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The Best Metal Cutting Tools

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Read this guide to learn about the best metal cutting tools to have on hand, and the best methods to cut common items, such as sheet metal, studs, and pipes.

The best metal cutting tool depends largely on the type of metal being cut, the quantity, and also on your experience level. A few cuts here and there require a much different tool from, say, the bulk cutting of corrugated sheet metal for a new roof.

Take Safety Precautions

Cutting metal is a dangerous job. Once the cutting tool touches the metal, hot, sharp fragments will get thrown into the air and could cut or burn you. In addition to following each tool’s safety instructions, it is imperative to wear protective gear, including safety glasses, a face shield, and ear protection (cutting metal can be loud enough to cause hearing loss if ears are unprotected).

Cover your arms with a long-sleeved shirt and wear pants made from fire-resistant materials. Don steel-toe work boots to protect your feet, and puncture-resistant gloves to protect your hands from getting cut by sharp edges or burned by hot metal. Metal-on-metal friction promotes heat, so don’t touch any metal pieces until they’ve cooled down thoroughly. And don’t let anyone else in the area unless they are wearing the proper attire as well.

Lastly, keep flammable liquids away from the area so when sparks are thrown, you don’t accidentally set your workshop or house on fire.

Metal Gauge

Before you get started, make sure the metal gauge (the thickness of the metal) and the tool you’re about to cut it with are compatible. Otherwise, you’ll end up destroying your blade or tool and possibly ruining the piece of metal you were cutting in the process.

Metal Cutting Tools and Methods

Hacksaw

The original metal-cutting tool, the manual hacksaw, is an easy, inexpensive option for cutting through metal (and a slew of other materials). Ideal for small projects and home improvement needs, the hacksaw is typically one of the first tools a homeowner purchases, thanks to its low cost and versatility.

Tin Snips

Like a pair of scissors, tin snips are an inexpensive handheld tool that cuts straight, or if the blade is curved, can cut curves and circles. Tin snips are ideal for cutting soft metals like aluminum and copper, and are especially useful for cutting sheet metal, gutters, metal roofing, and studs. Thanks to their sharp blades, tin snips typically leave a smooth edge.

How To Cut Corrugated Metal with Tin Snips

  1. Don safety gear and follow all safety precautions.
  2. Hold the tin snips as you would a pair of scissors.
  3. Open the blades as wide as possible, and then make long, smooth cuts.
  4. If one side of the metal rides up, roll it back to keep it from getting in your way, and keep cutting through the piece until you are finished.

Metal Air Shears

An upgrade from the manual tin snips, this power tool comes in handy when your project calls for cutting bulk or long metal sheets. Not only can it make a lot of clean cuts quickly, but it can also handle a thicker-gauge metal.

Angle Grinder with Cutoff Wheel

The angle grinder is a useful power tool that’s as versatile as they come. In addition to cutting stone, tile, concrete, and mortar, this tool can cut a variety of metals, from aluminum to steel, by simply changing the cutting wheel to a metal cutoff wheel. Particularly helpful when you don’t need a super-smooth edge, the cutoff wheel can cut through rebar, fencing, rusted bolts, and particularly hard metals, such as steel, fairly quickly.

Cold Saw

Unlike a chop saw (which is like an angle grinder but much bigger), a cold saw uses a coolant feature to keep the metal that’s being cut friction-free and not too hot, while offering clean, precise cuts. A cold saw’s an expensive tool, but if you’re fabricating and cutting metal regularly, it’s worth the investment; the blade won’t wear out as quickly as it typically does in other metal-cutting tools, and you won’t have to replace it as often.

Circular Saw with Metal Cutting Blade or Metal Circular Saw

Roofing, sheet metal, and corrugated metal—basically any metal that generally requires just a simple, straight cut—can be cut by a circular saw with the right blade. And, depending on the blade you choose, you may be able to stack up a couple of pieces and cut them all at once, reducing your cutting time.

How To Cut Metal Roofing With a Circular Saw

  1. Don safety gear and follow all safety precautions.
  2. Install a metal cutting blade into the circular saw.
  3. If there is a front and a back to the metal roofing, cut so the back side is facing up.
  4. Mark the line where you’ll be cutting the metal and proceed to cut down the line.

