Navigating Homeowners Insurance: What You Need to Know

Homeowners insurance is a crucial financial tool that provides protection for your home and belongings in case of unexpected events. Understanding the key components of homeowners insurance is essential to ensure you have the right coverage for your needs. Here’s what you need to know:


Types of Coverage:

  • Dwelling Coverage: This covers the structure of your home, including the roof, walls, floors, and foundation. It’s essential to insure your home for its full replacement cost.
  • Personal Property Coverage: This covers your personal belongings, such as furniture, appliances, clothing, and electronics. Make sure to take inventory and estimate the value of your possessions.
  • Liability Coverage: This provides protection if someone is injured on your property, and you’re found liable. It also covers damage caused by your pets.
  • Additional Living Expenses (ALE) Coverage: ALE pays for temporary living expenses if your home becomes uninhabitable due to a covered event, like a fire or natural disaster.

Policy Types:

  • HO-3 Policy: This is the most common type of homeowners insurance policy and provides comprehensive coverage for your home and personal property. It covers a wide range of perils, except those specifically excluded.
  • HO-5 Policy: This is an upgraded version of HO-3, offering even broader coverage and fewer limitations.
  • HO-6 Policy: Designed for condo owners, this policy covers the interior of your unit and personal property.
  • HO-4 Policy: Known as renters insurance, it covers personal property and liability for renters but doesn’t cover the structure itself.
  • Coverage Limits: Your policy will have coverage limits for various categories, such as personal property, liability, and ALE. Make sure these limits are sufficient to cover your needs.
  • Deductibles: The deductible is the amount you pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premium but means you’ll pay more if you file a claim.
  • Exclusions and Endorsements: Understand what perils are excluded from your policy. Common exclusions may include floods, earthquakes, and acts of terrorism. You can purchase additional coverage or endorsements for these excluded events if needed.
  • Premiums: Your premium is the amount you pay for your homeowners insurance. Factors that influence your premium include your location, the age and condition of your home, your credit score, and the coverage limits you choose.
  • Discounts: Insurance companies offer discounts for various reasons, such as bundling home and auto insurance, installing security systems, or having a good claims history. Inquire about available discounts to reduce your premium.
  • Claims Process: Understand how to file a claim with your insurance company. Document damage or loss thoroughly and keep all communication related to the claim. Be prepared to provide receipts, photos, and other evidence.
  • Review and Update: Periodically review and update your homeowners insurance policy to reflect changes in your home’s value, improvements, or changes in your circumstances.
  • Shop Around: Compare quotes from different insurance providers to ensure you’re getting the best coverage at the most competitive price. Don’t forget to consider the reputation and customer service of the insurer.
  • Legal Requirements: While homeowners insurance isn’t legally required in most states, if you have a mortgage, your lender will likely require it. Even if it’s not mandated, having homeowners insurance is highly advisable to protect your investment.
  • Read the Fine Print: Before purchasing a policy, carefully read and understand the terms and conditions. If you have questions or need clarification, don’t hesitate to ask your insurance agent.

Navigating homeowners insurance can be complex, but it’s a critical aspect of safeguarding your home and financial security. Take the time to assess your needs, compare policies, and make informed decisions to ensure you have the right coverage for your home and belongings.

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The Pros and Cons of Buying New Construction

Buying a new construction home can offer several advantages, but it also comes with its own set of drawbacks. To make an informed decision, consider the following pros and cons of purchasing a newly built home:

Pros and Cons of New Construction

Pros of Buying a New Construction Home:

  • Customization: Many builders allow buyers to customize various aspects of the home, including floor plans, finishes, and sometimes even the layout. This enables you to create a living space tailored to your preferences.
  • Energy Efficiency: New homes are often designed with the latest energy-efficient technologies, such as energy-efficient appliances, windows, insulation, and heating/cooling systems. This can lead to lower utility bills and a reduced environmental impact.
  • Warranty: New construction homes typically come with warranties that cover structural issues and major systems for a certain period (e.g., 10 years). This provides peace of mind and protection against unexpected repair costs.
  • Modern Amenities: New homes often feature contemporary amenities and design trends, such as open floor plans, large walk-in closets, high ceilings, and updated kitchens and bathrooms.
  • Reduced Maintenance: Since everything is brand new, you’re less likely to encounter immediate maintenance and repair issues that older homes might have. This can save you time and money in the short term.
  • Safety and Building Codes: New homes are built to current building codes and safety standards, which can provide a higher level of structural integrity and safety compared to older homes.
  • Technology Integration: New homes are often equipped with modern technology, such as smart home features like security systems, built-in speakers, and programmable thermostats.
New construction

Cons of Buying a New Construction Home:

  • Higher Cost: New construction homes typically come with a premium price tag compared to older homes with similar square footage and location. You may pay more for the convenience and newness.
  • Limited Character: Some people prefer the character and uniqueness of older homes, which may have historic charm or architectural details that newer homes lack.
  • Incomplete Landscaping: Newly constructed homes may have bare yards without mature trees or landscaping. It can take time and effort to create an outdoor space that matches your vision.
  • New Neighborhood Development: If you move into a newly developed area, it might take time for essential amenities like schools, shopping centers, and public transportation to become available.
  • Punch List Items: After moving in, you may discover minor issues or incomplete work that need to be addressed. Builders often provide a “punch list” to fix such problems, but it can be inconvenient.
  • Limited Room for Negotiation: Builders may be less willing to negotiate on price compared to individual sellers of older homes. However, there could still be room for negotiation on upgrades or closing costs.
  • Unforeseen Issues: While new homes are less likely to have immediate maintenance problems, they can still have construction defects or issues that become apparent over time.
Pros and Cons of New Construction

In summary, buying a newly constructed home offers modern amenities, energy efficiency, and peace of mind with warranties, but it can come with a higher cost and potential drawbacks like limited character and incomplete landscaping. It’s essential to carefully weigh these pros and cons and consider your personal preferences and priorities before making a decision. Additionally, conducting thorough research and inspections during the home-buying process is crucial to ensure the quality of the newly constructed property.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

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Essential Tips for First Time Home Buyers

Certainly buying a home for the first-time can be an exciting yet daunting experience. 

Here are some essential tips to help you navigate the process and make informed decisions:

First-time homebuyers


  • Assess Your Finances:

Review your financial situation and determine how much you can comfortably afford for a down payment, monthly mortgage payments, property taxes, insurance, and maintenance costs.

  • Set a Realistic Budget:

Based on your financial assessment, set a clear budget for your home purchase. First-time homebuyers should remember to consider additional costs such as closing costs, moving expenses, and potential renovations.

  • Check Your Credit Score:

A good credit score is crucial for obtaining a favorable mortgage rate. Review your credit report, correct any errors, and work on improving your credit score if needed.

  • Pre-Approval for a Mortgage:

Get pre-approved for a mortgage before you start house hunting. This will help you understand your budget and show sellers that you’re a serious buyer.

  • Work with a Realtor:

A qualified real estate agent can guide you through the buying process, help you find suitable properties, negotiate offers, and provide valuable insights about the local market.

  • Location and Research:

Research the neighborhoods you’re interested in. Consider factors like proximity to work, schools, public transportation, and amenities.

  • Prioritize Your Needs:

Make a list of your must-haves and nice-to-haves in a home. This will help you narrow down your options and focus on properties that align with your priorities.

  • Home Inspection:

Once you’ve found a potential home, invest in a professional home inspection to uncover any underlying issues that might not be apparent at first glance.

  • Negotiate Wisely:

Don’t hesitate to negotiate the price and terms of the deal. Your real estate agent can provide guidance on making a competitive offer.

  • Understand Closing Costs:

Closing costs include various fees associated with the home purchase, such as attorney fees, title insurance, appraisal fees, and more. Be prepared for these additional costs.

  • Read Contracts Carefully:

Review all contracts and documents carefully before signing. If something is unclear, seek legal advice or clarification from your real estate agent.

  • Future Resale Value:

While buying a home is a personal decision, consider the potential resale value of the property in case you decide to move in the future.

  • Don’t Rush:

Take your time to find the right property. Rushing into a decision could lead to regrets later on.

  • Emergency Fund:

It’s a good idea to have an emergency fund in place to cover unexpected home repairs or other financial challenges that may arise after the purchase.

  • Learn About Homeownership:

Educate yourself about the responsibilities of homeownership, including maintenance tasks, property taxes, homeowners’ association (HOA) rules (if applicable), and local regulations.

Remember that every real estate market is unique, so these tips should be adapted to your specific circumstances and location. With careful planning and research, you can make your first-home buying experience a successful one-

First-time homebuyers holding a sign

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

Military Move Network Map

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10 Summer Maintenance Tips

Here are 10 home summer maintenance tips to help you keep your home in good condition all year long:

