Tools Used by Diy Experts When They Have Less Gardening Experience?

Tools Used by Diy Experts When They Have Less Gardening Experience?

Everyday gardening could be a challenge if you have to call for a handyman to fix or maintain your garden. Thanks to the DIY experts who know how to save money and yet keeping the yard look beautiful always. These DIY handyman gardening tools can save you ample money that you can use on other activities. Perhaps, getting more plants would be an amazing idea for a healthier life.

Take a quick read of this article as we have listed some of the best gardening tools recommended by the precioushandyman.com or DIY experts. These tools come handy when you have lesser experience in gardening and do not wish to experiment on anything with little knowledge.

Tools Used by DIY Experts

1. Gardening gloves:

No task is possible without proper gardening gloves especially with less experience. You cannot afford to face any injury by sharp gardening tools or objects thus, buying a pair of gardening tools will cost you less and save more than on injuries.

2. Shovel:

Shovel is made with some amazing creative ideas too online. You may wish to check some videos by the DIY experts. Shovels could be of different types such as post hole diggers, drain spades, digging shovels, scoop shovels, etc.… Based on your requirement you may buy a shovel within your budget. These come handy as you cannot afford to dig every pot of plant or portion of your grass with a knife.

3. Hose:

No DIY activity works without a watering hose. Watering is more comfortable with the help of a good basic hose. Depending on the garden size, you may buy the tool to water plants. You can cover a larger area than otherwise by bringing a watering hose in your garden. Getting the right nozzle will further help you to reach extra and difficult areas too.

4. Rake:

Rake could be built of metal, plastic, or bamboo. Metal rakes are most preferred by DIY experts for longer durability and quality. You can also choose an adjustable rake to make life easier with gardening. Rakes are one of the most essential tools for gardening especially for beginners. The purpose of buying these is to collect piles of leaves with ease and comfort. The different types of rakes are, lawn rakes, shrub rakes, hand rake, and thatch rake. 

5. Wheel barrow:

Wheel barrows are essential if you have unwanted soil that needs to be moved around from your garden. These come handy to settle compost in the garden bed areas. There are some maintenance tips that need to be followed if you go for a traditional wheel barrow. You may find the basic tips along with the product or you can check these online. Choose a wheelbarrow that you can easily move especially after loading it.

Few other tools that come handy for gardening beginners as suggested by DIY experts are watering can, watering wand, Hoe, garden fork, Loppers, and some small tools. Hope you are all set to settle the beauty of your garden with these cost saving tools. 

 Guest Contributor, Maninder Singh

How to Reduce Hazardous Waste at Home

How to Reduce Hazardous Waste at Home

Products that we use daily in our homes can be harmful to both our health and the environment. Direct contact with some of these chemicals can cause irritation of the eyes, skin, throat, or nasal channels. Some of them may even cause headaches and nausea. On the other hand, some household chemicals can impact the natural environment unless properly disposed of as hazardous waste. Dumped into kitchen or bathroom drains, they can pollute water supplies and harm marine ecosystems. Here are some ways of dealing with hazardous waste in your home.

Reduce the use of cleaners

Many drain cleaner formulas contain sulphuric acid, while oven cleaners are known to contain potassium hydroxide. Both chemicals are highly corrosive and cause irritation of eyes and mucoid membranes. Cleaners that contain grease-removing chemicals such as petroleum distillates can damage lungs if inhaled. To reduce your exposure to these chemicals, use products made of natural ingredients whenever possible. For example, a mixture of baking soda can be used for cleaning drains, while lemon and vinegar are great from removing limescale.

Avoid pesticides

Pesticides are formulated to be deadly to insects, rodents, weed, and fungus, but some of them are potent enough to be harmful to other living organisms, such as pets and their owners. Instead of spraying pesticides, try to find alternative ways of pest control, such as using natural grade diatomaceousearth for getting rid of bugs, pulling weeds by hand, or using mulch, and using covers to keep flying insects at bay. Recently, the use of beneficial nematodes, microscopic parasites, has been reported highly successful in garden bug control.

