Your home is your canvas, even if you’re just renting. With a little creativity and some renter-friendly tricks up your sleeve, you can plan a room makeover that reflects your personal style—all while keeping your security deposit intact. Here are some of our favorite remodel/redecorating hacks for renters.
Peel-and-Stick Wallpaper: Transform those white walls into a style statement. It’s easy to do with peel-and-stick wallpaper. This type of wallpaper doesn’t require glue, and it’s easy to peel off when you’re ready to move out. Not only can you update your place with trendy patterns and colors, but you can also find removable decals with inspirational quotes.
Temporary Backsplash: An easy way to spruce up your kitchen or bathroom is with a temporary backsplash. Like peel-and-stick wallpaper, these options are easy to install and remove. However, if you’re putting up a backsplash near your stove, make sure to use one that is rated for long-term heat exposure. Thoroughly clean and dry your wall before applying for best results. To remove, apply heat with a hair dryer before peeling it off.
Peel-and-Stick Floor Tile: Give your floor a makeover with peel-and-stick tiles. You can apply adhesive tiles right over the current floor. Note that these tiles are not stickers. They’re thick and rigid and must be cut to size. In addition, they take some work to remove. Research the removal process before you commit. It involves adhesive remover, putty knives, a pry bar, and pliers.
Cabinet Hardware: Upgrading the hardware on your cabinets is an easy way to modernize your kitchen or bathroom. Replace the cheap brass with some matte black pulls for an elegant look or find one that’s uniquely you. Just keep the old hardware so you can replace it when you move.
Light Switch Plates: Chances are your light switch plates are old, faded, and ho-hum. Change them to bright white for a fresh look. Or take them to the next level and decoupage them with your favorite print. Again, keep the original plates to replace when you leave.
Decorative Lighting: Swap out those basic builder-grade light fixtures for something with pizzazz! Choose trendy pendant lights or chic table lamps to illuminate your space in style. Battery operated wall sconces are easy to install and they provide a cozy feel. Just remember to keep the original fixtures stored safely so you can reinstall them before you move out.
Colorful Curtains: Don’t underestimate the power of curtains to elevate your space! Choose bold colors and designs to add drama and personality to your room. They’re easy to install and can be taken down and rehung in your next place.
Furniture Makeovers: Don’t be afraid to get creative with your furniture! Add a fresh coat of paint to a drab dresser, swap out hardware for something more stylish, or cover an old sofa with a colorful throw blanket. These simple updates can breathe new life into your space without causing any damage.
Decorative Room Divider: Freestanding room dividers not only separate and define spaces but they can add to your décor. Use them as a display to hang accessories or art. Just make sure the items are lightweight and non-breakable should they get tossed when the divider is moved about.
Large Mirror: Lean a large mirror against the wall to create a spacious, airy feel and make your apartment seem immediately bigger. By leaning it, rather than attaching it to the wall, there are no holes to fill.
Window Film: If you don’t have window curtains or shades, try a patterned window film. It sticks to the window with just static cling or water and provides privacy without blocking the light. Plus, the pattern adds style to your space. Then, when you’re ready to move out, simply peel it off.
Showerhead: Chances are you have a standard showerhead. Replace it with a larger one to create a spa-like experience. Because showerheads just screw off and on, it’s easy to do. Just keep the original so that you can reattach it when you leave.
Paint: If your landlord allows it, paint is one of the easiest ways to renovate your space. It has an immediate impact, and it’s relatively easy to DIY. Since you will have to restore the original color when you move, consider painting a single statement wall.
Balcony Upgrade: If you have a balcony or porch, there are so many ways to create an inviting space. See our blog on easy apartment balcony upgrades.
Finally, protect your belongings with renter’s insurance. It is surprisingly affordable. For as little as $10 a month, you can get a renter’s policy at California Casualty.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Spring is in the air, and your yard is practically begging for a green makeover. Before you dive headfirst into planting paradise, however, let’s talk about our four-legged friends. Pets don’t just smell the roses, they eat them. Which plants are a big “no-no,” and which ones are safe for our fur babies?
Pet-friendly plants:
We did the research to find the list of plants that are considered pet friendly. Here are some of the most popular options for your garden.
Camellias are flowering shrubs with pretty blooms. They are perennials, and once established will come back again and again. These plants prefer shade, and once established need little care.
Cat grass is great for digestion, and cats love it. This is an annual plant that you can put directly in your garden, after the frosty season has passed. Most likely you’ll grow I from seed. Make sure you watch for weeds and pests, both of which are common outdoors.
