In our last blog, we talked about some key mistakes that new homeowners can make but are easily avoided. In this article, we’re going to shed some light on the things that every new homeowner should prioritize when they move in. The house honeymoon phase is expected, but don’t let the important things go. Most importantly, ensure your NY Home Insurance policy equips you with adequate coverage limits.
Ask for references from your realtor.
If they’ve been selling homes for a while, they likely have some contacts who they trust and work with regularly. From contractors to plumbers and beyond, utilize your real estate agent’s resources to help you get things done right around your home.
Don’t throw away your receipts.
Make a folder, get a notebook, and keep receipts for everything. You might be surprised at what’s tax-deductible. Claiming the space for your home office isn’t big news, but don’t forget all the pieces that go with the home office. “Whether that’s an alarm, maid service, cost of electricity … all of those things can be prorated to account for the home-office deduction,” says Kelly Phillips Erb, founder of Taxgirl.com. Erb also suggests looking into deductible home mortgage interest as well as the property taxes paid at closing. “I think that gets missed a lot,” she says. And definitely keep track of all those home improvements. You could get tax breaks for these down the road, she explains to Trulia.
Live in your home for a while before making changes.
Determine how the light hits the walls and how it looks throughout the day before committing to a new paint color. The type of lightbulbs you use and the placement of lighting can change the look of the room, as well. So, before throwing a new coat of paint on the walls, take your time to see what would look best in the space.
Vacuum the vents.
This is a great way to start off living in your home. Vacuum the vents and attachments before turning the air or heat on. This way, you’ll prevent dust and grime from blowing into your home and using up your air filter quicker than necessary.
Get your pet comfortable with his new surroundings.
New homes can be stressful for your dog, which is why walking him around the block, meeting neighbors and meeting other dogs can be a great way to get him acclimated. Introduce yourself and your pets to your neighbors and get to know them. Your dog will get used to his new surroundings and you can meet the people on your block. It’s a win-win!
About The Rubin Group
Based in New York, The Rubin Group provides insurance in most of the 50 states. Our full-service insurance brokerage provides insurance and risk management services to individuals in all income brackets and businesses of all sizes and types. We understand that every client has unique coverage requirements, and we are passionate about providing the ideal individualized coverage for each customer. Each member of our team takes the time to truly understand your situation, the particular risks you anticipate – and the very real risks you’ve not yet contemplated. For all of your insurance needs, contact us at The Rubin Group!