Remove contaminants professionally

Building sites, repurposed lots, and heavily cultivated soil sometimes contain contaminants that seem impossible to remove by their owners. Derelict homes are especially challenging as contaminants, such as asbestos, are often difficult to isolate from demolition debris and recyclable waste. Before you give up on the location, give these experienced demolition contractors a call. With more than 20 years of experience in providing remedial services, they can make your site clean and legally compliant again.

Check the laundry detergents

Many household laundry detergents contain ingredients that have nonylphenol ethoxylates (NPEs) as by-products.These organic compounds are identified as one of the major threats to marine life. NPEs have been discovered to mimic hormone strings and disrupt the endocrine system in sea organism. They don’t decompose naturally, and in reaction with sewage bacteria, become even more toxic. Fortunately, companies such as Cintas and P&G offer many NPE-free detergent brands.

Be careful with motor oil

Almost all car fluids, from antifreeze and AC coolant fluid to motor oil and petrol, can be extremely dangerous if disposed of irresponsibly. Motor oil and antifreeze contain heavy metals such as lead and cadmium that can be potentially very hazardous, contaminating water supplies and poisoning aquatic organisms. Instead of contributing to the pollution, contact your local environmental agency or sanitation department and inquire about available disposal and recycling procedures for automotive liquids.

Recycle power-saving bulbs

Although LED bulbs have become a standard for energy-efficient lighting, there are still many compact fluorescent lights (CFLs) being sold and installed. Although the amounts of mercury used in those bulbs have been reduced due to more stringent laws, more than 670 million mercury-vapour light bulbs are thrown out only in the US every year. Most of them end up in a landfill or being incinerated, despite environmental expert’s warnings that recycling is the only sustainable way of disposing of mercury products.

Our homes often contain corrosive, flammable, chemically unstable, or toxic chemicals. Found in cleaning products, automotive fluids, and even the light bulbs, these materials shouldn't be disposed of with regular waste. Apart from recycling and using local safe disposal programmes, the only way to limit exposure and adverse environmental impact of those chemicals is to reduce their use to a minimum.

Guest Contributors, Lillian Connors

Most Popular Landscaping Trends for 2019

Most Popular Landscaping Trends for 2019

Whether you have a front yard or a back yard – or even both! – you surely understand why taking care of your outdoor space is so vital. This is where you can spend time with your friends and family, organizing parties and enjoying fresh air, and if you put your mind to it and aren’t afraid to invest some money, you’ll be able to keep doing that all year long. However, you first need to come up with an effective landscaping schedule that will keep your exterior cool and appealing. In order to do that, you need to learn a few of the newest trends, so here are some of the hottest landscaping ideas out there.

Pavers and greenery

Getting from point A to point B in your backyard might not always be the easiest thing in the world, especially if you’re trying to protect your grass and keep it fresh for as long as possible. That’s why people all around the world, from Australia to South America, use an easy yet highly effective trick and equip their backyard with pavers and stepping stones. But, if you really want to be trendy, you need to arrange some grass around your pavers or opt for those helpful grass block pavers that really go a long way. This solution is simple, affordable, practical, easy to install, and even easier to maintain, so get as many of these block pavers as you need right away!

Add a water feature

Every outdoor space needs a focal point, and water features are among the most effective and visually appealing focal points in the world. It doesn’t really matter if you opt for a fountain, a waterfall, or a pond – as long as it looks nice and attracts attention, you’re good to go! Keep in mind that all of these ideas need some proper maintenance, so don’t forget to do that regularly, and you’ll be able to enjoy your water feature in the decades to come as well.

Build a pool

Now, if you’re a big fan of water features, none of the ideas mentioned above is going to work for you, but you can always build yourself a proper pool in your backyard. This is one of the best ways to give your exterior area even more purpose and show it the love it deserves, but also do something good for yourself, especially if you’re living in a hot region with lots of sunny days. This is an idea people in Australia use quite a lot, which is why they aren’t afraid to talk to those experienced pool builders from Sydney and let them work their magic. You’re going to end up with a brand new pool before you know it, and your backyard will start looking better than ever straight away!