Coral bells feature small sprigs of tiny flowers on long stems. Their leaves also are colorful and can come in shades from green to orange and black.
Fuchsias have beautiful pink and purple blooms that look great in hanging baskets. They bloom from spring to late fall.
Marigolds are colorful annuals that act as a type of natural pest control. They keep beetles and other bugs away, while also attracting bees.
Purple basil plants add vibrant color to your garden and, as a bonus, can be harvested and used in your favorite pesto recipe. They prefer a sunny spot and need plenty of water.
Snapdragons are beautiful additions to your garden with their range of colors on tall stems. They do best in full sun.
Sunflowers come in a variety of sizes and colors. They can grow several feet tall for a dramatic effect. Plus, the seeds attract birds throughout the fall.
Zinnias come in many colors including purple, white, yellow, orange, pink, red, and even green. You will love that they attract butterflies to your garden.
Spring is for outdoor gardening, but don’t forget that there are many pet-friendly house plants too.
Plants dangerous to pets:
There are hundreds of problematic plants — too many to list in a single blog. We’ve compiled a list of some common ones you might already have in your garden. After all, you didn’t know until now that they could be harmful. Before you plant anything new or unfamiliar, do your research to ensure it’s safe for your pet.
Azaleas can cause stomach upset, heart issues, and seizures. Eating azaleas can be fatal without treatment.
Daffodils can cause severe vomiting and diarrhea, low blood pressure, and heart arrhythmias. In addition, the sharp calcium oxalate crystals contained in daffodils also can cause irritation of the tongue, mouth, and throat. Even drinking water from a vase filled with daffodils is dangerous.
Foxglove can cause nausea, vomiting, an irregular slow pulse, tremors, and bloody diarrhea. This can be life-threatening.
Hyacinth can cause intense vomiting, bloody diarrhea, and tremors. The bulbs include toxic calcium oxalate crystals which pierce a pet’s sensitive mouth and the inside of the intestines. The result could be severe intestinal damage.
Lilies can cause kidney failure in cats. They are also somewhat toxic to dogs, causing upset tummies.
Morning glory can cause vomiting, diarrhea, tremors, rapid heartbeat, and liver failure. The seeds are the most toxic part of the plant, and ingesting a large amount may cause hallucinations.
Rhododendrons are related to azaleas and have similar effects, including stomach upset, heart issues, and seizures. They can be fatal if eaten.
Tomato plant leaves are full of solanine, which can cause nausea, vomiting, and a slow heart rate.
Tulips can cause vomiting and diarrhea, abdominal pain, tremors, and even coma. Even drinking water from a vase filled with tulips is dangerous.
If you live in the western part of the U.S., be on the lookout for foxtails, a type of grass-like weed. Not only can they get stuck in your pet’s hair, but they can also work their way up into their nose and ears, causing serious infection and even death.
For added peace of mind, consider pet insurance which can help make treatments more affordable if your fur baby does get into a household danger or outdoor hazard.
Happy Spring and safe gardening!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Your car was stolen. That sinking feeling hits hard. You feel violated and angry. Then, reality sets in. How are you going to get to work? Who’s going to pick up the kids? What do you need to do to get back on the road?
The good news is you’re not alone. There’s a network of support for auto theft victims. Here’s a state-by-state rundown.
This program provides monetary assistance to victims of crime who suffered a direct financial loss because of that crime. The thief does not need to be caught for the victim to qualify for assistance. However, all other sources of financial support must be exhausted before victims can be considered for this program.
The Board can help pay bills and expenses that result from violent crimes. Therefore, you must have a physical injury or be a victim of a hit-and-run to qualify.
You can receive support such as reimbursement for storage and tow fees, vehicle cleaning, limited repairs, and alternative transportation methods. The authority may also cover catalytic converter theft. You will need to provide your driver’s license, vehicle registration, insurance declarations page, and a copy of the police report. A victim’s advocate also is available to help crime victims and their families.
This compensation program is related to victims who have suffered personal injury because of the crime. Reimbursable expenses include medical bills, wage loss, death benefits, funeral expenses, and counseling.
This fund covers financial losses from a property crime not covered by insurance for incidents in Douglas County, KS. The thief does not need to be caught for the victim to qualify for assistance.
Oregon
Oregon Department of Justice Crime Victim and Survivor Services
This program was created to help victims of violent crime with expenses associated with the crime. While the program cannot replace stolen items, it can help with mental health counseling and medical expenses.
