Save Money and Be a Savvy New Homeowner

Save Money and Be a Savvy New Homeowner

You’ve bought a house. Congratulations! Now the fun begins. As a new homeowner, you’re going to be responsible for a lot more than when you were renting.

Follow these 7 money-saving tips to set up your new home like a pro.

 

Tip #1: Wait to spend on nonessentials. Fix things first.

Don’t worry about buying furniture, changing your cabinets, decorating or personalizing your home right away. Right now, your focus should be on repairing and replacing.

    • Take care of any maintenance and repairs that you can do yourself, such as painting walls and replacing doorknobs and locks.
    • Hire a qualified contractor for electrical work, plumbing, roof repair, gas appliances, and to handle any toxic materials like mold or asbestos.
    • When choosing a contractor, get cost estimate quotes from three different providers. This will help you find the one that is most cost-effective.
    • Make sure any contractors you use are licensed to work in your state. Ask for references and talk to some of their past clients.

 

Tip #2: Seal your home. Check your insulation and look for small air leaks.

Insulation is the material that keeps the heat in your home during the winter and the cool in during the summer. When you have the right amount of insulation, and no air leaks around openings like doors, it will help to lower your heating and cooling bills

    • Check to see that you have at least six inches of insulation in your attic. You will need more in colder climates.
    • Don’t forget to insulate around the attic opening. That’s a common place to lose heat.
    • Wrap any exposed water pipes in insulation. This will help prevent frozen pipes.
    • Caulk and weatherstrip to seal small air leaks around doors, windows, and electric outlets. These are all places where air can get in and out.

 

Tip #3: Regulate the temperature in your home.

Your home’s heating and cooling systems work to keep things comfortable—at a cost. You can help reduce those bills with a few simple adjustments.

    • Install a programmable thermostat. This allows you to raise the heat while you’re at work and cool down when you are home during the summer months and vice versa for the winter.
    • Lower the temperature on your hot water heater to 120 degrees F. Not only will it help with your energy bill, but it will also help prevent scalding burns.
    • Install ceiling fans. This is a great way to move air around, and help reduce the amount of air conditioning you need.
    • Close the blinds to block the sun which can heat up your house.

 

Tip #4: Watch for standing water or water leaks.

A sudden increase in your water bill is a sign that you probably have a leak. Keeping on top of these repairs is an easy way to prevent this unnecessary cost.

    • If you have a dripping faucet, repair or replace it as soon as possible.
    • Check under the sinks for wet spots that may indicate leaky pipes.
    • If your toilet is constantly running, that could raise your water bill as well. You may need to replace a part such as a flapper, fill valve or chain.
    • Check for a leaky toilet. Remove the tank lid and put a few drops of food coloring in the back of the tank. Wait 30 minutes without flushing your toilet. If you see the color in the toilet bowl within that time, you probably have a leak.

 

Tip #5: Take advantage of tax benefits and incentives.

As a homeowner, you may qualify for tax benefits and incentives if you itemize deductions on your tax return. Consider hiring an accountant to help you maximize your refund.

    • Mortgage interest is deductible.
    • Home equity loan interest is deductible if you spent the money on home improvements.
    • You may get a tax break for paying property taxes.
    • If you work at home, you can deduct home office expenses.

Tip #6: Pay off your mortgage early.

You can reduce the amount of interest that you pay if you budget correctly and pay off your mortgage early.

    • Switch your mortgage to a biweekly payment. If your monthly payment is $1,000, pay half, $500, every two weeks. You will pay the same amount that you would, but will end up making 13 full payments instead of just 12 in a year. You also will rack up less interest, which is calculated daily. Overall, this will end up saving you thousands of dollars.
    • Make extra principal payments when you send your monthly payments.
    • Consider using any windfalls, such as your tax refund, as payments toward your principal.

 

Tip #7: Update your insurance.

Your home is likely your largest investment. Make sure it is protected with the right insurance.

