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As a homeowner, spotting potential upgrades throughout your home is easy. From replacing the bathroom vanity to redoing your outdoor lights, there are endless ways to give your residence a new look and feel. But depending on the remodel, home improvement projects can be a big (and costly) commitment. So what’s a homeowner to do? 

When searching for a new home improvement project, it’s best to choose a renovation that will ultimately increase the value of your home. Doing so will improve your living space and help you down the road should you decide to sell. If you’re ready for a home improvement project of your own, here are five projects that are worth taking on. 

Five Home Improvement Projects That Add Value to Your Home

Earlier this year, the National Association of Realtors (NAR) released data highlighting the top projects that homeowners saw the most significant returns on. However, because nothing is certain, it’s best to choose home improvement projects that matter most to you instead of basing your decision solely on a future resale value.

1. Hardwood Flooring 

According to the NAR, improving a home’s flooring is one of the best projects homeowners can tackle. By refinishing or installing new hardwood floors, you can quickly elevate the overall look of your home. Aside from its iconic look, hardwood flooring is also one of the most durable types of flooring one could have, making it a worthy investment. There are also a lot of attractive and affordable tile and vinyl “wood-look” flooring options.

When choosing this home improvement project, handy homeowners can save significantly by doing it themselves. If choosing the DIY route, remember to allow your hardwood flooring to acclimate in your household for at least three days. Doing so will prevent unwanted cupping or warping due to any environmental moisture.  

Estimated cost: $3 to $12 per square foot, depending on wood quality.

2. Upgrade Your Kitchen 

A kitchen is often referred to as the heart of a home, so keeping yours maintained is crucial. And if you plan to sell your home one day, having an updated kitchen could attract additional buyers.

Remodeling your kitchen can quickly become expensive, so starting small is important. Start by updating faucets, installing new cabinet handles, and updating light fixtures with energy-efficient options. Additionally, a simple repaint or stain goes a long way if your cabinets are still in good condition.  

If you have the budget, updating your kitchen’s appliances to their modern counterparts can also offer a great ROI. Of course, buyers favor move-in-ready homes with stainless steel appliances. But upgrading appliances could also influence you to spend more time in the kitchen cooking for yourself and the family.

Estimated cost: $500 to $5,000 for minor upgrades and changes. Price can significantly increase depending on the scope of the project, or for fuller remodels.

3. Paint, Paint, Paint 

Sometimes a fresh coat of paint is all that is needed to bring an old room back to life. Whether reapplying your existing paint or choosing a new in-style color, repainting will perk up a room instantly. It’s also a simple DIY project that most homeowners can easily take on without much equipment. If you’re interested in selling in the future, consider opting for a light neutral color, as they tend to have the broadest appeal. 

When repainting a room, you can also use the time to declutter. Since you’ll have to rearrange the furniture and appliances, it’s an excellent opportunity to reevaluate the space and how it is used.

Estimated cost: $2 to $6 per square foot, depending on paint quality.

4. Renovate the Bathroom 

Much like kitchen remodels, updating your bathroom is a home improvement project that will greatly pay off. And like the kitchen, minor upgrades will go a long way. For example, simply replacing your bathroom’s mirror and lighting can make a huge difference. Mix in a paint refresh and new vanity, and you’ll feel like you’re stepping into a whole new space. 

If you can take on a larger project, consider swapping your toilets and tub for their modern counterparts. Many home improvement stores may even offer installation services at an added cost. If your budget is limited, replacing old shower doors, reglazing your tub, or replacing the shower head can improve your bathroom’s feel without breaking the bank.

Estimated cost: $500 to $5,000+. Price will ultimately depend on the project’s scope.

5. Don’t Forget About Outside

Improving your property’s outdoor space can make your home feel much more inviting. Whether it’s focusing on the front yard’s landscape or adding space to relax in the backyard, outdoor improvements add major resale and comfort value to a home.

Adding outdoor furniture, potted plants, and a set of outdoor lights to the backyard is a small project that will encourage you to spend more time outdoors. For a larger project, consider adding an outdoor kitchen with a built-in grill and sink. Not only will this make your home more attractive to potential buyers, but it’ll also create a new entertainment space for you and your family to enjoy.

For the front of the house, repaint your front door and add planters or window boxes to improve your home’s curb appeal.

Estimated cost: $200 to $1,000+ for new outdoor furniture and lights. Final cost will ultimately depend on the scope of the project.

Keep Your Home Protected 

No matter what your plans are, keeping your home protected with a homeowners insurance policy is essential. A homeowners policy protects your property from life’s what-ifs. What if there’s a fire? What if a car hits your home? In these cases, your homeowners insurance will cover the cost to repair any structural damage, minus your deductible and up to your policy limit. 