A corner for gardening

You don’t have to be the biggest fan of cooking in the world to understand why having a tiny garden in a corner of your backyard is so vital. Here, you can grow all those delicious herbs and vegetables you can use in your cooking, but you’ll also give your outdoor space an exciting new feature. Starting a herb garden isn’t as hard as it sounds, and you just need to invest some time and patience – and the results you’re going to get in just a few months are amazing and will surely make your backyard quite special.

Taking care of your garden and showing it some love doesn’t have to be too hard or time-consuming, but you need to stay consistent – come up with a schedule and stick to it week after week, and there’s nothing to worry about!

Guest Contributor, Diana Smith

Decorating with Rugs: the Essentials

Decorating with Rugs: the Essentials

When a room starts to appear dull and boring, replacing a rug might solve the problem. Even though most people see it just as an accessory, the right rug can change the entire feel of the room and set the foundation of the entire design. By playing with its colour, pattern, shape and size, you can add more interest and vibrancy to your space and use the rug to visually tie together various elements, give it a stronger definition and add more warmth and style. Here are several different ways to decorate a room with rugs.

Make Sure to Get the Right Size

It might be tricky to determine the right rug size for your room since in this case, bigger isn’t necessarily better. A rug that is too big can swallow the room and take away from the beauty of your hardwood flooring, and a tiny rug can chop up a room and make it seem disconnected.

The general tip is to pick a rug that is 3 feet smaller in length and width than your room. These bare edges will make the room seem bigger. Dining room rugs should be at least 24 inches wider than the edge of your dining table so the back legs of chairs can stay on the rug even when pulled out to allow your guest to sit. As for runners, they should be about 4 inches narrower and 18 to 24 inches shorter than your hallway, but large enough to have both of your feet on the rug as you pass through.

Use Rugs to Define Areas

Rugs can be a very effective tool in defining spaces, both small studio apartments and large rooms equally well. In smaller spaces, leave a narrow strip of the floor visible to make the room appear bigger and brighter, and in larger rooms, experts’ advice is to have the front legs of your furniture on the rug and the back legs off. It unifies the area without cutting it off form the rest of the room.

You can also use the rug as a focal point and make a strong impact. The trick is to create a contrast by painting your walls in one of the rug accent colours. And, don't think that a rug has to be a rectangle. Sometimes a square, round or oval shape can complement your furniture arrangement better than a classic rectangular one.

Set up a colour scheme

Your rug of choice can be used to set the basis of your colour scheme, or if you introduce it later, it can emphasise and tie in your existing colour scheme. You can use a rug can visually soften the room or add more accent. Bear in mind that achieving balance is the point of good design, so don’t overdo it. If your walls are soft and neutral, go with a bold coloured rug, and vice versa.

Choosing among so many different colours and patterns can be overwhelming, so you might decide to buy your rugs onlinesince there you will usually have a much bigger choice of rugs and more affordable prices. 

Achieve harmony and variety

Rugs add a touch of playfulness and variety to a room, but you need to be careful how you size and position them. If you’re planning on using two rugs, variety will be achieved with different sized rugs. Otherwise, the room will be visually cutin two.

Make sure the two rugs complement each other in style or the final result will be awkward and unpleasant. Too many different styles and patterns will disrupt the harmony. 

Use rugs as decorative tools

Rugs can be great decorative tools if used correctly. For instance, by changing both your pillows and rugs with the changing of seasons, you'll easily transform the room and make it appear trendy and fresh. And if you hang your rug on the wall, you'll have an original focal point.

The bottom line is that anything can work, it all depends on what you find most appealing and what can create the best effect in your home.

Guest Contributor, Lillian Connors

9 TIPS TO BUYING A COUCH

9 TIPS TO BUYING A COUCH

The furniture is featured in the room. When it comes to choosing yours, pay attention to the details. So you avoid unpleasant surprises in the future. If you want to know more tips based on buying a couch, then Sishawa will help you at their best.