    • Your mortgage lender requires homeowner insurance. Many homeowners pay the mortgage lender who in turn pays the insurance company through an escrow account.
    • Consider bundling your car insurance and homeowner insurance to save money.
    • Make sure that you have disability income insurance so that you can continue to pay for your home in the event you are unable to work.
    • If you live in an area that floods, consider adding flood insurance. Similarly, there is earthquake insurance.
    • Consider an umbrella policy for extra coverage beyond your homeowner policy.

 

 

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.

Household Dangers to Your Fur Babies

Household Dangers to Your Fur Babies

Like our real children, there isn’t much we wouldn’t do for our fur babies. They give us so much love, and they trust us to keep them fed, sheltered, and safe. But did you know, you might be putting them in danger without even knowing it?

Some common household items can be toxic to pets. Here’s what you need to know to pet-proof your home.

 

In the Kitchen

Many of the foods we enjoy are not good for our pets. In fact, these foods can make them very ill. The things we throw into our trash are potential hazards, too.

Foods to avoid include coffee grounds, tea, chocolate, avocado, unbaked dough, grapes/raisins, salt, macadamia nuts, onions, garlic, and anything with the artificial sweetener xylitol. Also, avoid alcohol. For a more detailed list, click here.

Watch out for choking hazards. Fruit pits are common hazards. Plastic bags can choke or suffocate your fur baby. Rubber bands and string can also be problematic.

Never give your dog cooked bones, such as from your family dinner. Cooked bones are brittle and can splinter in a pet’s mouth. Raw bones generally are safer. Avoid any bone that your dog could easily swallow whole. Also, stay away from pork bones which easily crack, and rib bones that can get stuck in your fur baby’s throat.

 

Steps to take:

    • Keep a list of harmful foods in your kitchen for easy reference.
    • Check ingredients before you give human food to your pet.
    • Supervise your pet whenever he/she is eating.
    • Secure your kitchen garbage so that pets cannot access it. Put it behind a closed cabinet door or buy locks for your trash cans.

 

In the Bathroom

From the medicine cabinet to the shower, bathrooms are filled with hazards for our furry friends. Remember that cats can jump up to high places, so store your hazardous items accordingly.

Medicines that are especially dangerous to our fur babies include non-steroidal anti-inflammatory drugs such as aspirin, ibuprofen, and naproxen. Acetaminophen is also poisonous. So are cold medicines, antihistamines, antidepressants, and prescription drugs.

Soaps and toothpaste can cause stomach upset if ingested. Commercial cleaning products, if stored in your bathroom, are a danger. Pets also like to drink from the toilet. If you’ve added a toilet cleaner to the water, that could make them sick.

 

Steps to take:

    • Store any hazardous materials behind closed cabinets and out of reach.
    • Use soap pumps rather than bars of soap.
    • Keep the toilet lid closed.
    • You can make your own natural cleaning solution of baking soda and vinegar. Mix one-part baking soda to two-parts vinegar (e.g. ¼ cup baking soda and ½ cup vinegar). Pour the mixture into a spray bottle.

 

 

In the Living Room or Den

 

We spend a lot of time relaxing in our living rooms and dens, and don’t give a second thought to the items around us that could be dangerous. From plants to electric cords, there are plenty of hazards.

Plants are a top hazard, as many can be poisonous to pets if eaten. These include lilies, foxgloves, azaleas, rhododendrons, tulips, chrysanthemums, rhubarb leaves, shamrocks, fungi, autumn crocuses, aloe vera, and poinsettias. For a more detailed list, click here.

Scented potpourri and tobacco products also are toxic to pets. Surprisingly, pennies minted after 1982 are as well, as they contain zinc.

Keep your fur babies away from small items like buttons and jewelry which may be swallowed. Be extra careful around objects with open flames like candles and fireplaces. Teething puppies and curious kittens may go for electric cords, too.