Band Saws

Not only great for bulk cutting of tubes and flat stock, but band saws are also precise—optimal for cutting out custom shapes or tricky angles. The type of metal, its gauge, and your blade choice will influence the cutting speed.

How To Cut Metal Pipe With a Band Saw

  1. Don safety gear and follow all safety precautions.
  2. Insert the pipe into the vise grip on the machine, perpendicular to the blade.
  3. Turn the saw on and lower the blade slowly, adding slight pressure to the pipe.
  4. Keep adding slow, consistent pressure until the pipe is cut.
  5. File away any burrs.

Oxy-Acetylene Torch

This tool mixes oxygen with acetylene (a hydrocarbon gas) from tanks, and once you light the nozzle, a high-temperature flame will allow you to cut thick pieces of metal that are otherwise impossible via other methods. The torch is also faster and much quieter than a saw, but does require some practice to use it properly.

Most of these methods won’t leave burrs or sharp edges when used correctly. If they do, you may be cutting too fast, or your blade may have become too dull. To remove a burr, enlist the help of a deburring tool, metal file, or attach a flap disk to your angled grinder to smooth your metal pieces.

Emily’s Best Friend Gets The Cozy Yet Sophisticated Bedroom Makeover She Really Deserves

Today’s reveal is for one of my best friends (Suzanne) who you have seen around here putting edgy clothes on my body and helping me try on 18 pairs of clogs for our journalistic pre-pandemic clog review. She is a single mom and like so many people I know right now, deserves a warm hug of a room. Life is stressful for anyone in our current *climate* (cough cough), and all you single parents out there, sharing custody during this pandemic, well you deserve more than a big hug. So Julie and I set out to make her room feel like a peaceful, sophisticated, uncomplicated, retreat that she can be really proud of in and spend nights snuggled up with her cute son. It was a room with so much potential, and Julie really made it sing  – or more like hum. She (the room and Suzanne) is quiet and sweet and so so pretty. Head on in and see for yourself.

Hi there, Julie here again and I am so ready to share another room reveal with you all that has been in the works for a minute… or more like 9 months and no that is not the typical timeline for a room design. But then again this hasn’t been a ‘typical’ year for any of us. This room is one of my favorites simply for the fact that when you are in the space or even look at the photos there is a sense of calm that washes over you or dare I say, like you are being hugged. As Emily mentioned above that was the end goal and I think we eventually got there.

But first, here is how the room looked way back when…

If you were to jump into this photo (*Mary Poppins style*) then the door to the hallway would be behind you to your right and the door next to that would lead to the walk-in closet. Having the bed be the first thing in the space you see felt like a better flow, especially when you have a pretty bed like the one we got for her. To solve this design agony we decided to flip flop the room so the bed sits between those beautiful inset windows.

Ahhhh, there that’s better. Now the bed has its own “moment” in the room and plays up the architectural details of the space with its curved ceilings. There were a lot of pieces she had from a previous home where the scale worked but now in a larger room, they felt a bit small. When you have a king-size bed, a general rule is to have your nightstand width between 20-24″ so they feel substantial enough next to the 76″ wide bed. Luckily, she had a guest room that needed some sprucing up so they just got moved into there.

Now for the reveal and everyone, get ready to be hugged. 🙂

THIS BED. It’s amazing and even better in person with that blue velvet fabric catching the light throughout the day! It’s from Ginny’s furniture line with Lulu & Georgia and if you still haven’t seen her full collection then check out this post here and then head over to their site. All of the pieces are timeless with a touch of modern. If I could I would buy them all, especially her sofa bed which looks amazing even when pulled out which is a rarity. It’s all in the details when it comes to a classic furniture design. Speaking of details, the black leather bench at the foot of that gorgeous bed is from Article. I love the U-shaped leg design on the backside and it has just the right amount of tufting. Also, it’s Boris’ favorite spot for a mid-day snooze – that’s Suzanne’s french bulldog who is the cutest snorer in town.