1. Do not get carried away by the appearance of the fabric. Good sofa needs to have firm structure and quality foam . The problem is that in the store, we can not see these internal elements.

2. Speaking of foam: The densities of the seat, backrest arms and cushions should be different , as the fatigue is not the same. The seller does not know how to report this? Be suspicious.

3. When the sofa is new, everything looks perfect. But how will it be after a year of use? Before you get a headache, look for companies that offer warranty and, if possible, technical assistance .

4. The difference between a couch to play and a sofa to the living room is the depth of the seat . Want to relax, sleep, watch movies? Sofa deep. Need something more formal like, for example, a waiting room? Lean seat.

5. There is a trick to knowing if the sofa is comfortable specifically for you. Sit on it with your legs crossed one over the other, like "Indian leg" . If you fit in the seat without your knees being out, the piece passed the test.

6. Are there children and pets in your home? Choose models with washable covers. The cotton, linen and twill are the most suitable. Just remember that they should be pre-shrunk. Dark coats disguise dirt better, but fade more. Light-colored coats resist better washing.

7. In the doubt between reforming the old sofa and buying a new one? What it commands is the quality of the structure . Ask the opinion of good upholsterers before disposing of an antique furniture.

8. Sofas of distinct models in the same environment work superbem. If they are from very different times - one more modern, another vintage, for example - better still. Do not be afraid to mix .

9. If you are buying a pouf to support your feet, choose a model of the same height as the sofa seat . The piece will support a tray and also as an extra seat when you need it

Guest Contributor, Sherry K

4 Effective Tips On Turning Your Basement Into A Chic Home Office

4 Effective Tips on Turning Your Basement into a Chic Home Office

The basement has the potential to become the favorite room in your household, instead of forever being that odd damp place you visit occasionally to check the water heater and if the mold is under control. Particularly, your basement has the potential to become the home office you always dreamed of, and skyrocket your at-home career in the process.

The possibilities here are endless, as you will be working with a blank canvas of sorts, a space where you are yet to bring a unique, personal setting to life. With that in mind, let’s take a look at the four key tips that will help you transform your basement into an elegant home office you won’t want to leave.

Inspect the space and make a detailed plan

First things first, you need to establish a foundation for your project based on meticulous research. You will need to conduct a thorough inspection of the available space, and most importantly, determine if there are any hazardous materials or air particles residing here. Typically, this will be mold, but you could also encounter asbestos from cracked walls if your house is old, so be sure to bring in a professional inspector such as Wise Asbestos & Mold Removal.

Next, you will need to brainstorm the layout of your office. Keep in mind that this is not simply a space where you will work – this is a space where you will spend the majority of your day, so it needs to be functional, inspirational, and fully optimized for top productivity.

Make it functional first

When it comes to layouts, there are three key areas you need to consider: the main work and lounge area, the bathroom, and the kitchen. Consider this office space as you would any other, and remember that these auxiliary spaces will prove vital for your productivity throughout the day.

Particularly, you shouldn’t have to go upstairs every time you need to go to the bathroom, so focus on allocating enough space for a small restroom, making sure to introduce the necessary plumbing features. Additionally, consider adding a small kitchen area or even just a mini-fridge to avoid lengthy trips upstairs in the middle of your work.

Pay special attention to lighting

The basement is an inherently dark place, so one of your priorities should be to illuminate the entire area for top productivity and day-long zeal. The basement-office trend has grown widely popular with Australian homeowners, so take note.

In the Land Down Under, homeowners will plan their lighting scheme with the help of an experienced level 2 electrician in Sydney and other remote-work hubs around the country, in order to light the room for minimal eye and mental strain. In the absence of adequate natural lighting, nailing your artificial lighting scheme should be your no.1 priority as well, so be sure to let your electrician in on the project early on.

