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3-Step Downsizing Plan

1. Make a plan

Take a trip to your new place and measure the size of your rooms and storage areas. This will be your guide for how much you can take with you. It is better to underestimate than overestimate. As you’re deciding what to keep and what to get rid of, do one room at a time. Moving is a big job, and you don’t need to tackle it all at once. Plan to do a little bit each day and leave extra time so you aren’t rushed. Decide on your furniture first. Going from big to small will give you a better idea how much space you have left to fill. You don’t want to have to reshuffle everything if you can’t take that bookshelf with you.

2. Sort your belongings

Will you use it? It’s easy to convince yourself you might still wear that 10-year-old shirt with the tags still on someday. But if you haven’t used it in the past year, it’s likely you never will. Also, get rid of multiples. Do you have multiple coffee pots, or several sets of china? If you can only use one at a time, you don’t need to keep both. As you sort, follow a strict yes/no policy —no “maybes” allowed. Make a “yes” pile and a “no” pile, and force yourself to choose. If you aren’t convinced the item deserves a yes, then it’s a no. “Maybe” piles just mean more work for you later.

Decide how to divide up your “no” pile. You may not want or need these items anymore, but they’re probably useful to someone else. Special items may be handed down to friends or family members. Furniture, housewares, clothing, and other items in good condition could be sold at a garage sale or on sites like Facebook Marketplace or Craigslist. Or you can choose to donate reusable items to organizations like Goodwill, who sometimes offer neighborhood or even residential pickups, making your task that much simpler. Anything damaged or worn beyond repair should make its way to the recycling bin or a trip to the dump.

3. Preserve memories

Digitize photos to save space and easily share them with family. Photo albums take up a lot of room, and how often do you actually go through them? Pick up a digital frame and enjoy all of your photos in a rotating slideshow or create a slideshow screensaver for your TV or computer. Take photos of items that bring up good memories, but you no longer have room for. You can look back on the memories without actually keeping the items. To make sure those treasured items are in good hands, pass them on to your children, grandchildren, or close friends. They will love the gift, and you get to enjoy seeing the items being used. Another strategy is to give keepsakes a new life. If you love to craft, items like old movie stubs, letters and photos are perfect for scrapbooking, letting you create a record of your experiences. Or make three-dimensional pieces of art using shadow boxes. Gathering up your memories in one place will make them easier than ever to enjoy.

Downsizing is an emotional process. You will discover items you haven’t seen in years, and you will have to decide what to do with them. Give yourself some time to reminisce, and then make a decision. Keep in mind your space limitations. Take with you what is truly valuable — only you can decide what you can’t do without. Just imagine: Once you’ve finished your move, you’ll be able to enjoy your new place surrounded by the feeling of home.

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Bathrooms of Wonder: How to Transform Your Powder Room

Once, it was the room that no one would show in movies or even mention in polite company—but these days, a fabulous bathroom is a prime home feature, and for many proud owners, the subject of major bragging rights. They’re luxurious! They’re high-tech and functional! They’re beautiful! Plus—and here’s the real point—today’s HGTV-savvy homeowners know that upgrading their bathroom is likely to impress buyers and boost home valuations.

Bathroom remodels now rival kitchens in popularity. The bathroom is reinforcing its place as an important room in a home. But unlike the increasingly public kitchen, the bathroom has evolved into a private haven—a tranquil space for relaxation and self-indulgence.

A spa experience in your home

Bathrooms are getaways that have the power of revitalizing and soothing body and soul. To create the feel of a spa, keep the design and features minimal, use a neutral color palette, and make sure there’s lots of natural light, he advises. Also, avoid clutter. After all, “an elegant and relaxed bathroom needs a little space.”

Indoor-outdoor flow—and we don’t mean the water

You might think that the top things you’d want in a bathroom are a reasonable degree of privacy and some good ventilation. And you wouldn’t exactly be wrong. But let’s add another factor to the list: Bathrooms that embrace their natural surroundings offer exciting design possibilities. After all, what better way to enjoy nature than showering outdoors? That is, assuming the neighbors aren’t close by. These days privacy is “not so much a matter of hiding ourselves from others, but about shielding ourselves from the outside frenzy.” As a matter of practicality, of course, floor-to-ceiling windows allow the feeling of being outside without little inconveniences like dead leaves in your freshly washed hair. Even simpler, maximize a view of a natural landscape.