 

Steps to take:

    • Remove any toxic plants.
    • Do a quick check daily for small items and other hazards.
    • Choose flameless candles to prevent pet burns. Secure your fireplace with a mesh screen to keep pets away.
    • Use furniture to block access to electric cords, or purchase pet-friendly cord protectors. You can also try an anti-chew spray available at most pet stores, or make your own from two parts apple cider vinegar to one-part white vinegar.

 

 

In the Bedroom

Bedrooms contain some of the same hazards mentioned earlier, but in addition, often have windows and sometimes balconies. Even though your cat may climb to the highest spot in your home, and jump down seemingly without effort, it is dangerous to let your cat near an open window or on the balcony. Falls from that height can severely injure and even kill them.

People also sometimes store their winter wool clothes in mothballs. They contain a high concentration of insect repellant and can be toxic if ingested. Even the fumes can affect your pets.

 

Steps to take:

    • Keep your windows closed when possible and definitely if you are not around to supervise your pet.
    • If you open a window, see if you can do so from the top only. Make sure the window screen is secure, and cannot be pushed out easily.
    • Do not allow cats on balconies or to sun themselves on the window sill of an open window. If startled, the cat could lose his/her balance.
    • Do not store your clothes in mothballs, or if you do, keep them up in an attic or a place that is inaccessible to pets.

 

In the Laundry Room

Those fabric softener sheets that you toss into the dryer to reduce static cling are a danger to your fur baby. They are infused with chemicals that can make them sick. Commercial laundry soap is also toxic. Those pods that attract kids also interest pets. Finally, washers and dryers are favorite hiding places for kitties.

 

Steps to take:

    • Choose brands of detergent and fabric softener sheets that use plant-based ingredients and are safe for pets. Avoid pods.
    • Store all supplies behind a cabinet and/or out of reach of curious pets.
    • Always check your washer and dryer before you use it.
    • If you have a door to the laundry room, close it so that pets don’t get in while you’re not there.

 

 

In the Garage

We store a lot in our garage, and many of the items are not good for pets. These include antifreeze, alkaline batteries, herbicides, insecticides, wood glue and adhesives, and paint. In addition, warm cars are favorite places for cats to nap on a cold winter’s night.

 

Steps to take:

    • Store any chemicals and hazardous materials out of reach of your pet.
    • When possible, purchase pet-safe alternatives such as de-icing salt that won’t harm their paws.
    • Check for animals in and around your car before you drive it. Give the hood of your car a couple of hard knocks or honk your horn before you start your engine.
    • Never keep your pet in the garage, even safely in a crate. Garages have dangerous temperatures (low and high) as well as fumes and other hazards that could affect their health.

 

Finally, hazards also appear during the holidays. Check out these articles for Christmas and winter holiday safety, Halloween safety, and fireworks safety for your fur babies.

If you suspect your pet came in contact with a household danger, call your vet immediately. You may also reach the ASPCA Animal Poison Control Center at 1-888-426-4435.

And for more tips on how to be a responsible pet owner, click here.

 

 

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.

 

Do You Keep Your College Student on Your Policy?

Do You Keep Your College Student on Your Policy?

Your student is headed to college out-of-state – or across the state. It’s a milestone, and you’re helping them set up all of the necessary items associated with that big move, furniture, textbooks, food, cleaning supplies, etc.

In the midst of all of your preparation, don’t forget one of the most important items – insurance. Whether they stay on your policy or decide to get one of their own, you want to make sure your son or daughter is fully covered in terms of car and home/renters insurance.

Auto Insurance

Here are some common auto insurance questions for parents of college students.

 

My student won’t have a car away at school; do I still need to keep them insured?

Some students drive thousands of miles away so they can have their car with them, but others would rather keep their cars at home, and opt for flying in and using public transportation when they arrive. To avoid overcrowding, some schools even set limits on who can have cars on campus.

If your son or daughter will not have a car at college, you should still keep your student on your auto policy. This will avoid a lapse in coverage, and he/she may need to drive in an emergency and also will be coming home for breaks. (If your child has a car that will be kept at home and not driven while he/she is at school, ask your insurance company whether you qualify for a discounted rate.)

