Laura Labor-Aparicio
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When purchasing a new home, it’s important to do in-depth research on all facets of the homebuying process. One thing you’ll need to understand is how to best protect yourself and your investment if anything were to go wrong. Check out the information on home insurance versus home warranty below to educate yourself on your options.

Home Insurance

Homeowners insurance pays for any accidental damages and loss that are caused by fire, lightning strikes, windstorms, and hail, however, damage from earthquakes and floods is typically not covered. It also covers the replacement of personal property in case of theft or damage and liability if a person were to get injured in your home or on your property. According to American Home Shield, the average annual cost of a homeowner's insurance policy ranges between $300 and $1,000, and the bank usually asks you to obtain a policy before the mortgage is issued. Make sure to keep in mind that each type of coverage in the policy is subject to a limit and, in most cases, you will have to pay a deductible.

Home Warranty

A home warranty is designed to cover the cost of repairs and replacements of larger appliances and crucial systems in your home that may fail or break due to age and wear and tear. This includes but isn’t limited to HVAC, electrical, or plumbing components, kitchen appliances, and your washer and dryer. With a home warranty, you are required to pay premiums year-round, even if you do not use it, and it won’t cover damages if appliances were not maintained properly or if the damage is from a fire or other disaster.
 






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New Holiday Traditions You Can Try This Year 

Holiday Traditions

No matter what you celebrate during the holiday season, there’s no denying that traditions are an essential part of the annual festivities! While decorating the tree or hosting a cookie decorating contest may seem trivial, holiday traditions play an important role in creating memories and can even help connect us to our history. 

Even though we often think of holiday traditions as pre-established rituals that are formed over a long period of time, it’s never too late to create a few new ones, from helping people in your community to wearing matching footie pajamas during a festive movie marathon.  

7 New Holiday Traditions to Start This Year 

  1. Invite someone new to your holiday dinner. Whether it's a friend who is staying in town this year or someone who lives next door, open your home to others who may otherwise be spending the holiday alone. This is a great way to spread kindness throughout the holiday season and to bring people together to share a delicious homecooked meal! 
  2. Hold a snowman building contest. If you happen to live somewhere where it snows during the holiday season, take advantage of the fluff and host a snowman building contest! Tackle your snow sculptures alone or work in groups to craft the perfect snowperson— hat, scarf, carrot nose and all.
  3. Donate clothes or food to those in need. We love a holiday tradition that lets us give back to our communities! During the holiday season, gather any gently used clothing and canned goods to donate to local shelters and charity drives.  
  4. Drive around to see holiday lights. Make some hot chocolate to go, bundle up, and hit the town to see the holiday lights! Your mini road trip can be contained within a few blocks of your home, or you can use this as a chance to explore a new part of town.  
  5. Host a book swap. This extra time at home is the perfect opportunity to do some end-of-the-year reading! Gather friends or family members and have everyone bring a book they love. Then, swap books with another person and keep in touch to share your thoughts once you’ve finished reading.  
  6. Wear matching festive pajamas. Have everyone dress up in matching holiday pajamas—yes, even the adults. This easy (and cozy) tradition is perfect for holiday movie marathons or opening presents right after you wake up in the morning!
  7. Do a gift scavenger hunt. Instead of the usual mad present opening dash, consider drawing out the gift opening process with a scavenger hunt. Strategically hide presents around your home and use riddles to help guide the children, teens, and even adults to their gifts’ hiding places.  
Homeowner Tip

The Ultimate End of the Year Home Maintenance Checklist 

Home Checklist

With the end of 2021 just around the corner, it is officially crunch time! Once the holidays are over and your guests have said goodbye, it’s the perfect time to give your home a little love before 2022 begins.  

From tackling any forgotten home projects to preparing for the new year ahead, there are several things you can (and should!) do before the year is officially over. That way you can start 2022 with a clean slate—and a clean home. 

Home Projects You Can Tackle to Prepare Your Home for the New Year: 

  • Organize and put away your holiday decorations
  • Change the batteries in your smoke and carbon monoxide detectors
  • Clean your shower curtains to get rid of mildew and mold buildup
  • Change your furnace filter
  • Restock your first aid kits
  • Add security or doorbell cameras to your porch
  • Wash guest linens and deep clean guest bedrooms
  • Clean your oven
  • Declutter your closets and donate gently used clothes to a local thrift store
  • Steam clean your carpets
  • Wash your curtains
  • Touch up any chipped paint throughout your home
  • Change out any burned-out light bulbs
  • Sweep and organize your garage
  • Clean your sump pump
  • Vacuum your air ducts
  • Organize your junk drawer 
     

Happy New Year! 

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Laura Labor Aparicio
Realtor | License #01217016
(626) 422-6668
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626-422-6668
Realtor@LauraLabor.com

DRE# 01217016

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