Judy Rivard - Sawicki Real Estate


Mistakes are inevitable in life with their consequences varying in severity. However, some mistakes are best not made because when they happen, they could cause you thousands to fix and set you back lots of time and effort. Here are some of the top homeowners’ insurance mistakes that you should avoid at all cost.

  1. Selecting A Good Insurance Company. When choosing an insurer, you need to go for a company with competitive prices, excellent rating and quality customer's feedback. A common mistake that homeowners make is selecting a company by price alone. Choosing by price is a risk you must not take. Before you settle down with any insurance company, check the financial health and ask friends and families about their various experiences with the insurer. You need a company that is known for competence and handles claims fairly and efficiently.
  2. Dropping Flood Insurance. Should your home be situated in a flood-prone area, it is best to make sure that you have flood insurance. Standard homeowners and renters' insurance policies don't cover for damages resulting from floods. Such insurance coverage is available from the National Flood Insurance Program [NFIP] or any of the private insurance companies.
  3. Overlooking Renters Insurance. This insurance policy covers your possessions and some additional living expenses if you must move out due to an insured disaster like a hurricane or fire outbreak. In cases whereby a member of the family suffers an injury in such a catastrophic event, the insurance provides protection and care too which ensures that you can give them the best of care.
  4. Not Knowing Exclusions. Not understanding the exclusions is a common mistake that homeowners make, and It comes with not reading the fine print thoroughly. Many home insurance policies come with tons of exclusions, and it is your job to make sure that significant claims are insured. For instance, if you stay in a flood-prone area, making sure that the insurance policy covers such a disaster is very paramount. Don't make this mistake!
  5. Getting Less Coverage to Cut Cost. Many have made this mistake, and they ended up spending more than they would have. Don't ever under-insure your home in other to cut cost. That will be a grave mistake you will end up regretting. Sit with your insurance specialist and discuss the various insurance packages and the one best for your home. Having the best coverage is for your safety and also for your wallet.

Take your insurance agent as a friend and don't hesitate to communicate whenever there is a significant change in your home like fencing your home or turning your garage into a store. Keeping your agent up to date is very important. If you haven't reviewed your insurance policy to know what protection it offers you, do that now to be safe.



100 Turkey Hill Rd, Northampton, MA 01062

Florence

Single-Family

$899,000
Price

9
Rooms
3
Beds
3/1
Full/Half Baths
This Timberpeg post & beam home sited in a natural country setting on a private 5+ acre parcel, yields an impression of a French painting bursting with charm.The large wrought iron chandelier in the open vaulted living room exudes the playful warmth of days long past.The muted tones of traditional painted cabinets with a rustic touch interspersed with natural wood cabinets bring all the conveniences of multiple sinks, ovens and appliances for the most dedicated of modern cooks to the central island to celebrate the joy of meal preparation. Bask in the glow of a double sided gas fireplace to open a favorite book in the sunny reading room or share a meal with family and friends at a table set for twelve. This home boasts a perfect fit of a first floor master suite with adjacent study and two additional bedrooms on the second floor overlooking the landscaped peaceful private rear yard. This spacious home has a vaulted 2nd floor studio designed by an artist with potential for 4th bedroom.
Open House
Sunday
June 30 at 1:00 PM to 3:00 PM
From West Farms Rd take Turkey Hill and Driveway is on the left
Cannot make the Open Houses?
Location: 100 Turkey Hill Rd, Northampton, MA 01062    Get Directions

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When prospective buyers stop by to see your house, they're going to be barraged by a variety of sights, sounds, and smells. Some of these sensations will immediately capture their attention, while others may register on a subconscious level.

The encouraging thing to keep in mind is that you can control many aspects of how visitors experience your home.

Here are a few quick tips for making your home as appealing as possible:

Flower arrangements can add a touch of freshness and eye appeal to both the interior and exterior of your home and property. They can also infuse the air with an appealing fragrance, which can make a positive impression on potential buyers. One cautionary note is that wilted or tired-looking floral displays are not going to have the same positive impact as fresh, vibrant ones. Also keep in mind that some flowers smell more appealing than others. Most people generally prefer subtle fragrances, rather than overpowering smells! If the season and your climate permit it, placing hanging baskets of colorful flowers on your front porch and other locations can add immensely to the visual appeal of your property.

Make sure all surfaces are sparklingly clean! Imagine a prospect reaching for a house flyer or information sheet about your home, and finding that the paper was stuck to the kitchen counter! You also don't want them feeling a sticky or wet sensation when they touch or lean their elbow on a counter, tabletop, or refrigerator handle! The same rule-of-thumb can be applied to floor surfaces. If there are sticky spots, stains, or visible spills on the floor, you can be sure that's going to negatively impact a prospect's opinion of your home. It's not easy to keep your home spotless when it's on the market (or at any other time), but if you prioritize areas like floor, countertops, and sinks, then you'll be much less likely to overlook common problem areas. Eliminating pet odors, laundry smells, mold, and mildew will also make your home a much more inviting and appealing place for house hunters, real estate agents, and other visitors.

Reduce household noises whenever possible. Noises, such as squeaky hinges, loud HVAC systems, or rumbling garage doors can imply several things to prospective home buyers -- all of which are undesirable! Low-cost, DIY solutions to these problems are often available, although in some cases, it might be necessary to call a repairman or service person to check out your operating systems and make needed adjustments.

There are a lot of things to be aware of when you sell your house, but if you approach different tasks in a systematic, methodical way, you'll be much more likely to remember the important stuff and avoid sticky situations that could undermine your chances for getting your house sold quickly!


The quality of residential family life you will experience in this 1840's Colonial home on this favored center town location, is difficult to imagine without going back in time. The architectural features and craftsmanship are comforting in their endurance and the spaces are designed to work for both privacy and connection for all ages, and their guests. Likewise, the small garden with flowering trees and shrubs offers various opportunities to enjoy the natural world in surprising seclusion. The bustle of Main St. and the Town Green events including the weekly Farmer's Market are only 2 short blocks away, as are the Art Cinema, the Jones Library, and a wide variety of places to eat. Connection is inevitable when you use your feet instead of wheels and both you and the world will benefit from it.The lovely open foyer with window seat welcomes you home. The open stringer staircase is flooded with light from two leaded glass windows at the landing, a double staircase to the second floor.

More Info on this Property | New Listing Alerts

This Timberpeg post & beam home sited in a natural country setting on a private 5+ acre parcel, yields an impression of a French painting bursting with charm.The large wrought iron chandelier in the open vaulted living room exudes the playful warmth of days long past.The muted tones of traditional painted cabinets with a rustic touch interspersed with natural wood cabinets bring all the conveniences of multiple sinks, ovens and appliances for the most dedicated of modern cooks to the central island to celebrate the joy of meal preparation. Bask in the glow of a double sided gas fireplace to open a favorite book in the sunny reading room or share a meal with family and friends at a table set for twelve. This home boasts a perfect fit of a first floor master suite with adjacent study and two additional bedrooms on the second floor overlooking the landscaped peaceful private rear yard. This spacious home has a vaulted 2nd floor studio designed by an artist with potential for 4th bedroom.

More Info on this Property | New Listing Alerts



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