Introduce your personal flair and brand

Designing a home office is a wonderful opportunity to make the space an extension of your personality, and a setting where your brand’s colors and stories can come to life. To that end, you want to choose a color scheme that will influence your mindset in a positive way, and introduce various decor elements on your desk, the shelves, and the walls that will speak to your heart and mind.

However, refrain from cluttering the space too much, as physical clutter can quickly become emotional stress. Stick with a couple of personal belongings on your desk, add vibrant artwork on the walls to give the room a sense of class, and allocate the rest of the space to storage – you are going to need it.

Transforming a basement into a home office is a unique project that requires careful planning, as there is plenty that can go wrong along the way. With these tips in mind, though, you will have no problem designing a basement office that is clutter free, functional, elegant, and a natural extension of your true self.

Guest Contributor, Chloe Taylor

Tips For Preventing Mold In Your Home

Tips For Preventing Mold In Your Home

If your home is prone to damp and condensation, there’s a good chance that you also have a mold problem. While mold is unsightly it can also be damaging too. Not only to your home, where it can rot and damage the structures, but also to your health. Mold is known to cause respiratory problems, asthma and allergic reactions, none of which are pleasant to live with and, in the case of those with a compromised immune system, could actually be dangerous.

Mold spores easily spread and are hard to get rid of, so preventing its growth in your home couldn’t be more important. Since mold can grow all over your home – on your flooring, your walls, your basement and ceiling – you need to be vigilant at all times.

If you’re worried about mold, here are some top tips to help prevent it from taking hold in your home.

1. Identify The Problem Zones

It’s impossible to fully mold-proof any property, but it is possible to make it more mold-resistant. Go around your home carrying out a full audit of all the problem zones. Do you have issues with flooding in your basement? Is there condensation on your windows? Do you have water stains on your ceiling from a leak? Take steps to address those problem areas. Rip up the carpet in your damp basement. Install mold-resistant products. Repair damaged guttering. Waterproof your basement. This is the first step to getting rid of the problem.

2. Dry Any Wet Areas

Mold is unable to grow if there’s no moisture so make sure you dry any wet areas immediately you notice them. If there has been a flood after rainfall, leaking from a pipe or just a spill on your carpet, drying it within the first 48 hours is vital. Remove any water damaged furniture, bedding and carpets following a flood if it’s impossible to dry them completely. Also, don’t leave any wet items around your home and wipe down walls and flows following showers and bathing. Avoid leaving wet clothing in your washing machine too – hang them outdoors to dry.

3. Have Proper Ventilation

Whenever you bathe, shower, do laundry or cook food, make sure there is sufficient ventilation in the rooms you’re using. Vent any appliance which produces moisture to the outside and also ways use a dehumidifier as this will also help to solve your mold problems.

4. Use Mold-Resistant Products

Whether you’re building a brand new property or renovating your existing one, choose mold-resistant Sheetrock and drywall as well as paints with mold-inhibitors built in. This will guard against problems developing in the first place.

5. Monitor Your Indoor Humidity

You should maintain an indoor humidity level of 30-60%. This can be measured with a moisture meter that you can buy at any hardware store. Look also for any signs that your rooms are too humid. Condensation on walls, pipes and windows is a sign that you need to address the moisture source.

6. Direct Any Water Away From Your Property

If the area surrounding your property isn’t sloped sufficiently away from its foundations, you may find rainwater collects there and can seep into the basement. Call in professionals if necessary to adjust the ground so this no longer happens. Also repair your roof gutters if they are damaged or clean them out if they are blocked.

7. Keep Mold Away From Your Plants

Having plants inside your home is a great way to keep the indoor air clean and fresh, however they can also attract mold. The soil used for potting indoor plants is moist and helps mold to breed and thrive. It can then spread around your home exacerbating your mold problem. Luckily, you don’t have to throw away your plants. Instead, add Taheebo tea to your plants’ water and this will help to guard against mold naturally without chemicals.

Wherever you live, your region will respond different to moisture and there isn’t a single solution to preventing mold. However, if you follow these steps, you’ll find your home is better protected than ever before.