Decor that could fit in the living room

When it comes to planning, design, and decorating, bathrooms are just as important (if not more) as any other room in a home. Think beyond your towel colors. The Houzz survey found that 15% of respondents put a chandelier in their master bathroom for a luxe look. Vintage fittings are a popular trend; vintage features such as Venetian mirrors and Victorian bathtubs and washbasins. For those who prefer a more contemporary style, there are streamlined fittings made of stone, marble, or even high-quality recycled plastic or translucent resin.

Technology with a gentle touch

Technology is already making its way into the bathroom, but very subtly with features such as touch-sensitive taps and toilets that fully wash, dry, and deodorize you to become more common. Already, homeowners in the Houzz survey favor making their bathrooms cozy with radiant heat flooring (26%) and towel warmers (11%). Towel warmers are an affordable indulgence that come in various designs and configurations to accommodate any possible needs. No matter what, though, high-tech features should not interfere with a quiet soak in a hot tub. No beeps or blinking lights!

Fashion that doesn’t leave function behind

At the end of the day, whether your dream bathroom resembles a spa, a Moroccan bathhouse, or, oddly enough, Mamie Eisenhower’s powder room, it has to serve your needs. Organization and accessibility are key. Make best use of the available space. A functional bathroom that looks good will still be practical and look sharp a decade later. Sure, you’ll probably change some details over the years, but invest now in organization solutions and a layout that works. It’s also smart to think long term about accessibility—the Houzz survey found that baby boomers are big on features such as grab bars and curb less showers. Bathrooms are the second costliest room in the home for renovations, experts say. So, when you’re planning your remodel, make sure you’ll end up with a bathroom you’ll love for years to come.

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WHAT TO DO WITH AN UNFINISHED BASEMENT

Although currently dimly lit and a little rough on the eyes, your unfinished basement still has a lot of potentials. With just a little love and the help of the following ideas, you can spice it up in no time and get some great use out of the space.

  1. Add a pop of color. Give your basement a whole different look without a big renovation by adding some color to space. Consider painting and sealing the floors, opening up the room by painting the rafters white or a light color, or creating a bold accent wall.
  2. Divide the space. Want to make your basement a multi-use room? Partition out the area by installing an inexpensive curtain system. This can be done either with a curtain track or a simple wire, some hooks, and curtains will suffice.
  3. Add foam mats. Whether you’d like to use the basement as a home gym to get a quick workout in or a place for the kids to play and rough house, adding some foam mats into the mix is a great and easy solution. They come in various colors and can quickly be picked up and tucked away if need be.
  4. Use a large rug. As an alternative to adding mats, find a large, eye-catching rug to be used as a focal point, and furnish the area around it.
  5. Add lighting. Basements often offer very little built-in lighting and few outlets around the room. Consider stringing café lighting across space from the rafters to give a nice ambiance and glow without any difficult electrical work.
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Home Energy Cost: The Real Deal on Big Bills That Come With a House

Home energy cost is not something people always think of when it comes to buying a house. But don’t get consumed by the details of finding and buying a house without considering the potential bills you’ll have to pay every month for heating, cooling and more.

Home energy cost considerations

Even an affordable mortgage payment could quickly tip into the pain point if your new home comes with a monthly utility outlay that you weren’t expecting. So what factors should you consider? Everything from your electric bill to your heating are part of your home energy cost.