 

Do I need to change my insurance coverage to the state where the college is located?

Since college is not considered a permanent address, your student can keep his state driver’s license and the car may be registered and insured in your home state. However, you will want to check the insurance requirements where your student is attending college—and make sure that your state’s policy meets their minimum standards in the event of an accident. Either way, make sure that you notify the insurance company that the car will be kept in a different state so that they may update their records.

 

Should my student get his/her own auto policy?

As long as your son or daughter is still living with you, and you own the car he/she is driving, there is no need to get them their own car insurance, unless you would like to. There also is no specific age where you have to make that transition. A common time to switch to their own policy is when young adults move from the family home to their own first apartment.

If your student is living off-campus, and maintaining that address year-round, you may consider a separate auto policy.

 

Are there any discounts that we qualify for?

Your student may qualify for a good student driver discount, available from many insurance companies with proof of grades. Ask your insurance agent for other discounts that may be available.

Don’t forget! If your student is enrolled in school full time, was a resident of your household before moving out to attend school, and is a relative 24 years or younger or 21 or younger and in your care, your California Casualty homeowner’s policy offers the personal property protection they need as well.

Whether your child stays in a dorm on campus or resides in a leased residence off-campus, 10% of your homeowner’s personal property coverage (coverage c) extends to their possessions while they are away. If you believe they need more than that 10% coverage – for expensive musical instruments or computer equipment – then consider adding a scheduled personal property endorsement to your policy. With computers, tablets, smartphones, gaming systems, furniture and clothes, you would be spending thousands of dollars to replace your student’s possessions without this layer of protection. 

You can’t be with them at college, but you can still protect them—with the right insurance.

 

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.

 

Outdoor Recreational Safety Tips

Outdoor Recreational Safety Tips

Summer is the perfect time for outdoor adventures. Whether you like hiking, biking, swimming or camping, there are plenty of activities to enjoy and places to explore. 

While we have fun, it’s also important to remember that sometimes our outdoor excursions come with unexpected risks. From weather to wildlife encounters, make sure you and your family take the right precautions to stay safe. Follow these tips as you enjoy the great outdoors this summer.

 

Tips for Water Safety

In the U.S., 11 people die from drowning each day, according to the CDC. Children ages 1-4 are at the greatest risk, but drowning is also the second leading cause of accidental death among children ages 1-14. 

These tragedies can be easily prevented with simple pool safety and water safety measures.

    • Never swim alone. If possible, swim in the presence of a lifeguard.
    • Teach children to swim. Even toddlers can learn water survival skills, according to the American Academy of Pediatrics. But remember that swim lessons do not guarantee your child can protect himself/herself from drowning.
    • Designate a water watcher whenever your child is in the water. Avoid distractions, such as from phones. Drowning can happen in an instant.
    • Don’t let children play around pool drains or suction fittings.
    • Learn CPR in case you need it.
    • Wear lifejackets if on a boat. 
    • Remember that swimming in a pool is different from swimming in a lake or in the ocean. There are currents and undertows.
    • Don’t drink alcohol while swimming.
    • Pool Safely is a national public education campaign. Take the Pool Safely Pledge and get a free downloadable safety kit.

 

Tips for Hiking Safety

Whether it’s a national park or a local trail, hiking is a popular way to connect with nature. Making the right preparations will help ensure that you can enjoy the scenery without worrying about injury.