And because I know it might’ve already caught your eye in the first photo let’s get to it and talk about those table lamps. Yes, they are a skosh ’80s/’90s with the tapered shade but that lewk is back. And no, those weren’t the original shade that came with the blue lamp base. Listen, we are all about shaking things up around here – haven’t you read the mix & match lampshade post by now?

The original plan for the room was to transform it head to toe in this amazing lime wash paint from Portola. It was a moody yet happy shade of blue because again when we asked Suzanne what she wanted the room to feel like she simply said, “like a warm hug”. Going darker in the space would’ve been a tonal dream but then the world happened in March and life shifted and well…Suzanne might be moving soon and this house is a rental. It just didn’t make sense to spend the time and money to paint the space just to get it painted back to this color a few months later. In a way, I am happy that we collectively decided to keep it in the warm white where some furniture pieces are now the star of the show. BUT, there will always be a part of my design heart that would’ve loved to see it in the Reservoir color from Portola cause it’s one of those perfect denim blue colors that Emily is always searching for to use.

To keep the bed frame as the star of the show I decided to keep the bedding as neutral as possible. The key to this is to use deliciously soft bedding and in this case, it is pretty affordable as well since it’s all from Target’s new bedding line, Casaluna – with the exception of the lumbar pillow which is a classic Rebecca Atwood design.

If you are on the hunt for a good and SUPER SOFT knit throw blanket then get this one cause it’s all of the above. Plus, it also has a good weight to it for those chilly months when you need a little something extra to keep you cozy throughout the night. Also, that duvet set was designed so smartly – is that a word? It is now! Let me tell you why. First off, it’s again super soft & cute with the subtle fringe detail on the edges, but it also has amazing hidden zippers – it took me a minute to find them haha. But the best part is the duvet. The act of putting on a duvet can be a real struggle, one that can take 20 mins and all of your sanity. But when they are designed right, it’s only about 5 mins and minimal frustration cause let’s be real they are never not frustrating. I bought the linen duvet set and mid weight down comforter for Suzanne and was pleasantly surprised when I found out that the insert has loops to tie to the duvet not only in all four corners but also at the middle at the top and bottom! This means that after night 3 of tossing and turning with your duvet you won’t have to shake it back into place after sagging down. Praise the designer who added this simple little feature, they are a true blessing.

These nightstands were a size upgrade from the previous plus look how well they match with the wood detail on the bed. Meant. To. Be. I love the simple curved design and large single drawer for all your nighttime necessities. You could even use them as end tables in a living room, so versatile! They are from one of my favorite furniture lines by Leanne Ford for Crate & Barrel. If you love a good curve & clean lines then Leanne has got all your furniture needs covered. It’s a minimalist dream and I am here for it.

A little tip, keep the styling (life decor) to a minimum when you have furniture pieces that can stand on their own. A simple bud vase and brass tray is all you need to corral your watch or water glass at night. Plus, since Suzanne has a little boy about Charlie’s age, this is her space to keep the clutter (ahem, toys) out and focus on relaxing at the end of the day because like all you parents out there, she deserves it.

When Sara set up this shot we just both looked at each other with joy. It’s just so good with the reflection of that blue beauty of a bed. We like to pat ourselves on the back from time to time which is a good socially distanced activity you can do with friends and I highly suggest you all try it out now. Feels good right? We all need a little encouragement these days and who better to give it to you, than you!

Now about that mirror, she is large and in charge of bouncing around all that natural light. The thing about living in a house that is over 100 years old is that the hardwired lighting is typically minimal if it hasn’t been renovated in a minute (and this one hasn’t). There are no ceiling or wall lights in this room. So it all comes down to lamps at night and reflecting the natural light as much as possible during the day which this amazing arched floor mirror does that job very well. Oh yeah, it also doubles as an actual mirror too so Suzanne can check out those cute looks she puts together on the daily, like these here. Have you seen her style? Cause it’s real good, I’d let her dress me in her clothes any day of the week. *wink, wink*

Recognize that black side table? Well, you should cause I stole it for the day from Emily’s living room. My plant needed a friend and I knew they’d get along so well. It’s designed by Josephine Forson and her husband Kweku, the tables are made from reforested wood that has fallen from the woodlands in Ghana. It’s not only beautiful but also supports a small business so check them out here on 54Kibo’s site.