How to do that math:

You might want to hire a professional to determine the home’s overall energy costs before committing to a down payment. Energy audits cost a few hundred dollars but could save you from countless headaches (and costs) down the line. Not only will they give you a good idea of what’s in store, they will also point you toward fixes you can install so you’re not facing the same bills as the previous owner. The federal government’s Energy.gov site has guidelines for home energy audits, and tips for a DIY version. If you don’t want to go that far, here are some specifics to consider:

Heating and cooling systems

Heating and cooling can consume 45% of a house’s energy costs. The layout of the house will be a factor in energy costs. Vents located under windows are inefficient, and some rooms may not even have vents. In colder climates, remember that heat rises. High ceilings can result in wasted energy and added heating costs every winter. In tri-level houses, the upper floors will be warmer while the ground floor will be colder.

Consider how much alterations might cost. In-floor heating can save you up to 40% of energy costs, depending on the system. To have a professional install a hot water radiant floor heating system would cost about $6 to $15 per square foot.

Get all the information available on the house’s furnace and air conditioner. Find out the seasonal energy efficiency rating (SEER) for the house’s air conditioning system. For gas furnaces, you need to know the Annual Fuel Utilization Ratio (AFUE). If the house’s heating and cooling systems are 10 to 15 years old, or have a SEER of less than eight, it may be necessary to replace them.

Appliances energy costs

Did the former owner of the house throw in some appliances as part of the package? Although this gesture may save you money in the short run, be aware that older appliances can be much less energy efficient than new ones. Inefficient appliances eat up energy and can cost you hundreds of dollars over time. Research the make and model of any used appliances and assess whether they will incur higher energy costs than if you bought new ones.

Tax credits

State and federal programs might offer tax credits or other deals, such as grants or discounts, if you replace older appliances or heating or cooling systems, like an aged boiler, with newer, more energy-efficient versions. Some localities offer free energy audits, too. It might be worth asking about such programs if you are looking at an older house. Maybe the efficiency ratings are low, but if you love the house, and there’s enough deals available that you could upgrade relatively painlessly, it might still be worth purchasing. The key here is knowing the facts so you can judge what your bank account can handle.

Infrastructure

Check features such as windows, doors, insulation and siding for efficient energy usage. You can hire a professional to use a thermal camera to see where heat escapes, or conduct a blower-door test to identify air leaks by using a large fan with an airtight skirt that blows air out the door, although those tests could prove expensive. Insulation in the attic should be thick enough to hide all of the studs. Weathering and material aging can cause problems with siding, such as cracking, rotting or cupping, so check its condition too. Leaky windows glazed with putty can be reglazed, or consider buying double-pane windows. These will run you about $600 for moderate quality or up to $800 for high quality.

Architectural features

Big homes mean bigger energy bills too, so consider size in relation to your ongoing energy bills when you look at homes. A big stairway in the entryway means a lot of wasted heat each time the front door opens. Beautiful cathedral ceilings can bump up energy bills too. Walls of windows can afford a lovely view, but the added sunlight can strain your air conditioning bills in the summer, while leaks will raise your heating costs in the winter.

Energy costs: an informed decision

Only you can decide whether a home’s energy costs are worth the selling price. Your dream home may not be so ideal if the energy bills deplete your savings. But it could be worth investing some money in upgrading the house’s systems and features.

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Need to Replace Pet-Damaged Carpet?

As a pet owner, you know that accidents happen. There are a variety of reasons why our four-legged friends do their business or act out inside the house and on the floor. Maybe they’re marking their territory, or their anxiety may be manifesting in their clawing at the carpet. However, your home is probably your biggest investment, so you want to maintain its resale value—and keep it from looking and smelling like a litter box. So, what are the best options for pet-resistant flooring that would also appeal to future buyers? Check out the expert’s top recommendations.

Hardwood

If you have your heart set on beautiful hardwood floors, you’ll be happy to know that there are a few types of hardwood that are durable enough for Fido. Real wood floors are extremely durable and designed to withstand the traffic of busy families, including man’s best friend. Your dog’s claws will be less likely to scratch harder wood varieties like oak, maple, walnut, or—one of the strongest options—bamboo. The hardness of bamboo makes it more resistant to scratches, liquids, and mess, which helps out with pet accidents. If you’re considering bamboo, be sure to get medium- to high-priced bamboo flooring since the cheaper options aren’t as sturdy or scratch-resistant.