  • Check and clean your air conditioning system: Before the hot weather hits, inspect your air conditioning system. Clean or replace the filters, remove any debris around the unit, and consider scheduling a professional tune-up to ensure it’s running efficiently.
  • Inspect and clean your gutters: Summer can bring occasional rainstorms, so make sure your gutters are clear of debris to prevent water damage. Remove leaves, sticks, and any other obstructions that may be blocking the flow of water. This maintenance tip can also help prevent house fires.
  • Check and maintain your outdoor plumbing: Inspect outdoor faucets, hoses, and sprinkler systems for leaks or damage. Repair or replace any faulty components to prevent water waste and potential water damage.
  • Inspect and clean your windows and screens: Remove dust and dirt from your windows and screens. Clean the glass inside and out, and repair or replace any damaged screens to keep bugs out while enjoying fresh air.
  • Trim trees and shrubs: Overgrown branches near your house can pose a risk during storms or high winds. Trim back any trees or shrubs that are too close to your home to prevent potential damage.
  • Clean and seal your outdoor deck or patio: Summer is the perfect time to enjoy your outdoor living spaces. Clean your deck or patio thoroughly, and if needed, apply a fresh coat of sealant or stain to protect it from the elements.
  • Inspect and clean your outdoor grill: If you enjoy outdoor cooking, inspect and clean your grill before the summer season. Check for gas leaks, clean the grates, and make sure all parts are in good working condition.
  • Check and maintain your pool: If you have a pool, inspect the pool equipment, such as the filter, pump, and skimmer. Clean or replace the filters, check water chemistry levels, and ensure all safety measures, such as fences and gates, are in place and functioning properly.
  • Inspect and clean your outdoor lighting: Check your outdoor lights, including pathway lights, porch lights, and security lights. Replace any burned-out bulbs, clean fixtures, and ensure the lights are working correctly for safety and ambiance.
  • Check for pest infestations: Summer can bring unwanted pests into your home. Inspect your home for signs of infestation, such as ants, mosquitoes, or termites. Take appropriate measures to prevent and control pests, such as sealing entry points and using insect repellents.

Remember, safety is paramount when performing maintenance tasks. If you’re unsure about any task or feel uncomfortable doing it yourself, it’s best to hire a professional to ensure the job is done correctly and safely.

Looking to buy or sell a home, or do you just need information on your next PCS location? Check out our PCS Unit Map below. 

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5 Ground Rules for Home Buying Success

Ground Rules for Success - Kelsey and Jorge Realtors

There are few purchases in life that carry the financial and psychological weight of buying a home.  Whether you are buying your first home, moving up to your dream home, or downsizing your home and your life after the kids have gone, it is important to understand the ground rules for success in the world of buying a home.

 Making the wrong decision in buying a home can have devastating and long-lasting effects, while making a wise decision in home buying can greatly enhance the overall value of the investment.  It is necessary to learn all you can about the world of home buying and mortgages before setting out to purchase the home of your dreams.

While there are plenty of web sites designed to help first time homeowners learn all they can, most financial experts say that there is no substitute for the good old one-on-one learning. Fortunately, most mortgage lenders, home inspectors and real estate agents will be able to provide this kind of one-on-one learning.

When buying a home, it is often best to use a systematic approach as this is often the best way to be sure that all decisions are based on information and reason, not on impulse or emotion.  Buying a home can be an emotional process, nevertheless it is imperative to keep your emotions under control and not let them cloud your judgment.

 There are five basic ground rules when it comes to buying a home and shopping smart, and they are: 

1) Get Your Financing Before You Get Your Home

There are few things in life as disappointing as losing out on the home of your dreams due to not being able to secure funding.  While the desire to get out there are search for that great home is understandable, it is vital to line up the financing you will need before you start shopping for a home.

 Getting the financing ahead of time has a number of important advantages, including knowing how much you can buy and gaining more respect from the listing agents.  By knowing how much home you can afford before you shop you will avoid wasting your time looking at unaffordable properties, and the listing agent will be more than willing to show you the homes in your price range.

 It is also important to take a good look at the various types of mortgage on the market before getting started in the home buying process.  These days, mortgages come in far more choices than the typical 15 or 30 year. For that reason, potential home buyers need to understand how each type of mortgage works, and to gauge which mortgage is the best choice for their needs.

2) Look at the Community, Not Just the Home

It is a good idea to look at the entire community, instead of focusing on a single home. This can be a particularly important thing to consider for those moving to a new metropolitan area, as these buyers will be unfamiliar with the local climate and lifestyle.  It is crucial to determine the areas of town that are most desirable, and to consider things like distance from work and local shopping opportunities.

We have all heard that location is the key consideration when it comes to real estate, and that is certainly the case.  Buying a house in the wrong area can be a big mistake, and it is important to choose the location as well as the home.  Potential buyers can learn a great deal about the nature of the various neighborhoods simply by driving around town, as well as by talking to other residents.

Community - Kelsey and Jorge Realtors

3) Be Fair with Your First Offer

Trying to lowball a seller on the first offer can backfire, as can paying too much. It is important to carefully evaluate the local market, and to compare the asking price of the home with what similar houses in the neighborhood have sold for.

