For most homeowners, the home is their most valuable investment. As such, most homeowners like to have the best possible protection on the home. The best house insurance can come with a little steeper price than most policies, but many consider it worth the extra money to make sure the home is adequately covered. There are a few specific things a homeowner needs to make sure they have with their policy to ensure they have the best house insurance.
The Best House Insurance is the HO5 Insurance Policy
The HO5 insurance policy is typically the best insurance policy a homeowner can buy. It comes with the broadest range of coverage for both the home and the personal property.  Of course the HO5 doesn't cover every single peril imaginable, but most homeowners would be very hard-pressed to find any insurance policy lesser than the HO5 that even matches, let alone exceeds, the range of coverage that is included in the HO5 insurance policy.

The Best House Insurance Includes All Water Protection
Home insurance policies typically never cover flood damage, but they will cover just about any other type of damage caused by water. The four standard types of water damage that can be purchased (or included in the policy) are: Sudden & Accidental, Continual Seepage, Backup, and Foundation.  These four water damages will cover a majority of water claims that you may need to file, and thus if a homeowner is looking for the best coverage, all water protections need to be endorsed onto the policy. Most HO5 policies will automatically include at least two of the four, and some even include all the water protections.

The Best House Insurance Schedules Valuables
Most homeowners that want the best insurance also have sentimental valuables that they would love to hold on to.  To schedule personal property means to specifically list it on the policy. Most belongings in an insurance policy have blanket coverage. If a homeowner schedules an item, the homeowner receives special protection for that item. Typically the homeowner doesn't have to pay the deductible if it gets damaged and is guaranteed to receive the exact value of the item. Some insurance companies will even cover a loss to a misplaced item if it is scheduled on the home insurance policy.

Read more: http://www.articlesbase.com/insurance-articles/elements-of-the-best-house-insurance-4555901.html#ixzz1KvL2s0iI
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Palm trees grow best in the tropic areas and most of them do well where the temperature is above 59°C (59°F). However, there are some species of the palm tree that grow well in cold temperatures. Such species include the dwarf sugar palm and the Bismarck Palm that can grow in temperatures as low as -6°C (21° F). Before deciding to grow palms, you should research and ask around for its unique growing conditions. There are some types of palms like the coconut that cannot grow in cold weather.
Growing palms is becoming quite popular among households because of the fact that they require little maintenance. They do not shed off leaves and it does not take so much time to make them look good. Palms do not need any pruning. All that should be done is to remove the spent fronds to give it a neat look. If you are growing palms that produce suckers; such as the Medjool date, ensure that you cut the sucker away from the parent plant by chopping it out using a sharp object.
If you need to transplant palms, it should be done when the soil temperature is on the rise, especially during spring or early summer. This is because most of the palm trees have reduced root function in low temperatures. After transplanting, it is important that you water the transplanted tree to prevent it from drying out.

If you decide on growing palm trees from their seeds, you should be very patients as the seeds take a long while before germinating. To improve on the chances of the seeds germinating, you should peel off the fleshy covering and soak the seeds in tepid water for one day. Get rid of the ones that are floating and use the ones that sunk for planting. You should keep your palm warm in a green house or on a window sill. If the palm tree is grown, you can keep it warm by wrapping its trunk using bubble wrap and mulch it to protect the roots.
Growing palms can also be done indoors. You can have a palm inside your house or office to add a tropical feel and create elegance. When growing them indoors, you should avoid changing pots yearly so that the pot does not grow too large to be contained in the room. It could be tempting to trim the tip of the tree in an effort to control how tall it grows - this should never be done. Cutting the tip of growing palm trees would cause them to wither and die. If you decide to make your palm tree an indoor plant, do not expect it to produce flowers or reach full maturity, since most of the palm plants grow into full trees before they can produce flowers.

It is necessary that you buy required fertilizers for your palm trees. Growing palms have the tendency of developing yellow or brown fronds if they have a potassium deficiency. Therefore, you should use a fertilizer that has a rich concentration of potassium and manganese. You can also add mycorrhizal fungi to the soil to enrich it and promote fast growth of the palm trees.