Planning to upgrade your home’s appliances and systems? If so, you may want to consider adding a home warranty plan. Unlike a homeowners policy, a home warranty plan offers protection against wear and tear issues. Should a covered appliance malfunction, your home warranty plan will cover its repair or replacement. 

To learn more about homeowners insurance or home warranty plans, visit our blog, or give our insurance specialists a call at (888) 772-4247.

The information in this article is obtained from various sources and is offered for educational purposes. Furthermore, it should not replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. No warranty or appropriateness for a specific purpose is expressed or implied.

When planning to sell your used car, it can be easy to feel overwhelmed by the process. However, with proper preparation, selling a used car isn’t as complex as you may think. So, if you’re ready to put your vehicle on the market, this guide will cover the basics you need to know.

Because the steps can vary slightly depending on your state, this write-up will focus on how to sell your used car in California.

How to Sell Your Used Car in a Private Sale

Before selling your car in California, you’ll need to decide what route to take. You can either choose to sell/trade your vehicle with a dealer or to sell it privately. Opting to work with a dealership could simplify the process, but you may not get as much as you could through a private sale.

If you choose to sell your auto privately, these are the steps to take.

Step 1: Understand What Documents You’ll Need 

Prior to putting your used car on the market, it’s best to gather all the required documents that you’ll need for the sale. The following documents are required to change ownership of a vehicle in California, also known as a transfer.

Your vehicle’s title

To sell your vehicle, you’ll need to have your car’s signed title in hand. If your title is in good standing and all information is accurate, there are no additional steps required. 

However, suppose you’ve misplaced your vehicle’s title. In that case, you’ll need to fill out a REG 227 – Application for Duplicate or Transfer of Title form to replace the lost title. If there are any errors on the title, you’ll need to fix the issues using a REG 101 – Statement of Error or Erasure form.

Or, if you have a car loan, the lender may possess the title. In this case, you’ll need to pay off your loan to get the title. You may also work with the buyer to pay off the loan as part of the transaction.

DMV transfer forms

Another form you may need to fill out if the title is unavailable or insufficient is a Vehicle/Vessel Transfer and Reassignment Form, also known as a REG 262 form. This form will function as your bill of sale and required odometer disclosure. Due to security features, there is no online printable version of this form. You’ll have to request it by mail from the DMV or pick up the form in person. 

To avoid any delays in the sale, it’s best to obtain this form as soon as possible. 

As the seller, it’s essential to also fill out the Notice of Transfer and Release of Liability, or REG 138 form, within 5 days of the sale. Doing so will notify the DMV that you are no longer responsible for the vehicle or traffic infractions related to the car after the sale.

A smog certification

To sell most cars in California, you’ll need to provide a valid smog certification. To do so, you must visit a STAR smog test station. Keep in mind that smog certifications are only valid for 90 days.

Step 2: Vehicle Inspection 

It’s best practice to have your car inspected before putting it up for sale. While not required, an inspection with a licensed technician could help build trust with potential buyers. An inspection will also help you gauge your car’s value.

A buyer may request their own pre-sale inspection before finalizing the sale. If the buyer insists on using their own mechanic, ensure the inspection is at a reputable business and take your own inspection forms to compare. 

Step 3: Set a Price Point and List the Car for Sale 

After your inspection, you should have a solid understanding of your vehicle’s condition, which will make it easier for you to set a listing price. Additionally, research current prices online for similar make and models when choosing a price. Websites like Kelley Blue Book, Edmunds, Carvana and Carmax are good resources. It’s best to have an ideal price range in mind to help during potential negotiations. 

Once you have a price in mind, it’s time to post your car and find a buyer. Be sure to capture photos (interior and exterior) of your vehicle from all angles. You can choose to list your vehicle on multiple marketplaces such as Craigslist, Offerup, Facebook Marketplace, and AutoTrader.  

Step 4: Finalize Paperwork with Buyer 

Once you have a buyer, you’ll be ready to finalize the paperwork. This includes filling out the Vehicle Transfer and Reassignment form with the buyer and settling on a final sale price. If there is still a lien on the car, you’ll need to file a notarized Title Holder Release (REG 166) signed by the lienholder. 

In addition, prepare to pay a few minor fees to close the sale. According to the DMV website, associated fees may include, but are not limited to:

• Transfer fee
• Use tax (depending on county and city)
• Replacement title fee

Step 5: Submit Paperwork to DMV 

Once you and the buyer have completed all paperwork, you’ll both need to submit all documents to the DMV to officially process the sale. Keep in mind, when there’s a change in ownership, it needs to be updated in the DMV’s records within 10 days.

Don’t Forget About Auto Insurance 

As shown, more goes into selling a used car in California than simply exchanging money. Following the guidelines set by the DMV will help make the process seamless.

