House buying/owning advice

[wetwillie]

I'm meeting with our home owner's insurance rep this week. What do I need to make sure my insurance plan has besides hail damage ad deductibles.

Replacement value not actual cash value for contents

[puniraptor]

I got about 15 quotes and everyone seems to cover the same stuff. I would add sewer backup coverage. Its not a rare problem in many mhk neighborhoods and only costs a few more bucks a month

[WonderMeal]

k-s-u-w should just start a thread where everyone asks him money questions. would be good.

Would read.

[Panjandrum]

I'm meeting with our home owner's insurance rep this week. What do I need to make sure my insurance plan has besides hail damage ad deductibles.

If you live in a flood plane, flood insurance. 

Also, Earthquake insurance is very minimal, and I'm pretty sure we're somewhere in an area that can get some form of damage in the Kansas/Missouri area.

[puniraptor]

flood insurance is probably necessary but also total bullshit. it's expensive and has a high deductible and doesnt cover basements. basically only get flood insurance if you dont have a basement.

[slobber]

Get a high deductible.


Gonna win 'em all!

[Panjandrum]

Thoughts on smart thermostats?  Heard sketchy things about Nest.  Heard Honeywell has some good ones.

Anyone have one and are they worth the investment?

[XocolateThundarr]

Thoughts on smart thermostats?  Heard sketchy things about Nest.  Heard Honeywell has some good ones.

Anyone have one and are they worth the investment?

I've had the a Nest in my house for probably 3 years.  Absolutely love it compared to other programmable thermostats we have had.  Easy to install and set up.

[Rage Against the McKee]

I'm meeting with our home owner's insurance rep this week. What do I need to make sure my insurance plan has besides hail damage ad deductibles.

Don't live in a flood plane.

FYP

[Mrs. Gooch]

I'm meeting with our home owner's insurance rep this week. What do I need to make sure my insurance plan has besides hail damage ad deductibles.

Pay attention to how much the roof deductible is. It is usually (sometimes) higher than the regular deductible so be aware of that.

[06wildcat]

flood insurance is probably necessary but also total bullshit. it's expensive and has a high deductible and doesnt cover basements. basically only get flood insurance if you dont have a basement.

Flood insurance is expensive only when required by a lender. If it's not, it's like $200/year. And you can usually get a rider to cover a finished basement, or realize that the majority of basements aren't built as habitable spaces and finish it accordingly.

[IPA4Me]

Thoughts on smart thermostats?  Heard sketchy things about Nest.  Heard Honeywell has some good ones.

Anyone have one and are they worth the investment?

If looks matter, then Nest is the way to go. It is certainly more appealing than most thermostats. If you want similar connectivity and half the cost, look at the Honeywell Vision PRO 8000.

If you have a hvac system less than ten years old, be certain to connect a common wire. Nest will power steal but it doesn't play well with newer furnace and heat pump control boards.

[GoodForAnother]

Thoughts on smart thermostats?  Heard sketchy things about Nest.  Heard Honeywell has some good ones.

Anyone have one and are they worth the investment?

this is so last page

[star seed 7]

Thoughts on smart thermostats?  Heard sketchy things about Nest.  Heard Honeywell has some good ones.

Anyone have one and are they worth the investment?

If looks matter, then Nest is the way to go. It is certainly more appealing than most thermostats. If you want similar connectivity and half the cost, look at the Honeywell Vision PRO 8000.

If you have a hvac system less than ten years old, be certain to connect a common wire. Nest will power steal but it doesn't play well with newer furnace and heat pump control boards.

the only guy who says honeywell is a honeywell rep...

[GoodForAnother]

can the Honeywell talk to its bro downstairs and turn my dual AC system into a harmonic chorus of comfort?

[CNS]

I may be wrong,  but isn't the point of two tstats so that you can treat both areas completely diff/separately?   

[GoodForAnother]

the point of two thermostats is to be able to set different temps for different areas of the house and heat/cool more evenly.  the nests will link up to each other, but still learn each area of the house independently.  the main reason they talk to each other is when going into "away" mode, the systems won't turn off until both systems motion detectors stop detecting movement.

[IPA4Me]

Thoughts on smart thermostats?  Heard sketchy things about Nest.  Heard Honeywell has some good ones.

Anyone have one and are they worth the investment?

If looks matter, then Nest is the way to go. It is certainly more appealing than most thermostats. If you want similar connectivity and half the cost, look at the Honeywell Vision PRO 8000.

If you have a hvac system less than ten years old, be certain to connect a common wire. Nest will power steal but it doesn't play well with newer furnace and heat pump control boards.

the only guy who says honeywell is a honeywell rep...

And the Nest rep.

[star seed 7]

Last thermostat I bought was a bottom of the line $12 Honeywell, they fill that niche well

[IPA4Me]

Whatever fits your budget. Honeywell has it covered. We are seeing an increase in Nest movement. They've finally put together some advertising outside of tech blogs.

[GoodForAnother]

the house we're now finalizing the numbers on is a ranch, so only one unit.  I will likely go nest because so pretty!

it's .6 acres tho and v hilly and tree-y.  at first I thought riding mower but with the trees and steep inclines I think maybe a large self propelled, like one of those fancy hondas?  help guys!

[sys]

the house we're now finalizing the numbers on is a ranch, so only one unit.  I will likely go nest because so pretty!

it's .6 acres tho and v hilly and tree-y.  at first I thought riding mower but with the trees and steep inclines I think maybe a large self propelled, like one of those fancy hondas?  help guys!

groundcover it.  mowing will be hell.

[GoodForAnother]

the house we're now finalizing the numbers on is a ranch, so only one unit.  I will likely go nest because so pretty!

it's .6 acres tho and v hilly and tree-y.  at first I thought riding mower but with the trees and steep inclines I think maybe a large self propelled, like one of those fancy hondas?  help guys!

groundcover it.  mowing will be hell.

planning on doing retaining walls and ground cover around a lot of the trees because in some areas the grass won't grow.  I like grass tho so I won't kill it all.  a big chunk of the land is covered by house, large patio and the driveway wraps around the back of the house which takes up the entire side yard so it's not really that awful.

[CNS]

Rider

[CNS]

Or get a lawn guy.