More tips on growing palm trees and date palms

Article Source: http://EzineArticles.com/?expert=Arnold_Hernandez

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Kitchen cabinets are more than just doors; they can completely transform your space. When you are ready to finish the look of your new kitchen, you should choose cabinets that complement your design plan perfectly. With the right style, your home can stand apart from all the rest.
Wide Range of Options
There are a wide variety of colors, styles and materials that you can choose from. Depending on your personal preferences, you will be able to find a cabinet that can meet your individual needs. Whether you are looking for a modern, contemporary, elegant, high end or other style, you will be able to find a product line that works for your kitchen.
No matter the size of your budget, you have the ability to purchase kitchen cabinets that will fit within your financial constraints. There is metal, oak, cherry, hickory, maple, melamine, mahogany, walnut, particle board, plywood, plastic laminate, thermofoil and so much more. Cabinet manufacturers also apply a variety of finishes that include glaze, paint, stain, varnish, lacquer and other options.

The actual design of the doors vary in style -- there is slab, routed, raised panel, recessed panel, curved panel, cathedral panel, beadboard panel and more. Your dream kitchen can be made of custom-made or pre-made doors for either a renovation or new construction project. You can also integrate glass inlays and special moldings into your kitchen cabinets. The possibilities are endless.
How to Choose the Best Cabinets and Doors
Selecting the right kitchen cabinet doors depends on a number of key factors. For example, you will need to consider the types of appliances, countertops, backsplashes, pendants, flooring and other fixtures that are being incorporated into your plans. Each piece plays an important part in the finished product, which is why the doors are a critical component. The overall layout is also a significant consideration for the right size and style.

Homeowners should focus on price, materials, brand name, warranty and quality workmanship. Your investment into well-made doors will pay off in the long run. You can avoid having to remodel your space earlier than expected when you acquire dependable kitchen cabinets. The right choices can save you time and money.
When you are ready to begin your project, you can have a positive experience by hiring a professional. They can provide you with sound advice and they have the supplier relationships you need to purchase quality products at affordable prices.

The kitchen is the heart of your home, when looking for quality Novato kitchen cabinets and kitchen design, look for a design firm with a proven track record of quality design and exceptional customer service.
Ken Ryan began in the home renovation industry back in 1975. Ken has been exposed to all aspects of construction. He previously owned a custom kitchen manufacturing facility where he was in charge of designs, sales, and project management. Today, Ken Uses his accumulated sources and his expertise in design, manufacturing and construction to cover all the angles when designing a one-off kitchen.

Article Source: http://EzineArticles.com/?expert=Ken_Ryan

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The rising power demands and pollution that comes have been a matter of concern for environmentalists for quite some time now. Pollution produced by power stations has been the root cause of number environmental and healthcare issues such as global warming, depletion of the ozone, physical ailments, and many more. To add to the downside, rising power prices are becoming difficult for people to manage within their budget. All these factors point towards the need of switching to a cleaner and more cost-efficient method of power generation.
When we talk of clean sources of power, nothing compares to what is delivered by renewable sources of energy such as solar and wind. The power produced by using renewable sources of energy can be used to perform a number of appliances involved in daily living such as fans, lanterns, water heater, etc. The main benefit of using solar powered devices is that they don't produce any harmful wastes like conventional methods of generating power.

As the energy used for generating power is free, there is virtually no cost of power generation and all you need to take care of is a nominal maintenance cost. Switching to devices using renewable sources of energy is sure to cut a huge figure from your power bills while preserving our dear planet. Thanks to innovations in this field during the last couple of decades, you can choose from a number of options such as solar power panels, wind power generator, solar water heater, solar lantern, solar fans, and many more.
To avail even more savings, you can opt for DIY solar kits and save on the installation cost of these devices. These kits come with a detailed yet easy to understand instruction manual to assist users in setting up the device. With some basic tools and a working knowledge of how to handle them, you can save a great amount of money by doing the installation by yourself. Owing to the popularity gained by these cost-efficient DIY solar kits, most stores dedicated to renewable energy offer these kits.

