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New Year’s Resolutions for Homeowners in 2021

Chances are you are thinking about some personal goals you would like to achieve in 2021, but if you are a homeowner, you might want to add some resolutions to your list regarding your home. Here are some homeowner resolutions for you to consider in 2021:

Do a HOME INVENTORY and put together a DISASTER KIT for your home. You never know when disaster may strike, and while it is no fun to think about, it is important to be prepared. Include your home inventory and financial documents in your disaster kit so that you will be ready should the unthinkable happen.  Make sure that your kit is stored in a fireproof, safe place that will be easily accessible if you need it.

Think about getting a HOME WARRANTY. If your appliances are nearing the end of their life cycles, a home warranty could possibly help prevent high costs for replacements.  Just be sure you do your research and read customer reviews regarding different home warranty options.  And always read the fine print so that you don’t get blindsided by exclusions.

Thoroughly examine your HOMEOWNER’S INSURANCE. You likely got a standard homeowner’s insurance policy to satisfy the lender when you purchased the home, but that does not assure that you are adequately covered. Each policy has unique coverage options and exclusions that you may not be aware of. Look it over and find out what it does and does not cover and then decide if it is adequate for you or if you need to purchase a different one.

Make saving for an emergency a priority. Sometimes homeowners are blindsided by unforeseen expenses. An EMERGENCY SAVINGS FUND can be a life saver when that happens! Think of it as a SAFETY NET for your home. An ideal emergency fund will be able to cover several months of expenses. Don’t let that overwhelm you. You have to start somewhere. Just start setting aside a small portion of your income each month and before you know it, you will have a sizeable savings for emergencies.

Start building your equity. If you financed your home mortgage, it will be years before you own your home outright. But there are ways to BUILD EQUITY faster, which will enable you to enjoy the benefits of homeownership Home equity is a valuable asset that can be used to pay for things like home improvements or student loans.

If you are ready to find your own dream home, Search North Iowa Homes for Sale today! Contact Jane Fischer & Associates to help you through every step of the home buying process!

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