There was only one piece of furniture that Suzanne wasn’t partial to parting ways with and it was the dresser which I understand why. It’s from Restoration Hardware, it’s timeless, will hold up for years to come, and was a pretty penny when purchased so there was no point in even thinking about finding a replacement. It works so well in the space with all the new additions and helps to anchor her big TV.

Speaking of that TV, yes I do realize that this is an unrealistic place for a vintage portrait but my stylist brain took over and said goodbye to practicality for this shot. I apologize and realize now that a low tray would’ve been better but it is what it is and let’s just focus on that pretty vase. Or let’s not since it’s now out of stock… here’s the link just in case it magically becomes available again.

MOVING ON!

We love a good ladder look and this one from Industry West is simple with its curves and is just a good piece. But unfortunately, it too is out of stock…keep in mind that a lot of these pieces were ordered pre-pandemic, so at the beginning of the new year when we were ready to install and shoot but again life happened, fast forward 6 months and this is where we are at. You may recognize that Homer table lamp from Emily’s playroom/family room reveal, I can assure you all that I did not steal this one from her – it was vice versa ;). It’s from HumanHome which is one of our favorite lighting companies and we have used them time and time again in my bedroom reveal, the Mountain House living room & upstairs guest bedroom. The light source is at the base of this lamp so when turned on the whole piece is illuminated, it’s so peaceful.

That rug from Loloi Rugs, that you have been seeing little snippets of this whole time, is the foundation of this room and ties in all the pieces. It’s warm yet cool in color and the texture is ideal for those with pets and human pets (children) because it hides dirt and stains so well. Plus it’s so pretty, you can have it all! As Sara was eating her lunch downstairs, I took over as photographer and set up this shot with her permission of course. Well, let me clarify. I set up a shot that was slightly angled and then the actual professional, Sara, made it way better. To me, this shot captures the “warm hug” feeling that Suzanne desired for the space and she agreed. The best part about this job is to make someone feel more comfortable in their home especially now when we are spending more time than ever indoors. Makes me happy to know that they are a little happier in their space at the end of the day.

And what makes my design heart really happy is THAT CHAIR from Industry West. Playing with different scales of furniture was something I wanted to highlight since that is exactly what Suzanne does with her clothing so this bedroom becomes an extension of her fashion style. The chair is like a large puffy sleeve and that black side table is the skinny jean, they play off each other to balance out one another.

No lounge chair area is complete without an ottoman to kick your feet up on and Sika’s Albini Ottoman from One Kings Lane was the ideal piece. Since the chair is visually heavy, it needed to be paired with a light, airy piece and the wood tone helps to “warm hug” up the area which matches the wood detail legs of the chair.

Now that you can get a better look at it, let us admire that one drink table by Katy Skelton. It’s no secret that we are big fans of her designs and this one is no exception. It’s the perfect size for your morning cup of “wake me up juice” or a glass of “destress me please drink” at night (aka 1 pm – That’s the acceptable time now right?). And look at those legs! I had actually wanted it for my bedroom but it was too high next to my vintage siesta chair so I made sure to keep it in mind for a future project like this one. That floor lamp is an EHD favorite from Rejuvenation with its wood base and elongated cylindrical shade it provides great light in the corner day and night. Add in a vintage botanical print from our prop garage to top it off with a pop of color.

Those vines right outside (and a little inside) the windows are just too pretty to clutter up the area so to keep the focus on the vine view we went with some simple white curtains – that of course I procrastinated on and hemmed the night before the shoot – and a wooden bench. It’s really all you need. Plus it is conveniently next to the other closets in the space making for a great spot to put on your shoes or these days, slippers.

Sara and I got a little carried away with shooting this area but c’mon that dappled light is just too good not to photograph it from every possible angle.

Finally, here is the “see it all at once (almost) shot” of Suzanne’s little bedroom oasis. It feels a bit brighter, lighter, and hopefully helps her relax a bit easier at the end of the day.

And as always here are a few “before and afters” for you to enjoy!