However, to avoid any lapse of coverage on your auto insurance, be sure to speak with an insurance specialist to review your options whenever planning on selling your car. Canceling your insurance too early could result in legal repercussions or higher rates down the line. If you don’t plan on purchasing a new car immediately, most providers may offer you a non-owners policy to prevent a lapse in coverage while in between vehicle ownership.

To learn more about your insurance options when selling a car, give our specialists a call at (888) 772-4247.

The information in this article is obtained from various sources and is offered for educational purposes. Furthermore, it should not replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. No warranty or appropriateness for a specific purpose is expressed or implied.

Whether out in the open sea or on a calm lake, boating is an activity unlike any other. And with summer officially here, there’s no better way of welcoming the season than by hitting the water with family and friends. No matter where you live, you’re likely not too far from a body of water that is boat friendly. Have a sailing itch but aren’t sure where to go? Follow this guide to learn more about five must-visit boating destinations to travel to this summer.

1. Lake Havasu, Arizona 

With over 300 days of sunshine a year, Lake Havasu should be on every summer boating destination list. Located in Mohave County alongside the California and Arizona border, Lake Havasu offers visitors over 60 miles of connected waterways to enjoy.

What makes Lake Havasu special is that it has no size or speed restrictions so you’re free to do everything from jet skiing to leisurely canoeing. And with plenty of renting options to choose from, it’s even possible to visit without a boat of your own. If renting, expect to pay anywhere from $400 to $600 per day, depending on the season.

Looking for a place to fish while the family relaxes in the water? You’re in luck! Lake Havasu is also known as one of the best fishing locations in Arizona.

2. Newport, Rhode Island 

Many consider Newport, Rhode Island as the home of all things sailing. For years, the Newport Harbor served as the port of call for the America’s Cup, an international yachting race. With its rich nautical history, it’s no surprise Newport is one of the nation’s top boating destinations.

When visiting Newport Harbor, you’ll be welcomed by the sound of seagulls while entering a village-like community filled with vibrant shops and eateries. Time your visit right and you can experience the annual Newport International Boat Show, which is put on every September. With a balanced mix of land and sea activities to choose from, Newport should be a must-visit for those that find themselves in New England.

3. Fort Lauderdale, Florida 

With over 300 miles of inland waterways, many refer to Fort Lauderdale as the Venice of America. And thanks to over 50,000 yachts that call the city home, it’s also considered the world’s yachting capital.

There’s no shortage of activities when visiting Fort Lauderdale, whether it’s snorkeling, scuba diving near coral reefs, or fishing. Choose to relax on the boat while catching dinner, or venture inland for additional activities in the Everglades. If visiting during October, be sure to check out the Fort Lauderdale International Boat Show, which is one of the largest boat shows in the world. If you’re looking for a nearby city to visit when in Fort Lauderdale, Miami is less than an hour away by boat.

4. Lake Tahoe, California 

It’s no secret that there’s endless fun available to visitors of Lake Tahoe, which makes it one of the best boating destinations. Famous for its winter adventures, the lake is also a perfect place to take your boat out on the water. With its crystal-clear waters and mesmerizing views, you’ll instantly fall in love with Lake Tahoe.

There’s no shortage of fun in the area—from kayak rentals to jet skis, Lake Tahoe has something for the whole family. To keep the waters clean, you’ll need to pay for a boat inspection pass that starts at around $60 per boat. There are also plenty of boat rental options to choose from for those looking for a relaxing weekend getaway.

5. Catalina Island, California 

If you’re looking for a place to escape the bustling cities of Southern California, consider venturing towards Catalina Island. Located just an hour’s boat ride from the coast, Catalina Island is one of the best boating destinations in California. Take your boat on a quick adventure to the island or choose to take a charter, then rent a boat there. Either way, you can’t go wrong. 

Once on the island, there are loads of family-friendly adventures to choose from, such as kayaking, sailing, snorkeling, and much more. If you’re looking for fun on land, the island also has plenty of activities to pick and choose from. 

Keep your Boat Protected with Boat Insurance 

Before making a trip out on the water, be sure that your boat is covered with the proper boat insurance. While not required by law in most states, carrying boat insurance could save you from having to pay thousands of dollars in the event of an accident.

A common misconception among many boat owners is that their homeowners insurance also covers their boat. While a homeowners insurance policy may provide some protection for a smaller boat while on your property, it may only offer minimal protection out on the water depending on the size of your boat. To learn more about insuring your boat, give our insurance specialists a call at (888) 772-4247.

The information in this article is obtained from various sources and is offered for educational purposes. Furthermore, it should not replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. No warranty or appropriateness for a specific purpose is expressed or implied.