Porcelain tile

Your delicate porcelain dinnerware may lead you to believe that this type of material is not the strongest flooring option, but the experts say otherwise. The simplest floor to maintain—not only for pets but also for spaces with heavy traffic—is porcelain tile. Porcelain tile that has a glaze on it will not absorb any hazardous bodily fluids from pets and is easy to clean. An additional note is that sweeping, vacuuming, and wiping with a damp mop is all that’s needed to keep it sparkling. And, there’s an additional benefit to porcelain: It will not absorb odors. It is also recommended to use a grout that is nonabsorbent which will prevent liquids from seeping between the tiles and provide excellent stain resistance. However, you might want to avoid porcelain tile if your pup is older and has a hard time getting around. Many dogs do not have good traction on slippery surfaces, and older dogs may get injured and not be able to walk on surfaces without some tactile grip.

Luxury vinyl tile

Vinyl, in general, has come a long way since the days of disco. Luxury vinyl tile is a great, pet-friendly option as it’s scratch- and stain-resistant. Some varieties are even waterproof. Many people choose luxury vinyl tile because it can replicate popular (but less resilient) flooring options like hardwood or marble, and it costs way less. The cleaning is quick and easy and luxury vinyl tile doesn’t stain like carpeting.

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7 Questions to Ask at an Open House That Uncover the Truth

Open houses are undeniably a fun way to fantasize over property that could be yours. Still, once you’re done staring up at those high ceilings and peeking into walk-in closets, you should also try to get beyond the surface appearance of the place and take the golden opportunity to gather some valuable information.

In case you’re stumped on what to say, here’s a list of smart questions to ask at an open house. Whether you’re querying the listing agent or the home seller who happens to be on site, these topics will help you deduce whether the place is truly right for you.

Can you tell me more about the house?

This is a great way to break the ice and get the conversation going with owners or agents on site. This may seem like a vague question, but that is the point. Pay attention to what is mentioned first, and more importantly, what is not said, which could be a weakness.

What shape is this place in? Have there been any recent improvements?

It’s good to find out what improvements have been made so that you know they won’t need to be done after you purchase the place. If you find out that something like the boiler or roof was repaired or replaced recently, then the chances of it being required again soon are small.

While there really isn’t a way of anticipating when something would break or need to be redone, it’s helpful to rule out what won’t need to be fixed immediately based on what’s been done already. More information about the condition of the building or anticipated repairs should be disclosed during the due diligence process.

Has there been a lot of interest in the property?

This is a nice way of asking how much competition you could face if you make an offer. Just keep in mind that listing agents will typically try to paint a positive picture, so it’s up to you to read between the lines.

If the listing agent says things have been slow at the property and the listing has been on the market for an extended time, this may be your opportunity to negotiate a better price. On the other hand, if the agent informs you of high interest, this may be your cue to act more quickly than you might have planned.

When are the sellers looking to close?

The two main points that are negotiated during the purchase of a property are the price and the timing of the closing. You can use this information to tailor your offer to the seller’s needs. In other words: Some sellers may need to move out ASAP if they’ve bought a new home. Or if they’re waiting for new construction to be complete, they might need to cool their heels instead. If you’re flexible on your move-in date, you can highlight this in your offer to make it stand out—and maybe even snag a better deal as a result.

How much do utilities usually run?

This question can be an important part of monthly budgeting. All buyers are anxious to know what their monthly costs will be with utilities included. Principal, interest, maintenance, and taxes are easily available, but utility estimates may only be available from the owner. This is also a good question if you’re apartment hunting, as utilities could include different things at different places.

Some buildings include things like electric and gas in the monthly common or maintenance charges, while others require owners to set up accounts with the respective providers to be billed directly through them. Sometimes buyers assume that the monthly charges listed for the unit are all-inclusive and are surprised after living in the unit for a month to receive a $300 electric bill on top of the monthly charges from the building.

How much traffic can one expect in this area?

If an open house is on a weekend, which is usually the case, a buyer cannot readily know if there is traffic during the week for commuters going to and from work. Ask if this is a street that people use to avoid traffic lights or to get to school and work. It will give you an idea of the expected noise level and safety.