Comparing the sales of comparable homes, what are known as “comps” in the industry, is one of the best ways to determine what is fair, and to make sure that you neither overpay or underbid on the property.

4) Always Rely on a Home Inspection

Always investigate the home for any possible defects before making an offer.  Compared to the cost of the average home, the price of a quality home inspection is virtually negligible. Hence, get a good home inspection done before you buy.

 To find the best home inspector, it is a good idea to seek out word of mouth referrals as many of the best home inspectors rely on word of mouth advertising.

5) Do Not Alienate the Sellers of the Home

Many real estate deals have fallen apart due to the personal animosity of the buyer and the seller.  It is important to avoid alienating the seller of the home during the process, and to avoid nitpicking every little detail during the sale.

Keeping the good will of the seller will help the transaction go smoothly, and it will provide the best environment for seller and buyer alike.

Inspections - Kelsey and Jorge Realtors
Julie Herrmann - Highlands Mortgage

About the Author

Julie Herrmann is the Branch Manager at Highland’s Mortgage in Kingston, WA.

Your Mortgage Gal for Life
Cell (360) 900-7092
Fax (425) 749-5503
11253 NE State Hwy. 104
Kingston, WA 98346
Highlands Residential Mortgage, Ltd. | WA Branch License: CL-2075463

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Top 4 Doorbell Home Security Systems With Cameras

Doorbell Security

When it comes to home security, it is difficult to know who’s knocking your door before you open it. There is nothing better than a doorbell, security system. After all, your peepholes can be physically blocked, wet, or even smudged which makes it difficult to know who is on the other side of your door.

Doorbell home security systems will help you know if the person at your door is your relative, the delivery guy, your neighbor or a stranger. Video doorbell security systems will help you eliminate these possibilities, providing you with the much-needed security in your home. Regardless of your location from home, you will be in the position to know the security status of your house.

Also, home security systems such as video doorbells provide you with an opportunity to talk and hear from the person at your door. Here are the different types of doorbell home security systems available on the market.

Doorbell security

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The Ring Video Security Doorbell System

A Ring Video doorbell is the biggest name when it comes to home security, but this does not make them the best systems for every budget. Your doorbell security system options will depend on the budget and your installation preferences since the company offers both hard-wired Elite and Pro versions of their popular doorbells.

These security systems feature more sophisticated sensors and higher camera resolution. Also, the systems do not depend on batteries or the spotty wireless connections. If you are looking for sleek and recognizable doorbells that come with a worldwide connection of users and easy to use interface, this system might be the best doorbell for your needs.

Also, Ring provides you with both wireless and wired home security systems that can work on every home. These systems come with night vision, two-way talk, activity alerts, on-demand video and many more.

RCA Doorbell Home Security System

Most of these doorbell home security systems will provide you with a free trial on the cloud service while charging you a fee on a monthly basis. The RCA skips the recurring expenses in favor of the microSD storage.

These systems come with 16GB microSD cards and cameras to help you get started. The system’s memory slot can accommodate up to 128GB, which makes it a pretty versatile storage option. Other features are also pretty top-notch with a 3M sensor onboard to provide you with ultra-HD video recording and processing with excellent clarity.

The RCA security system allow you to utilize two-way talk features even when you are about to communicate with anyone at your door. Also, the motion-sensing capability of the system sends you notifications to your mobile device. The security system does not have similar brand recognition as the Ring or Nest, but its approach to video storage makes it a perfectly viable option for your home.

Doorbell Security

VTech Video Doorbell Security System

The VTech video security system is among the best wireless home doorbell systems, you can have in your home comparing its price and quality. It comes with two-in-one cordless systems and a color LCD which means you can connect it to your mobile device as well as digital cameras.

Another excellent feature of the VTech doorbell home security system is the snapshots that provide you with a click. It allows its users to snap several photos automatically. Also, it’s an opportunity to listen to audio live streams. The system’s cordless handsets let you see the person on the other side of your door without having to change your position. VTech doorbell home security systems work independently and permit mobility within your home.

Also, the system comes with an automatic night vision mode. You can adjust the videos to the contrast you desire and optimize the quality that will suit your unique needs and preferences. The system has a volume adjustment option that helps you control the quality of the sound and volume.

Homeowners can adjust the cameras to any angle they want which can be done using a joystick available in the interior of the security system. It has the best video camera, excellent sound system and everything you need in a doorbell.

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Doorbell security

Nest Hello Doorbell Security System

If you currently have a Nest thermostat in your home or any other product from Google, you will probably be a fan of the Hello doorbell system. The Nest’s Hello doorbell home security system comes with facial recognition features, making it stand out from other options that only distinguish between non-human and human movement as well as detecting movement.