    • Know exactly where you are going. Consult with experts who have been there on what you need.
    • Check the weather forecast and then recheck it. Bring any additional supplies you will need in case the weather turns.
    • Do not hike alone. Travel with someone else, and if you’re going to a remote area, try to travel with a small group 
    • Know the nearest ranger station and the number in case you need help.
    • Do not go into an area marked closed.
    • Leave a copy of your itinerary with a trusted friend or family member. Include details such as your destination, the timeframe of arrival and departure, phone numbers of people you are with, specific trails and campgrounds, and even the car you will be driving. This will help in case you are lost.
    • Pack the essentials. These include a first aid kit, compass, flashlight, matches, knife, food, water, toilet paper, duct tape, trash bag, whistle, bug spray, sunscreen, and a solar charging power source.
    • Stay hydrated and know the signs of heat exhaustion. Infants and young children, as well as people over age 65, are at the greatest risk.
    • If taking your dog on a hike, make sure he/she is protected against fleas and ticks. Bring water for your dog and take care that he/she does not get overheated.

 

Tips for Camping Safety

Being close to nature means that many of the hiking safety tips, above, will apply. In addition, you’ll want to take these added precautions.

    • Arrive early so you can make camp before dark. Give yourself two hours of daylight to set up camp. Learn your campsite in the daylight so you have an idea of where things are before dark. 
    • Don’t pitch your tent near the tallest trees in case of a lightning storm.
    • Build campfires in a safe area, away from trees, bushes, and other flammable objects.  Beware of post-fire embers. 
    • Do not leave food or garbage in the open.
    • Never approach or feed wildlife. 
    • Know that If animals feel cornered, they could bite, scratch or attack. Wild animals may transmit rabies.
    • Practice good hygiene. Wash hands before handling food.

 

Tips for Bicycle Safety

Biking is great exercise and another fun family activity. Hit the road safely with these tips.

    • Many states require bicycle helmets for children under 18. But helmets are good protection for everyone.
    • Dress in bright colors so you will be seen.
    • Wear sunglasses to protect your eyes and sunscreen to protect your body.
    • Never ride with headphones or earpieces. You want to be able to hear what’s going on around you.
    • Choose routes that have wide roads or bike lanes. Observe all traffic laws and be aware of drivers.
    • Bring a patch kit in case you need to repair a tire or tube.
    • Stay hydrated. Bring water with you. 
    • Carry some emergency cash in case you need it.

Whether you are traveling by car, plane, or RV always remember to travel safe and plan ahead of your adventure.

 

 

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.

Summer Fire Prevention

Summer Fire Prevention

Planning to fire up the grill or gather around the fire pit this summer? While these fun activities are great ways to spend the season with your family and friends, they also come with a risk of fire-related injuries.

If you’re hosting an outdoor gathering or handling potentially hazardous materials like fireworks, it’s important that you take the proper fire safety precautions. Here’s what you need to know to stay safe and prevent an injury or accident this summer.

 

1. Fire Pits

There’s nothing better than taking advantage of your fire pit on a cooler summer evening. But if you haven’t set up for safety, there could be dangerous consequences.

    • Position your fire pit so it is at least 10 feet away from your house and anything that can catch fire. This includes trees and bushes.
    • Avoid burning treated wood, wet wood, or anything that gives off a gas or dense smoke.
    • Don’t use flammable fluids to start or relight a fire. They can cause an explosion or turn a controlled fire into an uncontrollable one.
    • Consider a fire screen to catch stray sparks.
    • Have a fire extinguisher on hand and/or a bucket of water.

 

2. Barbecue Grills

Barbecues are the centerpiece of our summer celebrations. But cooking outdoors comes with its own share of hazards. Propane is used to power some grills. It is a highly flammable substance that can burn if it comes in contact with your skin. Charcoal briquettes also can cause burns and fires if not properly attended. Follow these tips for grilling safely.

For propane grills:

    • Be careful not to overfill a propane tank.
    • Check the connection between the propane tank and the fuel line to make sure there are no leaks. You can do this by making a solution of 50% liquid dish soap and 50% water, and brushing it on the hose connections. If there are leaks, you will see air bubbles when you turn on the propane.
    • Store your tank in a safe location, upright and away from a heat source. Do not store a propane tank inside your house.

For charcoal grills:

    • Use plenty of water to douse hot coals after you’re done cooking. Give them a stir to make sure there are no lit embers.
    • Do not put the coal and embers in plastic, paper, or wooden containers after use. They could still be hot enough to start a fire.