Guest Contributor, Emma Parker

How Your Garage Became So Cluttered

How Your Garage Became So Cluttered

To understand how the garage came to play such a significant role in the average American acquisition, it’s easier if you have a bit of background on how architecture and the building industry affected the placement and use of the garage.

Housing developments

The first carriage houses and later, garages, were built behind the home. When housing developments became popular in the seventies and eighties, the architecture of homes changed to streamline traffic. The family garage was relocated to the front of the home and attached to the house. The average family now uses the automatic garage door as a primary means of entering their home rather than the front or back door.

Ebb and flow

Today, the garage door is also often the most significant architectural element in the front of many homes. For this reason, a new garage door can transform the look of a home. At the same time, the ease with which we enter and depart from our homes via the garage has given us the opportunity to use the garage as a holding area of sorts. Most of our purchases enter through the garage via the family car.

Much of our garbage exits through the garage door when we take out the trash cans. If items are too good to throw away but not good enough to keep in the home, they often become stuck in a holding pattern. After all, a garage isn’t a room in the house where cleanliness and comfort are required. As a result, we often allow the space to become so cluttered it becomes a safety hazard. We’ve all managed to trip over a bicycle or carelessly placed box at some point. Also, the automatic garage door can break, or its function is threatened if overstacked boxes or other items fall on the mechanisms.

Storage

As the middle class expanded, advertising told people to buy more stuff.  Even if you already had a coat, for example, advertising reminded us that the styles had changed and for a relatively reasonable price, you could own a brand-new stylish one. Since the old coat wasn’t worn out, you kept that one, too. Soon, we all had a mountain of old outerwear, dishes, knick-knacks, and kitchen appliances. It seemed reasonable to store the old stuff in the garage until the next garage sale, drop-off at the thrift store, until someone needed it, or until some mishap befell the new one.

Municipalities and HOA’s have added to the temptation to store items in the garage because many of these governing entities stopped issuing permits for sheds and other structures, or banned them altogether.

Hobbies and sports

Since the middle class is no longer required to work long hours to keep families from starving, there are new opportunities for leisure activities such as hobbies and sports activities. The tools and equipment from these activities are often stored in the garage as a matter of convenience.

Looking forward

In light of our new understanding of how the garage came to be a kind of private loading dock, we no longer have to be victims of an architectural decision from years ago. By rethinking the garage as a living space specifically for the car will help us become more respectful of the area.

Just as warehouses use floor tape to designate areas which are to remain clear at all times, a family can create a mental ‘safe zone’ in their garage, one in which walkways are clear, and boxes or other items aren’t abandoned: they ’re either appropriately stored or hauled away. If the project is overwhelming, asking for help is reasonable. Garage storage units can also be helpful.

Guest Contributor, Danny Cappello

About the author: Danny Cappello is a co-founder of Quick Response Garage Doors and Quick Response Garage Cabinets. When not busy with work Danny enjoys playing tennis, and spending time with his family.

5 Tips Organize Your KitcheN

If you want to function in the kitchen then the only way is to keep it organized. Nothing is worse than having to work in a messy, disorganized kitchen with bits and bobs laying all over the place.

Not only is it difficult to cook in a messy kitchen, but it is also challenging to find things. So, to avoid all this, it is crucial that the kitchen is kept tidy and organized at all times. 

Keeping all this in mind, we have created the top five tips to help you to keep your kitchen fully organized and neat. Let's go and take a look at it. 

Use of transparent jars for the junk drawers

We are all familiar with that drawer in the kitchen that holds all kinds of necessary junk items. This drawer holds the things that come in handy but is so messy to the point that it is a quest to find anything in there when you really need it. 

Here is an idea, bring some small transparent jars with lids and fill each of them up with all the similar category items and then sort them out in the drawer.

This trick will help you to save a  lot of space inside the drawer and also make room for other items. Plus, you will be able to find things more easily around the kitchen. 