What is the neighborhood like?

Buyers want a neighborhood that fits their current or perceived lifestyle. Buyers almost always ask this question at open houses. However, it’s a tricky one for agents to answer because of the Fair Housing Act, which prohibits housing discrimination based on race, religion, sex, or family/economic status. That being said, this is where it pays to listen to the subtext. If an agent says, “Well, there is a great community playground in this cul-de-sac,” then you can probably deduce that the area is more family-friendly than upscale yuppy. This one will require a little sleuthing, but ultimately, it’s worth doing some digging at an open house to make sure what you see is what you get!

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8 Tips for Achieving Maximum Coziness

As winter moves along, you may want to just hibernate until spring — and that may be more true than ever this year. But there are some simple ways to find joy in the quieter months of the year.

While the trend may have come and gone in the US, the art of hygge, that feeling of being ultra-cozy and content, is just part of everyday life in Denmark. The thing is, the Danes know how to thrive in winter. You might already know they’re the happiest people on earth, but did you know a lot of them attribute their unseasonably sunny outlook to their home- and self-care habits?

When it’s cold and rainy out, and you’ve been stuck inside for who knows how long, binging the next series on your “recommended” list might feel like the most appealing option. But if you’d like to mix things up, here are a few ideas to channel the Danes and make an intentionally delightful day out of drab weather.

 

Set the mood

Candles are a key ingredient to a supremely comfortable atmosphere. Not only do they provide beautiful, soft lighting, but they also add warmth and scent to your space.

Tip: Choose seasonal scents to inspire celebration, or choose a summery scent, such as coconut and floral, to help combat the seasonal blues.

Bake something

Comfort food is central to the cozy experience. But it doesn’t just begin when you eat the cake (or cookies or pie) — it begins when you imagine the creation. Flip through your favorite cookbooks or browse some eye-candy baking sites, choose your ingredients carefully, and mix them with care, taking your time to enjoy the task at hand. It’s just a bonus that your baking will flood your space with delicious smells — and taste good too.

Tip: Reach out to a friend or family member whose recipes deserve appreciation and ask if they could show you how to work out their spectacular skills. You can set up a video call if you’re not able to meet in person.

Add texture

Plush throws, sheepskins and cushions make for a much more inviting space. Cover your surfaces in as many luxurious fabrics and pillows as you can find and snuggle down.

Tip: Feel free to go faux, or if cost prohibits, find inexpensive alternatives.

Get out the board games

Pull your partner or kids away from their screens and gather around the table for some old-fashioned fun. Whether you go for the competitive strategy variety or laugh-out-loud social games, there are options for everyone. For the minimalists among us, even a deck of cards can offer plenty of entertainment.

Tip: Looking for remote gaming options? There are many online group gaming apps, and many people have come up with creative ways to play the classics via Zoom as well. Start up a game and maintain your connections year-round!

Perfect your hot drink game

Hot cocoa, hot coffee or tea, apple cider, mulled wine — pick your poison. Whatever it is, find your own special recipe that is so delicious you can’t wait to show it off. Host a virtual happy hour and share it with family and friends.

Tip: Why, yes, you can put whiskey in those drinks. But it’s usually a good idea to perfect a mocktail version, too, for those who don’t partake.

Embrace sweater weather

If you don’t already have a favorite sweater, it’s time to find one. It should be something that makes you feel at home when you slip it on. Cashmere, wool, mohair — anything will do. Whatever you choose pair it with thick socks!

Tip: Find some beginner books or tutorials and try your hand at knitting, crocheting or weaving, and make your own sweater over the course of the winter. Find an online knitting circle for tips and encouragement.

Curate your cold-outside playlist

Make yourself a mix of music that inspires you to do all those things that make you feel absolutely endeared to your space. Put it on shuffle, relax, repeat.

Tip: Instrumentals are classics for a reason — they can work as background for just about anything. When in doubt, most music services have pre-made playlists, some of which you can filter by mood.