3. Campfires

Sitting around the campfire and roasting marshmallows is a highlight of camping. But did you know that campfires can get as hot as 932 degrees Fahrenheit in just 3 hours? Their embers stay hot long after the fire is done—hot enough to burn someone who comes in contact with them eight hours later!

    • Choose a location for your campfire that is away from dry grass and trees and from your tent.
    • Add rocks around the perimeter of your campfire to help contain it.
    • Enforce a 3-foot perimeter around fires that is the kid-free zone and pet-free zone.
    • Never use gasoline to start a campfire or add it to an open flame.
    • Put out your campfire before going to bed. Drench it with water and bury it with sand. That will help prevent the fire from starting again from the embers.

 

4. Fireworks

Fireworks are fun, festive, and a much-loved part of our patriotic celebrations. Yet fireworks send thousands of Americans to the ER  every July. While you can enjoy the public fireworks without too much worry, doing them on your own requires a few additional safety precautions.

    • Buy fireworks from a reputable seller.
    • Store them safely away from children and pets in a locked box in a cool, dry place.
    • Carefully read and understand all instructions.
    • Avoid alcohol while using fireworks. Not only could it impair you, alcohol is highly flammable.
    • Keep onlookers 60 feet away from the place where you’re setting off fireworks.
    • Light one at a time. Light the fuse at the tip, not the bottom.
    • A barbecue lighter works well to help keep fireworks at arm’s length.
    • If a firework does not light, do not attempt to relight it. Wait at least 30 minutes to retrieve any fireworks that did not ignite.
    • Never allow children to handle fireworks. Children ages 8 and older may hold sparklers with proper supervision. Sparklers could easily catch a child’s clothing on fire or cause blindness if in contact with a child’s eyes.

5. Lawnmowers

You may not think it, but your lawnmower is a fire risk. Any lawnmower, electric or gas, can catch fire and ignite items around them including your home. Fires may be caused by leaking fuel or fumes from a gas mower. Electric mowers may short circuit, causing a fire. In addition, a hot mower can ignite dry grass that is packed into it.

    • Start mowing at your house and head away from it. This will reduce the chance that a hot mower is near your home.
    • Never add fuel to a hot motor. Wait until it cools down.
    • Avoid moving in hot, dry, windy weather, or if you do, wet down the grass first.
    • Use a hose to clean out grass from mower blades.
    • Make sure the area you’re mowing is clear of rocks. Even tiny rocks can cause a spark when it strikes the mower’s blades at high speed.
    • Follow your mower’s recommended maintenance plan to ensure everything is in good working order.

6. Recreational Vehicles

Traveling in an RV is a dream. Having a fire in an RV is a nightmare. Powered by propane, a hazardous substance, and electric generators, which produce exhaust gases, RVs can be a fire risk.

    • Make sure you have installed a smoke detector, carbon monoxide detector, and a propane leak alarm.
    • Check the RV’s mechanical and electrical systems to ensure they’re in good working order.
    • Look for frayed electric cords on any appliances in the RV.
    • When cooking, never leave the stove unattended.
    • Store clothes and flammable objects away from the cooking area.
    • Store the propane tank outside, but not in the back or you could be at risk in the event of a rear-end collision.
    • Let the generator cool down before refueling.
    • Add RV coverage to your insurance policy.

 

7. HVAC (Heating, Ventilation, and Air Conditioning) Systems

During the summer, we run our air conditioning for long periods of time. Hot temperatures can strain air conditioning units. If your system is dirty, it could short circuit, causing a fire to start.

    • Have your HVAC system cleaned at least once a year.
    • Replace vents and exhaust fans as needed.
    • Check your smoke detectors to make sure that they are in working order so they may warn you of a fire.

 

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.