If you are planning to buy a solar kit for your home, you can use the web to find online stores offering these kits. Online stores offer the best way to buy such products as you can compare the prices as well as read customer reviews about different devices and stores before making your final choice of both.

The author is an experienced Content writer and publisher on the topics related to DIY solar and solar powered.

Article Source: http://EzineArticles.com/?expert=Hemant_Chourasia

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Everyone is a little more attentive to how they keep their garages today. Gone are the days when the garage was the one stashing point where things were indiscriminately strewn about, and where there was no sign of order anywhere. Although the garage continues to be where most things are stored away, garage shelves have become the most staple feature of most peoples' homes.
There are several benefits of having garage shelves installed. The first is that it helps break the clutter and helps your garage look much neater. It is easier to maintain, and you will instantly notice that things can be retrieved much faster and more easily. Another very important benefit of having garage shelves installed is that they can help you maintain your belongings and prevent them from spoiling, and thus increase their life span dramatically.
Although many people intend to have garage shelves fitted, not too many know just how they should be planned. Although aesthetics and looks are important, the most important thing is practicality. It is important that the shelves be handy and not in the way, or completely out of reach.

 If you have too many belongings and need much more storage space, it is best to start right at the top. If you would like your garage to look neater and less cramped, try and reduce the number of garage shelves and only have them to a certain height. This will look sleek, neat and also help the garage look and feel more spacious.
When you plan for your garage shelves, ensure that you arrange to have them in various sizes. Allow for a mix between larger and smaller shelves so that everything may be accommodated. A break in the sizes allows for an interesting variance within the garage when you look at the exterior. It also makes a more practical design, taking in larger and smaller objects alike.

Look for special shelves which are top opening, pull outs and offer other conveniences. This will help you place the larger, heavier and also more frequently used objects more effectively. There is some tact you will need to use, along with a little informed guidance, and you will notice style and functionality marry one another perfectly to make your garage the most handy area to have around. Investing just a little time and planning into your garage is sure to make it look and seem just perfect.

To view more information visit: garage shelves

Article Source: http://EzineArticles.com/?expert=Kenneth_B_Baker

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If you were offered a choice of a gorgeous luxury villa or a luxury penthouse to live in, which would you choose? What would a penthouse offer that a luxury villa could not? A luxury villa could have anything that one may think of ... a pool, a garden, a patio ... but there is one thing a penthouse can have that even a luxury villa cannot have - large picture windows that offer gorgeous views and look out on the skyline.
Since penthouses are designed for lots and lots of light, the windows of a penthouse are perhaps its defining feature - the one feature that sets it apart from other luxury residences. Every room of a penthouse can offer a gorgeous and distinct view of monuments or even distant hills or the ocean.
Not surprisingly, interior designers expend much effort in the design, dressing and treatment of penthouse windows.

 Penthouse Window Designs
The wrap around window, which runs around the penthouse, is one of the more common designs. This design conveys the impression of totally glassed walls. These may be complete, half or three quarter windows. Other fairly common window designs are bay windows and tilted windows.
Dressing Penthouse Windows
Since windows are what really set penthouses apart, it is natural that these should be used as the focal points of the interiors. And a lot can be done to highlight the windows and make them the focus of any room ...
Thoughtfully placed floor lamps and focus lights could enhance the beauty and appeal of the windows.

Carefully chosen drapes, curtain rods and valances can give a personality to your window and to the entire room too. Using a combination of drapes and valences that fit in with the rest of the room's decor can do a great deal to add to the elegance of a room and give a touch of class and style.
Designing and dressing penthouse windows, if done with care, imagination and creativity, can give every room in a penthouse a unique personality, look and feel and can give a touch of style that can prove to be a source of delight for many years.

For more on home improvement and interior design, you might want to see http://www.trulylovelyhome.com

Article Source: http://EzineArticles.com/?expert=Guru_Bhakt

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