Also, if you saw something that you liked then we’ve got you covered. Here are all the room sources below…

1. Arched Mirror | 2. Black Side Table | 3. Lockwood Bed in Harbor | 4. Lampshade (similar) | 5. Blue Table Lamp | 6. Nightstand | 7. Black Leather Bench | 8. Linen Duvet Set | 9. Lumbar Pillow | 10. Natural Rug | 11. Chunky Knit Blanket | 12. Sheet Set | 13. Candle | 14. Brass Tray | 15. Bud Vase (similar) | 16. White Table Lamp | 17. Wood Ladder | 18. Dresser | 19. Vintage Painting (similar) | 20. Large Ceramic Vase | 21. Grey Knit Blanket | 22. Grey Blanket | 23. Woven Basket (similar) | 24. Small Lumbar Pillow | 25. Small Ceramic Vase | 26. Floor Lamp | 27. Wood Frame | 28. Botanical Print (similar) | 29. Ottoman | 30. Lounge Chair | 31. Wood Bench (similar) | 32. White Lumbar Pillow (similar) | 33. One Drink Table | 34. Cream Blanket | 35. Open Weave Basket | 36. White Curtains

Thanks for stopping by my…I mean Suzanne’s new bedroom. Also, here’s some human for scale. 😉 Talk to you all soon in the comments below! xx

**Design by Julie Rose | Photos by Sara Ligorria-Tramp

The post Emily’s Best Friend Gets The Cozy Yet Sophisticated Bedroom Makeover She Really Deserves appeared first on Emily Henderson.

The Link Up: Caitlin’s $8 Storage Hack, Mallory’s New Pillow Purchase, and The Documentary We All Need To Watch (Or Rewatch)

We don’t really have the words this week for a fun intro. Friday was the gut punch. Justice Ruth Bader Ginsberg was a force for good and progress. What she gave of herself can only be honored by continuing her work. So let’s get to it. Have a voting plan (do it early if possible) and fight HARD for equality and progress. Now, we of course still have your dose of escapism because we all need small breaks. Let’s get to it.

In case you haven’t (or need a refresher) watch RGB. It’s a documentary on the incredible life and service of our national hero, Ruth Bader Ginger.

As self-proclaimed “lighting lovers,” We get very excited when a new lighting line drops. This time it’s from Becki Owens! Her canned pendants are SO GOOD. Check out her line here!

From Emily: Concrete ways to help. The wildfires in my home state (and future home) are destroying homes/lives all over. Some incredible person put together the list of all the go-fund-mes that are unfulfilled, mostly of small families. If you want a concrete way to help, I’m sure these families would appreciate it as they rebuild their lives.

From Mallory: Good pillows with lots of personality can be hard to find, ESPECIALLY when you’re looking for a lumbar pillow for some reason. I’ve got an upcoming MOTO (yeah, you heard that right), and have been feeling confused about where & how to bring in personality to the space. Well, my friends, I’ve been waiting for this lumbar pillow from The Jungalow to come back in stock (and it did!!) It ended up being exactly what I needed to start bringing in some style to the space. I can’t wait to show you the whole thing but in the meantime, go buy this pillow (you will not be disappointed!)

From Jess: Traditionally, I am a “laundry detergent only” person. It’s mainly because I am still confused and too nervous to use fabric softener and/or bleach. I mean what if I ruin my clothes!? I really can’t afford a new wardrobe. BUT a few months ago I did stumble upon this fragrance booster by Method that said it would make my clothes smell even more amazing and for longer (and it really does!) It’s such a dream since I never felt like my clothes ever held onto the detergent scent or was potent enough (I mean why buy a scented detergent if the scent doesn’t stick around??). The ginger mango scent is heaven (which was a surprise since the name is not something I normally gravitate to). Seriously if you also feel like your laundry should smell better, this is a GREAT option.

From Caitlin: Stackable. Wine. Fridge Bins. That’s it. That’s the recommendation. (I can fit 3 vertically in my fridge, AND horizontal storage is better for wine anyway, AND it opened up a ton of door space, AND it’s for sure the most affordable fridge organizing tool out there at under $9.)

