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Posts Tagged ‘Advice’

A cast iron certainty to improve a bathroom

Wednesday, July 28th, 2010

Early plumbing systems for a bath have been documented as far back as far as 3300 BC with the finding of copper water pipes underneath a palace in the Indus Valley Civilization of ancient India. The Roman Empire of over 2000 years ago was famous for its love of bathing. Around 500BC all Roman citizens were encouraged to visit the many public baths on a daily basis. The Romans used marble for the bath tubs with bronze and lead for the pipes, they also created a very complex sewage system for sanitation. In fact the Romans set the bar high for personal hygiene. Bathing was still very popular until shortly after the Renaissance, when it was replaced by the heavy use of sweat bathing and perfume, because it was thought at the time that water may carry disease and infections into the body through the skin.

Cast iron has been used in the manufacture of baths for hundreds of years. A cast iron bath was once very common in the bathroom of a home before being replaced over time by man-made materials. Having a cast iron bath is now very much sought after in bathrooms of home-owners trying to create a contemporary home. Cast iron baths are the original roll top bath, named because of the way the top of the bath curves over. They are similar to a steel bath because they are both immensely strong and very rigid, both are coated with porcelain enamel, and both are very easy to clean and have a long life. The bath is cast from iron in a mould, then after forming the bath shape it is chemically cleaned, this ensures the surface is spotless before applying the enamel coat. A porcelain enamel coating will then be sprayed onto the bath and the entire bath is then fired in a large kiln to give a very strong chemical bond between the enamel and the cast iron.

The bath will not need a cradle or a frame as its strength will allow feet to be cast or bolted onto the body of the iron bath. The feet of the cast iron bath are not normally adjustable because the bath itself is extremely heavy. Because of this, it is important that a cast iron bath is only put on a very solid and level floor. It is very important that checks are made to make sure the floor is strong enough, or the bath may end up in the living room and a claim on the cheap home insurance policy ensues. The clawed foot is one of the most popular types of foot for a cast iron bath. A cast iron bath that has clawed feet is not normally enclosed and is often featured in the middle of the room. This allows the householder to apply some decoration on the underside of the bath and it is possible to get some very attractive designs to highlight the clawed foot bath.

Tags: Advice, Advice for Tenants, Home Insurance, household insurance, Saving Money, tenants
Posted in Advice for Tenants, DIY, Home Insurance, Saving Money | No Comments »

10 Things To Remember To Avoid Home Thefts.

Thursday, June 25th, 2009

countryboyshaneBelow are 10 practices to use to avoid becoming a victim of home theft.

1. Lock the windows.
Make sure all of your windows are locked as you are leaving your home.

2. Lock the doors.
Make sure all of your doors are locked as you are leaving your home.

3. Turn on the home security alarm.
Ensure that your alarm is turned on as you leave your home (if you have an alarm).

4. Use a visual or audio deterrent.
At night, leave on a light, radio or TV for background noise to deter prying thieves from entering your home.

5. Park your car visibly.
Have a parked car in your driveway to deter prying thieves by giving the impression that someone is home.

6. Have your keys
Ensure that when you are leaving the house, that there are no keys left in the door.

7. Hide your spare key well.
Be security savvy. Don’t leave your spare key in an obvious place where people may find it.

8. Be aware of your living environment.
Ask neighbours to look out for any unusual neighbourhood activity. Participating in a neighbourhood watch scheme is ideal for the local community to look out for each other.

9. Secure your belongings.
You can improve your home contents security by storing your items in a shed, by having a security fence or having a secure chain.

10. Don’t tempt thieves.
Don’t place valuable items such as laptops, TV’s, camera’s and money in plain view plain sight for the public to see.

Image credit: Country_boy_shane

Tags: Advice, Advice for Tenants, Garden, Home Security, Theft, Tips
Posted in Advice for Tenants, Home Security | No Comments »

Top Tips for Home Insurance

Thursday, May 28th, 2009

mkosut

Do you need to reduce your home insurance premium? Take a peek at our top tips below!

