Tired of Being Cold? 6 Ways to Keep Your Home Warm (Without Cranking the Heat)

Heating costs are going up! These tips make it possible to stay warm this winter without turning up the dial on your thermostat.

Woman sitting on chair, keeping warm with blanket over shoulders and hot chocolate.

It’s chilly out there, and the cost of heating your home is on the rise. According to the National Energy Assistance Director’s Association, home heating costs are at their highest in 10 years. Some families are paying more than 17% more to heat their homes. You might be reluctant to turn up the heat if you’re on a budget.

There’s more than one way to stay warm at this time of year. You can stay warm without turning up the heat by insulating your home, using heating pads, and drinking soup and hot drinks.

1 – Weatherstrip Your Home

Drafts near windows and doors can cause cold spots around the house. Weatherstripping can help keep the cold air out and the warm air in.

Weatherstripping is an easy project for an afternoon. You can purchase weatherstripping from your local hardware store. It should be thick enough to fill the gaps around windows and doors but not so thick that it prevents them from opening or closing properly.

If you applied weatherstripping in the last few years, check your handiwork. If the weather stripping has cracked, broken, or compressed, it should be replaced.

2 – Use Heating Pads (Microwavable Ones)

Use microwaveable heating pads to heat your feet in bed. These heating pads often have beads inside that retain heat for a long time. If you don’t own this type of heating pad, you can also make one at home from a clean sock and uncooked rice.

3 – Eat Soup and Drink Warm Beverages

Make a pot of soup or a hot cup of tea. You’ll warm your kitchen during the preparation and warm your body when you consume it. For maximum benefit, keep a pot of coffee going throughout the day or a crock pot of soup on the kitchen counter.

4 – Dress in Layers

It’s time to break out those sweaters, turtlenecks, long-sleeved shirts, and long underwear! Dressing in layers is an art, as you’ll want to dress warm enough to stay comfortable but not too warmly that you’ll feel sweaty and damp. Wear silk or polyester to wick away sweat in the layer closest to your body. In the next layer up, wear a sweater, a sweatshirt, or a fleece to provide insulation and warmth.

Add layers to your bed and your body, putting more blankets on to stay warm at night.

5 – Humidify Your Home

Dry air feels cooler than humidified air. The longer winter goes on, the dryer the air feels. Install a humidifier in your home. Aim for a humidity of 30% to 40%. Use a hygrometer to measure your humidity levels, and avoid over-humidification.

6 – Use That Fireplace

Whether you have a gas or wood-burning fireplace, getting a fire going is a charming way to keep your house warm. Before use, contact a chimney sweep at the start of the season to have your chimney inspected and serviced. Do this even if you never used your chimney last year because you never know what could have happened to your chimney between now and then.

Be Safe. Contact Your Insurance Professional.

Heat your home safely this winter – never leave fires unattended and never use your oven as your heat source. Contact your insurance professional to ensure that your home has adequate coverage.

Does Home Insurance Cover Mold Issues?

Does Home Insurance Cover Mold Issues - Seattle, WashingtonWhen we think of an issue that may arise by being a homeowner, many people wonder if their problem can be covered by insurance.

My House Has a Mold Issue, Am I Covered?

If your home develops a mold issue, is it covered by insurance? The easiest answer is most likely no. Most mold issues do not occur overnight and this is the main reason why it is not covered by insurance. Insurance carriers tend to see mold as a sign of neglect. This could occur if you have a leaking pipe or if a window isn’t sealed properly, which eventually leads to mold growth.

Some home insurance policies may name mold as a covered peril so it is important to review your coverage details or discuss coverage with your insurance agent. There also may be a few scenarios where you may be covered if your mold issue developed quickly. This could occur if you experienced water damage from a burst pipe or appliance.

Homeowners never want to deal with a mold problem and many times it can be prevented.

Tips to Avoid Mold Issues

  • If you are shopping for a home, you may want to pay for a mold inspection before you move in. Sometimes mold can be hard to detect if it is hidden inside the walls of your home or underneath your carpet.
  • Check your gutters to ensure they are free of debris. Clogged gutters can also cause more problems than just mold growth.
  • When it is a nice day, open up your windows to allow fresh air to circulate. This could decrease moisture inside your home.
  • Be aware of any leak inside your home and fix it immediately. Be sure to check your roof, as this is another common place to develop leaks.
  • Do you ever notice any condensation on your walls or windows?
  • Do you smell anything musty inside your home? This is the common scent of mold growth and it may be time to hire a professional to inspect your home.
  • Perform yearly maintenance on any appliance that uses water.
  • If you see any mold growth in your home, be sure to clean it with soap & water or a cleaner. Mold can form in many places such as your shower, toilet, sinks, inside your refrigerator, under your kitchen sink, inside your trash can, microwave, stove, window sills, mattress, vents, etc.
  • Purchase a dehumidifier and keep it on low levels in your home.
  • Always run your fan when taking a hot shower. Mold loves moisture.

We hope you never experience a mold issue, as this can cause damage to your home and your health. Preventative action is the best way to reduce your risk. If you have questions about your current home insurance policy, call our agency.

Insurance Options for Leased or Financed Vehicles

Insurance Options for Leased or Financed Vehicles in Seattle, WAYou have many coverage options when it comes to purchasing auto insurance. Some people choose to have the state minimum requirements, while others want more coverage protection.

If you are looking to lease or finance your next vehicle, it is important to understand what you most likely will need.

State minimum requirements include two coverages:

Bodily injury & property damage: this coverage only protects others if you are involved in an at-fault accident. This coverage will pay for damage you caused to a person’s property & if your at-fault accident caused an injury to anyone outside your vehicle and often a passenger in your vehicle.

Bodily injury & property damage coverage does not provide any coverage for your injuries or damages caused to your vehicle. State minimum requirements vary by state so depending on where you live, additional coverage may be required besides just bodily injury & property damage.

If you are leasing or financing a vehicle, you most likely will be required to carry more than just state minimum requirements on your auto insurance policy.

If you currently have state minimum requirements on your auto insurance policy but want to lease or finance a vehicle, your auto insurance premium will typically increase in cost since you need to purchase more coverage.

Additional auto insurance coverage that tends to be required when you lease or finance a vehicle:

Comprehensive coverage: this coverage can help pay to repair or replace your vehicle if it is vandalized, or damaged from a fire, wind, fallen tree, flood, lightning, or other covered weather-related incidents. It can also pay for damages caused by hitting an animal or if your car is stolen.

Collision coverage: If you cause an at-fault accident where your vehicle is damaged, this coverage can help pay for repairs or the replacement of your vehicle should it be deemed a total loss. This could include colliding with another vehicle, a guardrail, or fence.

Depending on who you lease or finance your vehicle through, you may have specific policy limit requirements you need to purchase. For example, bodily injury limits may need to be $100,000/person and $300,000/accident. To make things easier for you, ask your lease or finance company what liability limits you need to purchase. This will allow an insurance agent to provide you with the most accurate auto insurance quote.

Other coverages we recommend:

There are additional coverages that can help protect you if you get into an accident. Uninsured motorist coverage, medical payments, personal injury protection, and more. If you call us for a quote, we will explain all of your options.

Call Our Agency When it’s Time to Shop for Auto Insurance

A local insurance agent is one of the best ways to find affordable auto insurance. Especially if you currently have state minimum auto insurance, we will shop all of our insurance carriers to find the best rate.

We also have access to car insurance discounts, which will help lower your monthly or yearly premium. Call, email, or fill out a quote form on our website to get a free auto insurance quote.