Welcome To The Alba Group's Blog

On a weekly basis we bring up to date current information about the real estate market in Medford, Eagle Point, Pheonix and the surrounding areas of Jackson County and Josephine County Oregon.!

Tag Archives: Insurance

Sep 23 2013

Make Your Next Move Easy!

Getting organized for your next move. If your next move is around the corner or clear across country getting organized could remove much of the stress. Moving can be challenging. When standing in the middle of your home and looking around, you begin to wonder, how will you ever get everything in a box and to your new location? It can seem overwhelming. Here are a few pointers to make your next move a smooth move. Create an inventory. Know exactly what you are moving. As you go through each room of your house you may find there are things you do not want to take with you on your next move. Keep the basic necessary items separate. Put the toilet paper and toothbrush and a set of handy tools in a separate box labeled correctly so when you arrive at your new place you will know exactly where these items are. Purge and Donate. When you have decided what you are not taking on your next move, ask your friends or family if they can use any of your unwanted possessions. There are many thrifts stores that could use items to sell for a worthy cause. Donating could even be a tax write-off. Check with your financial adviser on this. Pack similar items together. When you pack be sure to plan. Pack one room at a time and label it accordingly. Limit the weight of each box, so as they are not too heavy to carry. Make sure you use enough packing for your fragile items Make a list. Moving is more than just packing. Getting organized for your next move is more than just packing efficiently. There is also making arrangements for the moving truck and turning on utilities at your new home and many other things that could slip through the cracks when you have a lot on your mind. Make a list and do not be afraid to delegate to other members of the family.I sure hope these tips make your next move smoother. If you have any further questions about moving I am available to answer any questions or concerns you may have. Related articles Ten Most Forgotten Items During A Move.. At Home: Surviving a move takes planning Take the Stress Out of Moving

Read more

May 22 2013

Medford Oregon Homeowners Insurance

When buying homeowners insurance there is much to consider. I am going to break it down in simple terms to make it easy. I understand buying a home can be overwhelming and the process can seem complicated. Home buyers usually appreciate guidance along the way. Don’t Get Caught Under Insured Make sure the amount of homeowners insurance coverage is equal to the amount needed to rebuild or refurbish your entire house in the event of fire or complete loss. Homeowners insurance companies will estimate the cost to determine the cost of replacement. Another way to estimate the cost is to have a home builder give you an estimate of the rebuilding cost. Two Types of Homeowners Insurance There are basically two types of homeowners insurance coverage. Extended replacement coverage and inflation guarantee coverage are two types of homeowners insurance. The first caps the payout you would receive from the insurance company to approximately 125% of the insured value of your home. The latter is a policy that the insured value of your home changes as the value of your home changes. Understanding your options will place you in the best situation for your particular circumstances. Liability Homeowners Insurance Many homeowners do not realize that if someone gets hurt on your property or if a tree of yours falls on your neighbor’s fence you could be liable. You can be protected with homeowners insurance. Purchase liability homeowners insurance to help take the burden of paying for damages or medical bills out of your pocket. Take Inventory To get homeowners insurance coverage on jewelry, antiques or valuable art you may have to pay extra and get an additional rider on your homeowners insurance policy. Be sure to take an accurate inventory of your possessions. This could save you a lot of time and money if you ever need to file a homeowners insurance claim.     Related articles Surviving a Tornado and Then Facing Homeowner Insurance Battles Saving on homeowners insurance Homeowners Confused About Insurance Coverage: Survey Homeowners Insurance Mega Quiz Homeowners Insurance

Read more