auto policies from the same insurer.</strong></p>
<p style="padding-left: 30px;">Some companies will take 5 to 15% offer your premium if you buy two or more policies</p>
<p><strong>5. Make your home more disaster resistant. </strong></p>
<p style="padding-left: 30px;">Find out from your insurance agent or company representative what steps you can take to make your home more resistant to wind storms and other natural disasters.</p>
<p><strong>6. Improve your home security. </strong></p>
<p style="padding-left: 30px;">You can usually get discounts for a smoke detect her, burglar alarm, or dead bolt locks. Some companies offer to cut your premiums by as much as 15 or 20% if you install a sophisticated sprinkler system and a fire and burglar alarm rings at the police, fire, or other monitoring stations.</p>
<p><strong>7. Seek out other discounts. </strong></p>
<p style="padding-left: 30px;">Companies offer several types of discounts. For example, if your at least 55 years old and retired you may qualify for a discount of up to 10% at some companies.</p>
<p><strong>8. Maintain a good credit record. </strong></p>
<p style="padding-left: 30px;">Establishing a solid credit history can cut your insurance costs. Insurers are increasingly using credit information to price homeowners insurance policies. To protect your credit standing, pay your bills on time, don&#8217;t obtain more credit than you need and keep your credit balance is as low as possible. Check your credit record on a regular basis and have any errors corrected promptly.</p>
<p><strong>9. Stay with the same insurer. </strong></p>
<p style="padding-left: 30px;">Some insurers were reduced premiums by 5% if you stay with them for 3 to 5 years and by 10% if you remain a policyholder for six years or more.</p>
<p><strong>10. Periodically review your policy and insure wisely. </strong></p>
<p style="padding-left: 30px;">Review your policy limits and the value of your possessions at least once a year. you want your policy to cover any major purchases or additions to your home. But you don&#8217;t want to spend money for coverage you don&#8217;t need. Although you want to lower your homeowners insurance costs you don&#8217;t want to be underinsured either !</p>
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