Thinking about selling your Vero Beach home? Typically Spring is the time of the year you'd be putting it on the market. But if you're like most people, there's probably a lot of things you need to do in order to get your Vero Beach home in shape to sell. So why not use the winter months to get some things done and get your home ready for the Spring selling season in 2015? Here are a few cost-effective tips to jump-start your home selling journey.

Tips to Get the Most for Your Vero Beach Home

Hire a professional organizer for your Vero Beach home

Hire a Professional Organizer for Your Vero Beach Home

Many cleaning companies offer organizational services in addition to helping you clean. Having a professional organizer come in will allow you to create space and generate a sense of flow in your home, which is attractive to potential buyers.

Deep Clean Your Vero Beach Home

You may think your Vero Beach home is clean, but there's nothing like the magic of walking into your house after a thorough, professional cleaning has been done. Get this done early in the winter to give yourself a clean (no pun intended) slate to work with, and then do it once more right before you list your Vero Beach home. In addition to organizing, a thorough, deep cleaning, is a must do item.

Consider Painting Your Vero Beach Home

Painting is not something most people look forward to, but it does wonders for the appearance of your home for very little cost. Stay away from bold, distracting colors. Instead, choose neutral shades that will appeal to a greater number of people.

Don't Smoke!

Quit smoking inside your home at the very least. Kicking the habit is great for your health, but if you're not ready to clean up your lungs just yet, stop smoking inside of your house as soon as possible. Going outside to light up during the winter months might even help you quit faster than you would have anticipated.

Sweat the Small Stuff

Small things, like new light switch covers, may not seem like they would make a big impact. But new details like this can really make a house pop. Any covers that show cracks, chips or damage can put off a buyer. Damaged switch plate covers can increase the risk of fire or electric shock. Make sure to follow all safety precautions when doing any electrical work on your Vero Beach home.

Spruce Up Your Yard

If the weather allows it, do some landscaping during the winter months. A little curb appeal always helps boost interest. Regardless of the weather, you certainly should pick up your yard, especially if you have kids. Pick up all of the toys, put away the kiddie pool, even pack up the trampoline and sell it or put it in storage. People want to see the potential of the space, and all of your "stuff" can block that for them.

There are many ways to boost the value of your Vero Beach home before you put it on the market, but these are a few cost-effective things you can take care of during the winter months.

We have more articles to help in the process of selling your Vero Beach home over in the Vero Beach Home Selling Tips section of articles, as well as additional home improvement tips in the Vero Beach Home Improvements section, both under our Vero Beach Real Estate Categories to your right.

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You should give careful consideration before even filing a Vero Beach homeowners insurance claim. Filing just one claim — even a small one — can send your premiums soaring through the roof (no pun intended!)

Making just one small claim on your Vero Beach homeowners insurance could cause your rates to soar through the roof

Factors Affecting Vero Beach Homeowners Insurance Rates

According to a new study from InsuranceQuotes.com, the average premium increase is 9 percent for the first claim. Even a denied claim can cause your premium to go up. Make sure to know your policy's specific guidelines and only file a claim when absolutely necessary. Winning a small claim could actually cost you money in the long run.

The type of Vero Beach homeowners insurance claim also matters. Liability claims, such as from personal injuries, are the most expensive type of claim, with insurers raising premiums by an average of 14%.

Other claims that lead to big premium increases are theft and vandalism, which often indicate that the home is in a neighborhood that is unstable or possibly falling prey to various forms of contamination or corruption. In bad neighborhoods, these crimes can recur, and the high premiums reflect that.

Once your Vero Beach homeowners insurance premiums are raised, it can be difficult to get them reduced.

Insurers keep a database called the Comprehensive Loss Underwriting Exchange, or CLUE, which tracks seven years' worth of your auto and property insurance claims, as well as any inquiries you may have made about a claim. The database then compiles a report based on your claims history that is then used to determine whether to cover you and how much to charge.
The information is available to all insurers so even if you switch providers, your rate with the new carrier may be just as high.

Ways to Try and Keep Vero Beach Homeowners Insurance Costs Down

Raise your deductible. But not so high that you can't afford to pay out-of-pocket costs if damage occurs.

Don't make small claims. Getting a few hundred dollars back if a tree limb falls on your shed may feel good but you could be paying that back to your insurer over the next few years — and then some.

Don't use Vero Beach homeowners insurance as a maintenance tool. Don't file a claim to pay for small repairs, such as when wind blows some old shingles off your roof. Use it for catastrophic repairs only.

Shop around often. Look for quotes once a year. There's lots of competition in the industry and you may be able to buy equal coverage and service for a lower price.

Get more Vero Beach homeowners insurance information in our section on Vero Beach Insurance to the right under Vero Beach Real Estate Categories.

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There are some things you need to know before you start the Vero Beach home buying process. Stacy Johnson hit the streets to ask a few questions. How would you answer these questions?

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We have more Vero Beach home buying tips and information to your right in the Vero Beach Home Buying Tips section of articles under Vero Beach Real Estate Categories. Check 'em out!
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And check us out daily on Twitter and Facebook!
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New research from the real estate website Trulia finds that it's cheaper to buy a Vero Beach home than it is to rent one. The advantage narrows considerably, however, when the home buyer uses a low-down-payment loan insured by the Federal Housing Administration.

The average cost of homeownership, including mortgage, insurance, taxes and maintenance, is 38 percent less than the cost of renting, according to the latest Trulia data. This is an even bigger gap than last year, when Trulia estimated homeownership was 35 percent cheaper.

Buying a Vero Beach home is cheaper than renting in many cases.

Reasons Buying a Vero Beach Home Is Cheaper Than Renting

One reason for the improved conditions to buy a Vero Beach home is that the 30-year fixed interest rate for mortgages has been lower this year than last. And the other is that rents are rising faster than buying a Vero Beach home because of strong demand.

For many people, the down payment is still a barrier to buying a Vero Beach home. And for people who lost a home in foreclosure, it might still be a while before they can buy. Even though it's a good time to buy a Vero Beach home, many renters are stuck in place. 74 percent of renters have incomes below $50,000, compared with 41 percent of homeowners.

58 percent of renters said they would be unlikely or unable to come up with $2,000 within 30 days to cover an unexpected expense — never mind a down payment to buy a Vero Beach home to start with.

The reverse is true for a typical Federal Housing Administration loan with 3.5 percent down, which requires upfront and monthly mortgage insurance premiums, and builds equity much more slowly. In that case, the advantage dropped to 25 percent. And in some areas, the advantage was 10 percent or less.

Buying a home with an F.H.A. loan is still less expensive than renting almost everywhere if you plan to stay for at least seven years and can benefit from the mortgage interest tax deduction. But financing a purchase this way could be more costly than renting for more mobile buyers, particularly younger people.

Don't forget to find us on Facebook and Follow us on Twitter for daily updates on news that affects buying a Vero Beach home.

Knowing your credit score is important. But with the sheer number of different credit score systems out there, are any of them really doing you any good, or are they just a big hindrance?

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To get more tips on Vero Beach mortgage information, including more articles about your credit score and the various ways to improve yours, check out our other articles by clicking on the Vero Beach Mortgage Info link to your right under Vero Beach Real Estate Categories.
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