It also features integrated mobile technology and other essential features for managing your home security which includes scheduling and geofencing options to block notifications during certain hours of the day or about specific individuals.

Doorbell home security systems have become more popular over the past few years and are currently considered more of a necessity than a luxury. They are your home’s first line of defense, and you can remotely access them, monitor and control through your mobile devices.

Jessica Kane

About the Author

Jessica Kane is a writer for Nick’s Building Supply, Inc., the best place for custom made or replacement front doors online. 

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Unraveling the Mystery of Home Insurance

Home Insurance

Today, most real estate owners in Seattle choose to maintain homeowners insurance coverage. This important type of protection helps supply a safety net against many types of unexpected events causing damage to a residence, or harm to people on the property. It usually pays to shop carefully for this type of insurance.

Homeowners Insurance Protections Vary by State

The specific items covered by a homeowners insurance policy will differ sometimes based upon the company offering the policy, the location, and the level of coverage selected. Since states vary widely in the items lawmakers may require builders to install in residential properties, policy holders in some locations obtain more comprehensive protections.(1) In general, most homeowners insurance policies cover at least four basic categories(2) of damage:

  • Residential interiors;
  • Residential exteriors;
  • Liability protection for accidents occurring on the property;
  • Coverage for theft or vandalism-related property damage.
Home Insurance

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Interior and Exterior Property Damage

Homeowners insurance differs from mortgage insurance, although many homeowners pay both types of insurance along with monthly, quarterly, or annual mortgage payments. Mortgage insurance essentially protects a lender against a purchaser’s default.

By contrast, homeowners insurance helps compensate homeowners when unexpected calamities damage their property interests in the residence itself. For instance, if lightning strikes the home, homeowners insurance may help the homeowner pay for the cost of repairing roof damage.

It also covers repairing or replacing flooring impacted by leaking water. Most homeowners insurance policies maintain a claim limit of $100,000 per incident. (In some states, some companies do permit customers to purchase higher levels of insurance coverage.)

Liability And Theft Protections

One important item typically covered by homeowners insurance relates to a homeowner’s interest in protecting people who sustain injuries while visiting the property.

For example, if a tile slips from the roof and strikes a person delivering pizza to the residence, the property owner may face liability for the accident. A homeowners insurance policy usually offers some level of liability coverage protection in this type of situation.

Similarly, if a thief breaks into the home by battering down a door, a homeowners insurance policy will usually help the homeowner pay for replacing the damaged door and door lock.

Some policies will even cover intentional third party damage to the homeowner’s automobiles parked on the property.

Many homeowners insurance companies allow customers to purchase additional policy coverage riders to insure valued items of personal property on the premises against accidental damage or intentional thefts.

Home Insurance

Read Your Homeowners Insurance Policy Carefully

In general, homeowners benefit by consulting about the provisions of their homeowners insurance policy with their insurance agent. The terms of individual policies sometimes vary significantly.

One policy might offer low premiums but include a hefty deductible. Another might cover one particular type of loss, such as damage to a roof caused by a toppling tree, but might exclude other types of casualties, such as wind damage to trees on the property during storms.

Homeowners sometimes discover they obtain more comprehensive protections by purchasing additional specified types of insurance coverage.

Additionally, consider that most homeowners insurance policies do exclude two broad categories of damage: Acts of War and Acts of God.(3)

The classification of a calamity within either of these designations may prevent an insured from obtaining coverage protection when disaster strikes.

For instance, if an invading army burns down the house (an Act of War) or an earthquake topples the garage (an Act of God), homeowners may not succeed in receiving compensation from their insurance company for their loss.

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Home Insurance

Why Policy Details Matter

While most policies do cover fire damage and water damage in general, the causative events sometimes determine whether or not a homeowner actually obtains compensation.

Usually, insurance companies will not compensate the insured for losses caused by floods, seismic activity, power failures, or accidents resulting from neglected property conditions. If you’d like to receive specific coverage for a potential hazard, clarifying this issue with an experienced insurance agent in advance may help prevent misunderstandings and confusion later.

Additionally, homeowners insurance closely resembles automotive insurance in one important respect: people who file repeated claims frequently experience difficulty obtaining coverage.

From a practical standpoint, a homeowner may discover handling small accidental losses out of pocket helps keep homeowners insurance premiums more affordable.

**Insurance companies do not have to sell policies to customers who pose a high risk of becoming claimants. This situation sometimes impacts a customer’s ability to qualify for home financing.

The Process of Filing a Homeowners Insurance Claim

After a homeowner discovers accidental damage to the property (or to visitors on the property), the insured typically files a claim by contacting the insurance company.