Do seasonal activities

Making caramel apples? Check. Working on (or giving up on) your New Year’s resolutions? Check. Canning, puddle jumping, snowball throwing, signs-of-spring spotting? Check!

Tip: Whatever your favorite seasonal activities might be, create a plan to make them happen — put it on your calendar, set a reminder on your phone, or find an “accountability partner” (a friend or family member who will give you the nudge you need), and feel the magic of even the most blah weather wash over you.

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How Sellers Win When Housing Inventory Is Low

How Sellers Win When Housing Inventory Is Low | MyKCM

In today’s housing market, the number of homes for sale is much lower than the strong buyer demand. As a result, homeowners ready to sell have a significant advantage. Here are three ways today’s low inventory will set you up for a win when you sell this season.

1. Higher Prices

With so many more buyers in the market than homes available for sale, homebuyers are frequently getting into bidding wars for the houses they want to purchase. According to the latest data from the National Association of Realtors (NAR), homes are receiving an average of 3.7 offers in today’s market. This buyer competition drives home prices up. As a seller, this certainly works to your advantage, potentially netting you more for your house when you close the deal.

2. Greater Return on Your Investment

Rising prices mean homes are also gaining value, which increases the equity you have in your home. In the latest Homeowner Equity Insights ReportCoreLogic explains:

“In the second quarter of 2021, the average homeowner gained approximately $51,500 in equity during the past year.”

This year-over-year growth in equity gives you the ability to sell your house and then put that money toward a down payment on your next home, or to keep it as extra savings.

3. Better Terms

In a sellers’ market like we have today, you’re in the driver’s seat if you make a move. You have the power to sell on your terms, and buyers are more likely to work with you if it means they can finally land their dream home.

So, is low housing inventory a big deal?

Yes, especially if you want to sell on your terms. Moving now while inventory is so low is key to maximizing your opportunities.

Bottom Line

If you’re interested in taking advantage of the current sellers’ market, let’s connect today to determine your best move.

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Do I Need Neutral Painted Walls To Sell My Home?

“If you want to sell your home, paint your rooms beige.” That could be the rallying cry of real estate agents across the country, and for good reason. Presentation and first impressions mean everything when selling a home, and the men and women who make their living selling homes know that neutral colors will generally spark more interest from buyers than bold colors.

Human beings are sensitive to color on a deep, emotional level. This makes sense: Our earliest ancestors relied on colors to tell them if a plant was ripe or safe to eat, for example. Those deeply ingrained senses of what colors mean in nature stay with us in our cities and suburbs; we may not need to make life-and-death decisions based on the color of a strange fruit, but we still carry the emotional cues that kept our ancestors safe.

This trait can complicate things when painting a house, however. A certain hue that you think looks perfect in your living room might trigger a deep sense of discomfort in a visitor. The deeper the color you choose for your walls, the stronger effect it might have on others. Conversely, the closer your home’s colors are to pure, neutral white, the less they will emotionally affect visitors — or potential buyers.

But an all-white home can be dull, not to mention extremely hard to keep clean. With a little awareness of color theory and some creative restraint, you can have the best of both worlds: a home in which color brings out each room’s best features, and a house that’s likely to sell without requiring major repainting.

Color psychology is the study of the emotional cues prompted in humans by various colors. These can be quite strong: Bold yellow, for example, can upset small children, while light yellow is commonly used as a gender-neutral color for babies’ rooms. Blue is often associated with calmness, serenity and cold temperatures. Red, on the other hand, may symbolize excitement, love, anger, warfare or energy. These are useful traits to understand as you plan how to show off your home’s best features to potential buyers.

But how do you turn an understanding of color psychology into an attractive, sellable interior design? The process is easier than you might think.

The Power of Color

The first step in applying color theory to your home is to understand what you want each room to say. Is a bedroom used for rest and relaxation for the adults in the home, or is it a bright, happy playroom for the children? Is the kitchen a family gathering place, or is it an area where high-tech styling makes meal preparation fast and efficient? Asking questions like these will help you define moods for your rooms. Compare these moods to the emotions evoked by different colors, and you’ll quickly create a list of general hues that are most appropriate for each room of your house. Narrow your color search further by looking at the paint colors in the middle or lighter ends of these ranges, since this will help you avoid painting too much wall space with a too-bold color.