 

 

 

 

Getting Rid of Humidity in Your Home

Getting Rid of Humidity in Your Home

Summer is here and (unfortunately for most) so is the heat and humidity. But humidity in your home isn’t just uncomfortable. Did you know it can also do some serious damage to your house and your health?

Humidity describes the amount of moisture in the air. When the humidity is high, a hot day feels that much hotter. When there’s too much humidity inside your house or apartment, mold and mildew begin to take hold, rotting the wood and creating the ideal environment for dust mites and other allergens. If you’ve ever noticed a musty odor in your home, chances are you are smelling mold and mildew. And if you have asthma or allergies, this can make your symptoms that much worse.

 

What causes humidity?

Cooking, bathing, washing dishes, and line drying clothes inside can all add moisture to the air inside your home. Leaks in your pipes or cracks around your doors and windows can let in humid air, as can dampness from your home’s crawl space. Even houseplants can create humidity.

 

How can you tell if your home is too humid?

Look for condensation on windows or wet spots on ceilings or walls. You may notice mildew and mold. You also can measure humidity with a hygrometer, available inexpensively online. The ideal humidity indoors is between 30-50%.

 

Tips to reduce humidity

The good news is that you can take steps to decrease the humidity in your home—and improve your air quality while reducing your cooling costs. Here’s how.

Tip #1: Running your air conditioner will help with humidity.

    • Set your air conditioner to “auto” rather than “on.” During the “on” setting, your air conditioner blows air over a wet coil which can create more humidity.
    • Make sure your air conditioner is well maintained. Change the filters. Keep drip pans and drain lines clear and clean.
    • If your air conditioner is too big for your home, it will have shorter cooling cycles. That won’t be enough to reduce your home’s humidity.

Tip #2: Buy a dehumidifier or consider these DIY alternatives.

    • Since lower humidity feels cooler, a dehumidifier will allow you to reduce the use of your air conditioner, thus reducing your cooling costs.
    • Though not as effective as a dehumidifier, you can try DIY versions:
      • A basket or can of charcoal briquettes can absorb humidity in a room. Replace it every 2-3 months. 
      • Rock salt or kitty litter also absorbs moisture in the air. Take two similarly size buckets. Drill holes in the bottom of one. Stack the drilled bucket inside the other bucket – making sure to leave a gap. You may wish to put an object in between the buckets to create that space. Fill the top-drilled bucket with salt or kitty litter. Then, check it every few days. Water will collect in the bottom bucket. Empty as needed.

Tip #3: Fix leaks and gaps.

      • Fix leaky faucets and pipes so there’s no excess water in your home.  
      • Put caulk and weatherstripping around doors and windows to keep cool air in and hot, humid air out.

Tip #4: Create airflow.

      • Install vent fans in the kitchen and bathrooms. Keep them on a little longer after showering or cooking. Fans move air around and help with evaporation.
      • Make sure there is ventilation in your attic. A lack of airflow can cause condensation, creating mold growth in your home’s structure.
      • If you have a sealed, unused fireplace, that can cause condensation. Make sure there is airflow or it could affect your walls.

Tip #5: Limit humidity from under your home.

      • Cover dirt floors in your crawl space with a vapor barrier. This piece of plastic will help contain the humidity below your house.
      • Slope the soil away from your foundation so water doesn’t pool underneath your home.
      • Keep gutters and downspouts clear so you don’t have standing water. Extend your downspouts so they flow away from your home.

Tip #6: Be conscious of daily living choices.

      • Instead of hanging clothes inside to line dry, hang them outside (if allowed in your community).
      • Lower the temperature of your showers by a few degrees, and take shorter showers. This will help reduce humidity.
      • Crack the window open during a shower to help release the extra humidity.

Tip #7: Position your house plants to help with humidity.

      • Some house plants produce moisture and others absorb it. A Boston fern will absorb humidity while a spider plant will make it more humid.
      • Move your moisture-producing plants to one room with good airflow or outdoors if possible.

Follow these steps and you’ll soon be enjoying a cooler, more comfortable home.

 

 

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.

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