In many situations, the insurance firm will assign a property adjuster to investigate the underlying fact situation. This process might involve an insurance investigator or adjuster visiting the premises and photographing the damage.

When an insurance company approves a claim, the firm pays the insured property owner an amount determined by the terms of the policy.

An insured receives this payment less the cost of the deductible. In some cases, the insurer will also specify property mitigation requirements. (For example, insurance policies for commercial realty sometimes require a property owner to obtain water remediation or fire remediation services in order to receive full compensation.

Conceivably, in some states, insurance companies may include clauses requiring homeowners to obtain these remediation services, too.)

Research Homeowners Insurance Carefully

It usually proves prudent for homeowners to discuss their policy provisions in detail with their insurance agent before making a purchasing decision.

By shopping carefully for coverage, you’ll often locate the best available policy provisions for your circumstances. Individual homeowners insurance needs vary, so evaluating the most significant property risks in your location with your agent in light of your unique needs usually makes financial sense.

Helpful Resources to Continue Research: 

  1. Bankrate
  2. Investopedia
  3. Wikipedia

Looking to sell your home?  Use these tips to help you sell from area realtors.

If you found this advice, or any of my advice helpful, please consider buying from one of my affiliates at no additional cost to you and supporting The Military Move. When you click and make a purchase within 24 hours (at no additional charge), we receive a small donation. Thank you!

Jessica Kane

About the Author

Jessica Kane is a professional blogger who writes for Scaffold Store, the favorite and trusted scaffold supplier of the largest contractors.

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The Buzz About Tankless Water Heaters

Tankless Water Heaters

Property owners in the Greater Seattle Area, as well as around the country, sometimes face an important decision: selecting a new water heater. Should you purchase a conventional water heater with a large tank, or a newer “tankless” brand? This brief article will discuss some of the pros and cons associated with the installation of this technology.

The Development of Tankless Water Heaters

Today, it startles most people to realize the concept of hot water on demand remains comparatively modern. An Englishman named Benjamin Waddy Maughan reportedly patented the first rudimentary water heater in 1868.

Known as the “Geyser,” this Victorian Era device heated water immediately before it entered a bathtub.(1) The invention served as one inspiration for the modern tankless water heater.

During the Twentieth Century, the concept of using a big tank to supply a steady stream of warm water directly to a residential plumbing system gained popularity. The public welcomed this innovation. Obtaining a dependable flow of warm water by simply turning on a faucet became a popular residential amenity during the 1890s and early 1900s.(2)

For decades, most homes in the United States relied upon large tanks to heat water for use in kitchens, bathrooms, and laundry rooms.

Water Heaters

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Electric Tankless Hot Water Heaters

Although experimentation with tankless water heating systems occurred during the latter half of the Nineteenth Century, this innovation did not become commercially available for several decades. During the late 1920s, a German firm named Stiebel Eltron began manufacturing small electric tankless water heating systems.

However, the technology did not really become competitive commercially for widespread residential use in the United States until the 1970s.(2) Today, consumers frequently opt to install tankless water heaters instead of conventional units with large tanks. Tankless designs operate using either gas or electricity. They fall into two categories.

Most frequently, an individual tankless system heats water immediately before use (at the tap level). A few companies also market “whole house” tankless systems designed to accommodate multiple faucets in a single residence.(3)

Some Important Tankless Water Heater Advantages

Tankless hot water heaters have gained popularity recently as a result of some important advantages. First, these units typically operate with greater energy efficiency because they heat water immediately before use. A homeowner does not spend money to heat 40 or 50 unused gallons of hot water at one time.

Second, tankless models tend to enjoy a considerably longer anticipated lifespan than units relying upon large tanks. The cost of this technology pro rated over the entire lifespan of the equipment usually proves less expensive. Additionally, gas-powered units often allow property owners to obtain federal or state tax rebates based upon the use of energy-efficient products.(4)

Third, tankless water heaters installed at the tap level frequently attach directly to a wall underneath a sink. The compactness of many modern tankless water heaters helps make them an ideal choice for use in some motels, hotels, and rental apartments. This technology does not monopolize valuable floor space.