This nonprofit organization works with local, state, and federal partners to help victims rebuild their lives. It offers attorney referrals, confidential helplines, and information.
National Organization for Victim Assistance (NOVA)
Crime victims can learn their rights and options through this referral hotline service. Hotline services are offered in over 200 languages, and victim assistance specialists provide emotional support, information, and referrals.
Does insurance protect you if your vehicle is stolen?
If you have comprehensive auto insurance, you will be covered in case your car is stolen. Insurance will cover the cost of a replacement car, minus any deductibles or rental car costs that you may need to pay. Drivers who are paying loans on their vehicles are required to have comprehensive insurance. However, once you have paid off your car, this insurance is optional. Check with your insurer to see what is covered in the event of theft.
You can often save on your insurance premiums if you install anti-theft devices. Ask your provider for more information.
It typically takes 30 days before a vehicle is considered gone forever. Work with your insurance provider to get your claim paid, so you can get back on the road.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
We love light-filled rooms and beautiful views. But inevitably, our windows will let us down. They will stick, they will leak, and they will let in unwanted drafts. Whether to replace or repair them, that is the question.
Types of Windows and Frames
Knowing the type of windows is the first step. That will help you to understand what to look for in terms of repairs and replacements.
Awning windows are horizontal top-hinge windows that swing outward.
Bay windows have 3 panels at an angle that create an alcove.
Bow windows have 4-6 panels and are like bay windows.
Casement windows are hinged at the side and crank to the outside.
Single slider windows slide horizontally in one direction.
Double slider windows slide horizontally to either the left or right.
Single hung windows have the top sash fixed in place, with a bottom that slides up and down.
Double hung windows have both the top and bottom that slide up and down.
Window Wellness Check
An annual window inspection is a good idea to flag problems before they become expensive repairs or replacements. Schedule a time each year, such as when you replace your smoke detectors, to do a window checkup.
Check that your window opens and closes easily, and that your window locks.
Check the weatherstripping to make sure it’s intact and even all around.
Open the window a quarter of an inch or so. Make sure the opening is even across the bottom of the window.
Inspect panes for cracks and signs of moisture.
Check screens for rips or holes.
Check for signs of mold or mildew.
Aluminum windows: Check corner welds and exterior caulking. Make sure opening mechanisms are well lubricated.
Wood windows: Check the caulking on the exterior between the siding and the window frame. That’s where potential problems can arise. Regularly paint and seal the exterior finish and interior finishes.
Vinyl windows: Check exterior caulking and opening mechanisms.
Common Problems and What to Do About Them
Following are some common problems that you may encounter with your windows—and some guidance on whether to repair or replace.
Sticking/Not Opening
Windows are meant to be open, and when that doesn’t happen, it can be frustrating. If your window doesn’t open easily or at all, consider the following.
Repair: Some wooden windows are painted over so many times that they don’t open. Other times, dirt, dust, and pollen get lodged in the tracks. You can try removing the debris or paint and lubricating the tracks.
Replace: Aluminum windows that have broken corner welds are nearing the end of their lifespans. Similarly, steel frames that have deteriorated due to rust need to be replaced.
Leaking
As windows age, your seals and caulk can dry out, leaving gaps. This can lead to water leaks when it rains.
Repair: Go around your window and reseal any cracks with caulk and weatherstripping. Almost all windows have bottom “weep” holes where water can drain out. Do not caulk over these holes. Otherwise, water can be trapped in there, freeze, expand and crack the window frame.
Replace: In some cases, windows can be defective and need to be replaced. In addition, if the leak has occurred for some time, the water may have caused the wood frame to rot.
Drafts
If it’s cold outside, you don’t want to feel it through drafty windows. Check that you don’t have any openings and where you can, add extra protection.
Repair: Apply weatherstripping to your windows. Reglaze loose panes.
Replace: You can replace single pane windows with double pane windows that do a better job of blocking the heat of direct sunlight and still let the light come in.
Condensation
Foggy windows could be a sign of expensive repairs to come so you’ll want to address this problem right away.
Repair: Condensation could be due to lack of ventilation. It can soak into the window trim and damage it. It can also lead to mold. You can try a dehumidifier with the windows closed to see if that eliminates the fog.
Replace: Fogging between double pane glass panels cannot be fixed and must be replaced. See the section on soft wood if the water has gotten into the wood.
Sagging Casement
Casement windows can be heavy, and the hardware must be strong enough to hold up over time.