  • Shop around
    • Make sure you get a number of quotes to make sure you’re not paying more than you should be.
    • Don’t accept the first quote you get; and don’t think you have to get your home insurance from your mortgage lender – you’re not obliged to!
    • Using a site like HomeQuoteDirect enables you to shop around quickly and easily, as you get a number of quotes from different insurers and there’s only one form to fill in!
  • Only Pay for the Cover You Need
    • For buildings insurance you only need to insure your property for the cost to rebuild – not the market value. There can be a vast difference!
    • Similarly for contents insurance – only insure up to the value of your possessions and be as accurate as you can be.
  • Limit the Risk
    • If insurers perceive your home to be less of a risk, then the cost of your home insurance is likely to reduce –
      • Consider installing smoke alarms and fire extinguishers to reduce the risk of fire damage
      • Make sure your home is as secure as possible – consider by installing a NACOSS or SSAIB approved alarm system; fit deadlocks to doors etc
  • Don’t Make Unnecessary Claims
    • Think before you claim – many companies now incorporate no claims bonuses into their home insurance (just like they do for car insurance). You may find that it’s works out cheaper to pay for any repairs yourself than suffer a rise in your home insurance premium

Image credit: mkosut

Tags: Advice, Contents Insurance, Home Insurance, Insurance for Renters, Saving Money, Tips
Posted in Contents Insurance, Home Insurance | No Comments »

Top Tips to Save Money on Your Home Insurance

Tuesday, April 21st, 2009

piggy-banks

Ultimately, when purchasing home insurance, the price you pay will depend on your circumstances (i.e. where your property is situated, your claims history) and the amount of cover you need. It’s also really important that you do not compromise on your home insurance cover just to get a cheaper premium - if the worst happens, you don’t want to find that you’re not covered.

That said, there are a number of ways to save money on your home insurance premium, and within this post we’ll take a look at some of these:

All home insurers provide quotes based on the ‘risk’. Essentially this means they evaluate the likelihood of you making a claim. You can therefore reduce your home insurance premiums by presenting yourself to the insurer as lower risk - examples of how to do this are detailed below:

  1. Reduce the risk of burglary - increased security measures reduce your risk of burglary, and insurers will respond by reducing the cost of your premium, examples include: fitting a burglar alarm, installing high security locks, lighting and so on.
  2. Reduce the risk of fire - fit and maintain smoke alarms.
  3. Increase your policy excess - your excess is the amount that you are willing pay in the event of a claim. If you increase your excess your home insurance premium will be reduced accordingly.
  4. Don’t claim unless you really have to -  as with car insurance, many home insurance providers are now also offering no claims discounts for ‘careful’ policy holders (i.e. those who do not make claims). Now clearly there are circumstances under which you may have no choice other than to claim, however we would recommend that you consider the potential increase in premiums prior to claiming; and weigh up the pros and cons. Ultimately, you may find that it’s cheaper to pay for small repairs yourself, rather than claiming on your insurance.

Pay only for the Insurance Cover you need…

This may sounds obvious, but make sure that you are only paying for the cover you need. For example, if your are renting a property, you will only need to pay for contents insurance, as your landlord will be responsible for ensuring that the building is covered.

Similarly, if you live in a block of flats or other dwelling where you do not own the entire building, again you may find that the buildings insurance is covered within any service charges which you pay.

Finally, even if you do own the whole building, your buildings insurance policy should only cover you for the potential re-build cost; not the total market value of your property.

 

Shop around for the best deal…

Make sure you shop around. Many people make the mistake of simply renewing their home insurance with their existing provider without checking out the other deals which are available on the market.

It’s really important to shop around to make sure you get the very best deal on your home insurance. Ideally, you should get a variety of quotes. HomeQuoteDirect is an independent broker, and as such will search their panel of insurers in order to get the very best deal for you. Click here to get a great deal on your home insurance.

 

Image credit voobie

Tags: Advice, Home Insurance, Saving Money, Tips
Posted in Home Insurance, Saving Money | No Comments »

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