Fourth, the absence of a water tank offers another important practical benefit. Although infrequent, leaks sometimes do occur in home water heating tanks. When they install tankless water heating systems, property owners don’t need to worry about ruptures in the tank soaking floors or causing water to spill onto nearby furnishings.(3)

Fifth, tankless systems permit the precise temperature regulation of hot water. This capability reduces safety problems associated with sudden spikes in hot water temperature. Many experts consider the new tankless units less apt to cause accidental hot water burns than conventional units.(5)

Tankless Water Heaters

The Cons of Tankless Water Heaters

Of course, like every item of equipment, a tankless hot water heater also holds some drawbacks. These units don’t suit every residential property. Equipment with large tanks sometimes remains the best choice for several reasons:

First, the initial cost of acquiring a tankless system sometimes poses a practical barrier to the use of this technology. These innovative systems tend to cost between two and four times as much as conventional water heating equipment. Some buyers consider the initial outlay of funds prohibitively expensive.(5)

Second, property owners frequently must spend money on infrastructure improvements in order to use energy-efficient gas or electric tankless hot water heaters.

For example, it may become necessary to upgrade a home’s electrical system or expand the size of the residential natural gas line. These costs sometimes make the adoption of a tankless system quite expensive.(3)

Third, some rooms in residential properties simply cannot accommodate gas-powered tankless hot water heating equipment. These units require venting to an outside wall. This safety consideration makes this technology impractical for some homeowners.(4)

Fourth, tankless hot water heaters generate brief transient temperature fluctuations which sometimes create discomfort for people desiring immediate access to hot water.

This technology heats water shortly before it leaves the tap. However, bathers must wait a few seconds for the faucet to expel unheated cold water already in the line before they experience a reliable stream of hot water on demand. This problem proves most acute during the use of whole-house tankless heating units serving multiple faucets.(5)

So while a tankless system eliminates safety concerns associated with the use of overly hot water, it sometimes contributes to complaints from users that they must wait for water to warm up.

Fifth, the complexity of tankless hot water heaters means most customers must obtain experienced installation services. Since the use of this equipment often necessitates an infrastructure upgrade, it generally makes sense to depend upon an experienced, licensed HVAC or plumbing professional for assistance. The technology does not lend itself to DIY installation.(4)

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Tankless Water Heaters

Selecting A New Hot Water Heater

Both conventional and tankless hot water heaters supply pros and cons. Consider speaking with an experienced plumber or HVAC contractor about your situation before selecting the best equipment for your home. Not every tankless system suits every property. On the other hand, this technology sometimes produces significant long term savings!

Useful Resources to Research:





Tankless Water Heaters

Looking to sell your home?  Use these tips to help you sell from area realtors.

If you found this advice, or any of my advice helpful, please consider buying from one of my affiliates at no additional cost to you and supporting The Military Move. When you click and make a purchase within 24 hours (at no additional charge), we receive a small donation. Thank you!

Jessica Kane

About the Author

Jessica Kane writes for PlumbersStock, the top choice of do-it-yourselfers and professional plumbers alike for all of their plumbing supply needs. 

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Update Your Space with a Fence

Accessories for Real Estate

A simple way in which you can up the market value of your residence is to enhance its curb appeal. You do not need to spend a fortune on improving the street appearance of your home.

One step that you might want to consider taking as a means of improving the curb appeal of your property is to add a front perimeter fence to your property.

There are a number of factors to bear in mind when it comes to adding a front perimeter fence at your residence.

Functionality with Fencing

*This post may contain affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

The Importance of Curb Appeal

Curb appeal is important when you have no plans to sell your home and want it to look tremendous.  Curb appeal is vital if you want put your home on the market for sale.

There is a saying that you can’t judge a book by its cover. That may work for reading, but it isn’t accurate when it comes to selling your house.

The reality is that potential buyers are judging your house by how it looks from the curb. In fact, you may have an amazing interior, but if the front of your home is not up to par, you will lose potential buyers who will not even bother to set foot inside your home.

There are more simple steps that you can take to enhance the curb appeal of your home.

This includes such things as giving your home a fresh coat of paint.

In addition, you can give your landscaping an uplift as well. This includes dealing with problems with your lawn and making sure any plants on the premises look their best.

As was mentioned, a perimeter fence should be considered as well.

The Focus of a Perimeter Fence

You need to contemplate exactly what you want the focus of your fence to be when it comes to the issue of curb appeal. For example, if your home is in a neighborhood that has had issues regarding crime, the focus of a front perimeter fence should be on protection and security. This type of fence sends a reassuring message to people who like your home but who may have heard about crime issues nearby.

Perimeter Fence for Decoration

Another primary focus of a front perimeter fence is decoration and enhancing the overall appearance of your home.

In this regard, you have a myriad of options.

When it comes to a decorative front perimeter fence, you can head down the traditional path or you might have some sort of innovative idea of your own. With these points noted, you will want to make sure that whatever you select compliments and harmonizes with the design concepts of the house.

Real Estate Accessory

Perimeter Fence for Security

As mentioned a moment ago, a prime focus for a perimeter fence can be security.