Repair: You may notice the downward movement of the window sash on casement windows. You’ll need to reset the windows and replace the hardware.
Replace: While you can replace worn out crank mechanisms, you’ll need to replace them if they are bent or worn.
Soft or Rotted Wood
You may notice dampness and a darker color on the wood around your window. That could mean it’s structurally unsound.
Repair: When wood is soft to the touch, it is a sign of rot. Flashing protects the window frame from moisture, so make sure yours is not damaged or missing.
Replace: When water leaks into the walls, it can cause a more significant problem. It can attract carpenter ants, termites, and bugs. It can also affect your walls and foundation. Replace any rotted wood right away and eliminate the source of the moisture.
What You Need to Know About New Windows
New windows can boost your energy efficiency and help you save on heating and cooling bills. They can reduce exterior noise, increase security, and improve the look and value of your home.
However, new windows can cost $450-$1,400 per window or more. That means it’s expensive to replace all of them at one time. Also, even if you find a close match, new windows will look different. Consider replacing just a few on the same side. Ask about warranties. You will want protection that cover glass replacement up to 20 years.
Finally, your home is one of your greatest investments. Protect it with the right insurance for added peace of mind.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
When it comes to keeping your tires inflated, you have a choice. You can fill up with air, like people have done for decades, or you can use nitrogen. What are the pros and cons of each? Let’s take a closer look.
Nitrogen
Remember when you studied molecules in science class? Molecules are the smallest amount of a substance that still carries its properties. Nitrogen molecules are larger and slower than the molecules in air. As a gas, nitrogen also is drier. These properties give nitrogen some advantages.
PROS
Nitrogen won’t seep out of your tires as quickly as air because of its larger, slower molecules. That will help you to maintain your tire pressure longer.
The moisture naturally found in air can cause changes in temperature. With nitrogen, there is no moisture and therefore it is less susceptible to temperature changes that affect tire pressure.
Nitrogen is especially good for locations with very high or low temperatures. It is often used in race cars, heavy vehicles, and aircraft because it is nonflammable and able to more easily maintain its temperature.
Nitrogen will not react to rubber, steel, or any of the tire’s components. There is no oxidation which can damage tires. That should help preserve your tire over time.
CONS
You most likely will pay to inflate your tires with nitrogen. The initial charge to remove the air and fill them with nitrogen can cost about $30 per tire. Then, it will be about $7-10 per tire for topping it off as you need more nitrogen.
Nitrogen may not be significantly better than air at maintaining tire pressure. Consumer Reports found only a 1.3 psi difference between air and nitrogen over the timeframe of a year.
There is no scientific evidence that nitrogen helps with fuel economy.
It is harder to find places to fill up with nitrogen. You will have to search for locations that offer nitrogen, even for a fee.
Note: If your tire is low and there is no place to get nitrogen, you can top your tire off with air. It won’t harm your tires, but it will reduce the effectiveness of the nitrogen alone.
Air
You may be surprised to learn that air is composed of mostly nitrogen. In fact, the mix is 78% nitrogen, 21% oxygen, and about 1% of other gases. Air, which has been used to inflate tires for over a century, also has its advantages.
PROS
Air is often free. If it costs, it is minimal such as a dollar or two.
Air is readily available. You can find it at gas stations, convenience stores, wholesale clubs, tire shops, and more.
While air loses pressure over time, its rate is close to that of nitrogen. Plus, with air, drivers are more likely to check in often versus relying on nitrogen to stay pressurized.
CONS
You will experience more pressure changes with air. Air is affected by temperature changes due to water vapor in its mix. However, it is worth noting that most tire shops have moisture separators that limit the amount of water vapor.
The oxygen in air can cause oxidation, which can make rubber brittle over time.
You will have to fill your tires more often when you have air versus nitrogen.
Tire Pressure is Key
When you fill up with nitrogen, you get a green cap on your tire valve. When you fill up with air, your cap will be black. However, whether you use nitrogen or air, you still will fill your tires to the same recommended pressure. Check the inside of your door or your driver’s manual to find the right psi.
Maintaining the correct pressure helps your tires last longer, your car handle better, and could even help with fuel economy. Under or over inflated tires increase your risk of a blowout and increase wear and tear. No matter whether you use nitrogen or air, regularly checking the pressure of your tires is part of responsible vehicle maintenance.
Your car is one of your greatest investments. Protect it with the right insurance for added peace of mind.
Safe travels from all of us at California Casualty.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