Sort the cutting boards in a magazine holder

Have cutting boards laying aimlessly on the kitchen counter and taking up all the space and messing things up? Well, worry no more, as we know just what you should do. 

It is not a great look for the kitchen counter when you just let your cutting boards lay anywhere haphazardly. Plus, this eats up a lot of workspace in the kitchen. 

So, what you have to do is, bring in a magazine holder and put all of your slicing or cutting boards in that. Magazine holders can easily hold your cutting boards and give your kitchen an organized look plus make a lot of space for you to work in. 

Keep measuring spoons in a transparent jar near the stove

This is a great tip that will not only organize the kitchen but will also help you to access the measuring spoons easily whenever you need it as you won't have to waste time finding them as all you measuring spoons will be stacked in one single place. 

Well not just that, it looks really good when you keep the spoons in the jar and adds a dainty touch to the kitchen. 

Use hooks around the kitchen to hang accessories and other useful items

Using hooks that can be stuck with the walls around the kitchen is a great way to clean up a disorganized kitchen. 

You can hang pots and large spoons or other items in these hooks instead of letting them sit idly in the kitchen top blocking space.

Store all your small spice jars in a large cake pan

This is one of our favorite tricks, to keep the kitchen organized and also to ease up the work around the kitchen while cooking. 

Keeping spice jars in a single cake pan will not only organize the kitchen but will also help you cook as all the spices you need will be stacked in one single place. 

Conclusion

Nothing feels better than working in an organized kitchen. The above tips will allow you to make more space and store more useful items.

Plus a clean and tidy kitchen is much more fun to work in as you can easily grab the things you need without wasting time to find them from a pile of objects.

Guest Contributor, Carl Nevins

An Introduction To Renters Insurance Coverage

An Introduction to Renters Insurance Coverage

Renters insurance is an extremely affordable way for tenants to keep their belongings safe, with the average premium totaling less than $150 per year. Yet under 40% of all renters are insured, in large part because of a lack of awareness among tenants about the benefits of renters insurance.

It’s impossible to predict when an emergency situation will strike, and the best way to prepare for the unexpected is to stay insured. Understanding the benefits and coverage of a renters insurance policy will allow you to make an informed decision about acquiring coverage.

How Does Renters Insurance Work?

Since relatively few people purchase renters insurance, there are some common misunderstandings regarding what exactly is covered under a typical policy. Some tenants assume that they’re automatically protected under their landlord’s insurance, but the truth is that you need your own policy to be covered in case your possessions are damaged or stolen.

Many tenants wonder if renters insurance covers water damage, bedbugs, and other unexpected occurrences. While there are some important differences in the fine print of many policies, a typical renters insurance plan provides coverage up to a certain limit in case of weather events such as rain, wind, fire, and hail. That said, more extreme conditions like earthquakes and floods will generally require additional coverage, so it’s important to make sure you’re protected if you live in a vulnerable region.

Your policy will also pay for temporary relocation in case your apartment is no longer habitable, a responsibility that may or may not be picked up by your landlord. The price of a few coffees each month is well worth the peace of mind that comes from knowing you’ll be kept on your feet no matter what happens.

Exceptions to Renters Insurance Coverage

While renters insurance provides critical protection for a number of costly situations, there are some things that most policies won’t cover. The first two examples are earthquakes and flooding, which many insurance companies offer as a separate policy. 

Under a standard renters insurance policy, you won’t be compensated for any damage done to extremely valuable or rare items such as jewelry and fine art. The most common insurance limit is $100,000, but you’ll likely still need to purchase additional insurance if you want these items covered.

Other common situations tenants often find themselves in, like losing a phone or having a pet cause damage, are not covered under renters insurance. Your protection also won’t apply to anyone else living in the apartment unless they purchase their own coverage.

Renters insurance is a low-cost, reliable method of keeping your belongings safe and ensuring you’ll have a place to stay even in a worst-case scenario. For less than a dollar a day, you can cover all the possessions in your apartment from loss or damage resulting from anything from fire to theft.

Guest Contributor, Armand Levitz