There are fences that are designed with a specific focus on security. These fences typically come complete with gates that activate via remote control, permitting you to drive onto the property without having to exit you automobile.

Keep in mind that just because a perimeter fence has a focus on security doesn’t mean that it cannot be attractive in appearance.

Perimeter Fence for Privacy

A key consideration for many people looking to buy a home is privacy.

Privacy concerns rise in a variety of situations. These include in neighborhoods in which houses are relatively close together.

When considering curb appeal, particularly with an eye to selling your home, adding a privacy front perimeter fence very well make your home far more attractive to potential buyers. In addition, adding a front perimeter fence with a focus on privacy works both ways.

Yes, it likely will make your property more attractive to a prospective buyer. However, it also allows you, your family, and your guests the ability to enjoy all that your front yard has to offer.

You are able to do this without the prying eyes of the neighbors or people motoring by.

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Defining a Space with Fencing

Perimeter Fence for Multiple Purposes

Keep in mind that even if you have a primary focus for a perimeter fence, you are not resigned to having a single purpose front fence.

Rather, you can construct a perimeter fence that covers all the bases, at least to some degree.

You can work closely with a contractor to convey what you really desire from a front perimeter fence.

You will find that there are preexisting designs and products that likely meet your needs.

In addition, there are fencing companies that will assist you in coming up with a customized option the specifically satisfies your needs.

Looking to sell your home?  Use these tips to help you sell from area realtors.

If you found this advice, or any of my advice helpful, please consider buying from one of my affiliates at no additional cost to you and supporting The Military Move. When you click and make a purchase within 24 hours (at no additional charge), we receive a small donation. Thank you!

Jessica Kane

About the Author

Jessica Kane is a writer for Viking Fence, the number one fence rental company in Houston.


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Changes to Your New Home

New Home Changes

I have moved over 15 times and about 1/2 of those were in my adult life.  Moving is what we do in the military.  Change is inevitable.

Moving can be a fun, yet exhausting adventure.  When you move in to your new place, you either want to start packing immediately or crash because of all of the packing, the move itself, and the unloading.

However, how often do you think of the little things you need to change?

Here are 5 changes you need to do when you buy your new house.

Changes to Your Home

*This post may contain affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

Change the Locks

You never know if the last owner/tenant still have keys to YOUR new house. This is the most important change you can make for the security of your family. 

You can buy new locks at a home improvement store (I recommend a deadbolt lock for all exterior doors – including the garage). If you are not handy, consider hiring a recommended local locksmith to change the locks.

Included in this – check all your windows and be sure they are locked.

Throw Out the First Ice Batch

The first ice from the automatic ice maker should go down the drain.  Hopefully, the appliances received a good cleaning – perhaps with bleach. If not, go ahead and give it a good clean and then throw out the first batch. You don’t want any residual in your cold drinks while unpacking all those boxes. 

Change the Toilet Seats

You just bought a house. I know, you are probably very low on money. However, this may be one area of upgrade or change you may want to invest in if possible. 

A toilet seat costs on average $15-30.  We changed the porcelain ones that were standard on ours to nice elongated durable plastic ones.

Mow Overgrown Grass

Seems pretty obvious, right?  Well this usually gets put on the back burner.  However, if you have outdoor pets or kids, you want to get this under control fast. 

Overgrown grass is home to slithering creatures such as snakes (which can be dangerous depending on the area), ticks, fleas, and more. 

Children may not want to be cooped up in your house and the backyard can be a perfect outlet for them while you are unpacking.  Spend a few hours focusing on the yard to give yourself the time you need to organize indoors.

Changes to Your New Home

Change the Batteries in the Smoke Alarms

There is nothing worse than waking up Day 3 at 3am to the annoying chirping sound of the smoke alarm.  It gets the dogs barking which then wakes up the children, and you are now an official zombie.  Go buy a few packs of 9-volt batteries and change them.  

Getting ready to move? Get your PCS guides here.

Doing a DITY move? Read 5 tips that I swear by here.

If you found this advice, or any of my advice helpful, please consider buying from one of my affiliates at no additional cost to you and supporting The Military Move. When you click and make a purchase within 24 hours (at no additional charge), we receive a small donation. Thank you!

Kelsey Ramirez

About the Author

Kelsey Ramirez is a Real Estate Broker in western Washington. She is also a veteran elementary school teacher, military wife, and mom to two daughters.  She is the founder of The Military Move, a military-based website to help families in the PCS process. Kelsey loves to travel, write, and create amazing content.  She has her Masters in Technology, which she uses to learn all new things digital.

With three decades of military support, Kelsey’s mission is to help new and existing military families in their unique adventures through all military topics including PCSing, budgeting, school choice and rights, housing, and especially just being a military spouse.

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