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New or Used—Which Kind if Home Should You Purchase?

new vs used home

Purchasing a home is a big decision, and one that will have a substantial impact on your day-to-day life and your budget for years to come. Making a decision about what type of home to buy is very personal, but considering the benefits and drawbacks of each option can help you make a choice that suits your needs.
The Pros and Cons of Buying a Used Home
Buying a used home comes with pros and cons.
Pros include:

• Used homes are usually in established neighborhoods. This means you’ll know what kind of school district you’ll live in and what kind of reputation the area has. Established neighborhoods are also usually in a more central location than new homes which means it can be easier to run to the grocery store or drop off your dry cleaning.
• Used homes are often less expensive than newly built homes of the same size.
• Used homes often have more unique architecture and design elements.
Cons include:

• Used homes have experienced more wear and tear, so they usually require more maintenance and repairs.
• Used homes may have been built when codes weren’t as strict, which means they might not be as well insulated or as sturdy as newer homes.
• There are often fewer homes for sale in very popular established neighborhoods. In some cases this can drive up prices and make it harder for you to get your offer excepted.
The Pros and Cons of Buying a New Home
Consider the following when looking at new homes:

Pros:

• New homes are cleaner, since no one else has lived in them before.
• New homes usually require less maintenance and repair since nothing has been worn out due to years of use.
• New homes are often more energy efficient, which can save you money on monthly utilities.
• You usually have more choices when shopping for new homes, which can make it easier to find the floor plan, and size of home you want.
• New homes have modern design and are often integrated with modern technology.

Cons:

• New homes are often built in developments that are far away from central locations.
• New homes in new neighborhoods mean that there is more change in the area. There could be frequent construction nearby and it will be hard to know what the neighborhood dynamic will be.
• New homes are usually more expensive than used homes.
• New homes are often in areas with Homeowners Associations, which can mean expensive fees.
• New homes often have a similar design to all the other homes in the development, making them less unique.
Which Type Of Home Is Right For You?
There are good reasons to choose a new home or a used home. It is important to consider your lifestyle, your budget, and your priorities when deciding which type of home to purchase. Remember that insurance will vary based on the type of home you choose and the neighborhood that it is in. Visit Heuer Insurance about protecting your new purchase with a homeowners policy.

Homeowners Insurance 101: The Basics

homeowner

Adequately understanding the basics of homeowners insurance policies can be vital when rebuilding or replacing your home and personal belongings. The following information covers the basic essentials of homeowners insurance and everything you need to know when considering its benefits.

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Your Guide To Babyproofing Your Home

homeowners insurance

Welcoming a new baby into your life is an exciting experience—but a new baby comes with a lot of other changes. To make sure your new baby is safe, you’ll have to make some changes around the house. Use the following guide to babyproof your home.

Windows And Doors

  • Install window stops or guards to prevent falls. Remember that a window screen is not strong enough to hold a child.
  • Get rid of any curtains or blinds with looped cords. Keep other cords out of reach.
  • Install door stops to prevent crushed fingers.
  • Place doorknob covers on doors leading to restricted areas. This can keep your children from leaving the house alone or getting into unsafe areas of the house.
  • Keep furniture away from the windows so children can’t climb up to the windows using a couch or chair.

Bedrooms

  • Close dresser drawers so they can’t be used as a ladder.
  • Keep toys for older children stored in a safe place and talk to your older kids about keeping their younger sibling safe. Toys with long strings, lots of parts, or small pieces that could break off are unsafe for babies.

Bathrooms

  • Keep cleaning supplies and other dangerous chemicals out of reach and locked up.
  • Never leave a child unattended in the bathtub.
  • Get a lock to keep the toilet closed.
  • Keep appliances such as hair dryers and curlers unplugged when they aren’t being used.

Kitchen

  • Keep the handles of pots and pans turned toward the back of the stove while cooking.
  • Lock the cabinets and refrigerator and put knives out of reach in a safe place.

General Areas

  • Install smoke and carbon monoxide detectors and make sure they have fresh batteries
  • Keep outlets covered.
  • Block off stairs with a baby gate.
  • Block off the fireplace with a grate.
  • Keep electrical cords behind furniture so they are inaccessible.
  • Anchor heavy furniture such as bookshelves, dressers, and TV stands to the wall.
  • Store heavy items low to the ground.

It is up to you to make your home safe for a new baby. Use the above guidelines to make sure you and your home are ready.

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Is Buying a New Home the Right Choice for Me?

buying a new home

Buying a home is a huge decision, and whether you are buying a brand new home, or buying a previously lived in home it will be a difficult choice to make. As you decide whether or not to purchase a home, there are several factors you should keep in mind.  Here is a quick guide to the pros and cons of buying a new home.

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Home Buyer’s Checklist

Home Buyer's checklist

When buying a house, there’s no such thing as being “too safe.” Too often homeowners will sign the contract, only to find a month later that there is something about the house or the neighborhood that isn’t ideal. Here is a list to check and double check that the house you’re buying is right for you.

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Why You Should Always Get a Home History Report before Buying

When you buy something for your home, like a TV, you can read online reviews and consumer reports to help you make your purchase. Even when you buy a used car, you can request a vehicle history report.

But what are your options when buying a home? The stakes are much higher, since a home is likely to be the biggest purchase of your life. When unexpected problems pop up after you buy, it can cost you thousands of dollars and diminish the overall value of your home.

Thankfully, you can take steps to lower the risks of buying a home. One option is to request a home history report.

House and Key

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How to Decide Between Buying and Renting

When you are deciding between buying or renting a home, your comfort and happiness should be your top priorities. But when you could be happy in either a rented or owned home, your decision becomes a bit more complicated.
Here are a few of the most important factors to keep in mind as you look towards your future home and plan your renting or purchasing decisions.

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How to Find the Right Home Security System

If you are new in your home and want to protect it from any possible dangers, you may be wondering which home security system is right for you.  And, with the variety of companies available, it can be difficult to narrow it down.

Here are a few of the best signals you should keep in mind as you search for your home security system!

Home

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What You Need to Know Before Buying a Home

Buying your first home can be an intimidating task to say the least. You may feel pressure from your family to get a home, you may feel pressure from the real estate agent trying to sell you the home, and you may just end up making the worst decision of your life. Make sure you know what you are doing before you buy a home. Here are some things you should be aware of before making one of the biggest investments of your life.

Buying a home is not for everyone

This may come as a surprise to you, but there is no rule that you need to buy a home. In fact, there are some pretty obvious reasons why it may just be more economical to rent. Whatever you do, make sure you don’t opt out of renting before you run the numbers. You might be surprised at how much you could save.

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What Is Vacant Home Insurance and Do I Need It?

If you own a second home that you leave vacant anywhere from 3 to 36 months, it is recommended that you invest in vacant home insurance in order to keep an eye on it. Here are a few reasons why this type of insurance would help you.

What is it?

Vacant home insurance protects your home financially if it is vandalized while you’re away. There comes a point in a child’s life when they are no longer afraid of abandoned homes, as if they’re haunted. These rambunctious youth are the most common offender of vandalism, but animals, weather, and burglars are also a threat. Even if you have neighbors checking in on your house every now and then, that doesn’t give you the financial protection you need in case of a break-in.

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