Now comes the fun part: designing your rooms with color and furnishings to capture the moods you’ve identified. There are countless factors that play into making each room right, including the furniture and decorative items, the flooring, the quality of light through the windows and your desire (and budget) to change these. In general, you can often create stunning effects by choosing one or two items to showcase with bold color, offset by neutral complementary colors in the rest of the walls and furnishings.

It helps to keep a sense of restraint when choosing color and design layouts; a bold color can quickly become overwhelming if used too much, and too many complementary colors in one room can make even sparse furnishings look busy and cluttered. Try to limit each room’s color palette to no more than three colors: a bold accent, a middle-tone that can be used to frame the accent and a more neutral color for the background, like the walls. This will ensure that, while you will be able to break free of the all-beige, neutral-color blahs, you will still have a home that has a good chance of selling without major changes.

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What Might Your Homeowners Insurance NOT Cover?

There are things that can happen to their homes that their homeowners insurance policies don’t cover. Fire is the basic coverage provided by an insurance policy, while other common perils are water damage, theft, wind and liability. Earthquake and flood usually require a separate policy. In some states you can add earthquake coverage as an endorsement. It is important to discuss the risk you face and purchase the proper coverage. Just so you’ll be forewarned, here are eight other perils, besides damage from an invading squirrel, for which you probably aren’t insured.

1. Floods

Damage caused by flooding is excluded under standard homeowners insurance policies, according to the institute’s primer on what disasters are covered by insurance. That’s why it’s prudent to obtain flood insurance, either from a private insurer or through the U.S. government’s National Flood Insurance Program.

2. Earthquakes

When a 5.8 magnitude earthquake in Virginia shook the U.S. east coast in 2011, it caused as much as $300 million in losses and varying degrees of damage to 600 residences. Many of the owners may have been chagrined to discover that their homeowners insurance didn’t cover the cost of repairing the harm to their houses. Coverage for earthquakes, which can damage foundations and collapse walls, requires a separate policy, though a standard homeowners policy generally will cover damage from fires caused by quakes, according to the institute.

3. Sewer Backups

Sewer backups can be pretty messy, and they’re not covered either by homeowners insurance policies or flood coverage, according to the institute. Instead, you’ll need to purchase additional sewer coverage.

4. Maintenance Damage

Maintenance damage. Homeowners policies don’t cover damage caused to your home by your neglect of basic maintenance, according to the institute. Similarly, you’re not covered if your house becomes infested by termites and other pests, or develops mold.

5. Backyard Trampolines and Pools

Sure, they’re fun. But according to the National Association of Insurance Commissioners, both trampolines and pools are dangerous enough that some companies may not insure your property if you have them, or else may exclude liability for any injuries related to them. They also may even cancel your policy if you don’t inform them when you get a trampoline or a pool, or don’t follow the policy’s safety guidelines.

6. Dog Attacks

If your family pet bites a visitor, you’re typically covered for legal liability up to your policy’s liability limit — usually $100,000 — according to the institute. The average dog bite claim is around $39,000, so you should be OK. But it’s a bigger problem if you own a breed with a reputation for being aggressive, because some insurance companies won’t cover you at all.

7. Really Expensive Jewelry

Typically, homeowners’ policies set a limit on how much bling they’ll cover — usually around $1,500, according to the institute’s article on jewelry and other valuables. If you’ve got a lot of costly rings or necklaces, you’ll want to consider getting a floater policy, which covers any sort of loss, including dropping your ring down a drain. That’ll require you to get the items appraised professionally.

8. Your Stuff in Someone Else’s Basement

If you’ve got a friend or neighbor who allows you to store some of your possessions in his or her basement, you could lose out in the event of a disaster, according to Amy Bach, executive director of United Policyholders, a California-based consumer advocacy group. That person’s insurer isn’t going to cover your losses, since you’re not the homeowner. “You’d have to try to collect money from your friend,” Bach says.