Etsy has another incredible celebrity collab and this time it’s with the one and only Tan France! As to be expected it’s very chic and this vase/dish might be our favorite? It’s hard to choose. Check it all out here.

From Julie: This year hasn’t been for the faint of heart, it’s been a rough and wild ride that doesn’t seem to be slowing down or coming to an end anytime soon. Let’s just say it got the best of me and I was letting my anxiety/depression take me down for the count but there was a little part of me that knew I needed to change my ways so I took a cue from those around me like my boyfriend and started meditating. Five minutes a day in the morning right after I woke up is where I began and honestly haven’t gotten far past it yet but taking a moment to remember to breathe and take each moment as it comes, the good and the bad has helped me to handle these mental issues I’ve been struggling with on a lower level since high school. I am about to start the book, 10% Happier by Dan Harris (a suggestion by said boyfriend who is currently reading it), and am open to any others that you all might recommend. We all are a community and this is the time to lean on one another so send over those book titles my way and thank you!

Also From Jess: Everyone should listen to this episode of Black Frasier with Michelle Obama hosted by Phoebe Robinson. It’s absolutely wonderful, inspiring and important.

From Ryann: Are press on nails back??? Apparently they are in my world because I’ve been getting IG ads about these new hip companies that are making peel and stick manicures and they actually look good. In general, I am someone who really does not care for getting my nails done but I LOVE the way they look when I do. So when I saw these gel stick on nails I ordered them on a whim and now I’m very excited to try them out. I will report back with my review but in the meantime I am curious, is anyone else buying press on nails in lieu of going to the salon?

If you’ve been wanting to wallpaper but either the money or the “foreverness” of it all has been giving you pause, then you are in luck because Chasing Paper (known for their stick and peel wallpaper) is having a big 20% off sale on Tuesday 9/22 and Wednesday 9/23 (no code needed). Remember when Em used them in this project?

Also From Caitlin: One more! My friend Penelope recently founded People’s Pantry LA which manages weekly food distributions in NELA (seen in action here!). If you live in the area and have anything in your pantry to give (especially the basics, like bottled water or canned goods), please shoot them a note at peoplespantryla@gmail.com to schedule a pickup or dropoff! Their payment details are also in their Instagram bio if you’d like to donate directly. I’ve been lucky enough to watch this grow from an idea in July to a full-fledged operation today (literally, there’s a distribution today) that’s helped feed hundreds of families and it’s absolutely worth supporting if you have the means!!

If you’re reading this, thanks for sticking with us until the very end. Did we mention WE LOVE YOU?? See ya next week 🙂

Opening Image Credits: Photography by Chris Loves Julia for Hudson Valley Lighting| via Lonny

The post The Link Up: Caitlin’s $8 Storage Hack, Mallory’s New Pillow Purchase, and The Documentary We All Need To Watch (Or Rewatch) appeared first on Emily Henderson.

Best Home Warranty in Dallas

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Dallas homeowners have many choices for affordable home warranty coverage for their home’s appliances and systems. Learn about the top companies so you can find the best home warranty in Dallas.

If your trusty old air conditioner or refrigerator breaks down after years of use, don’t look to your homeowners insurance or the manufacturer’s warranty for help—you won’t be covered. For normal wear and tear damage, you need a home warranty, also called a residential service contract. With one of these contracts, you won’t be on the hook for huge, unexpected costs if, for example, your clothes dryer stops working. If the item is covered and the company can’t repair it, they’ll cover the cost of a replacement.

We’ve reviewed the best home warranty companies in Dallas, and we’re prepared to offer our recommendations to Texas homeowners. Here are three of our top choices based on what you’re looking for in a residential service contract provider.

Top 5 Home Warranty Companies in Dallas

The highest-rated home warranty companies in Dallas, TX, include:

  1. American Home Shield: Best Overall
  2. Choice Home Warranty: Best Service
  3. Amazon Home Warranty: Best Add-Ons
  4. Liberty Home Guard: Most Trusted
  5. First American Home Warranty: Best Value

1. American Home Shield

We found that American Home Shield offers the best overall value relative to coverage to the greatest number of Americans, and that includes homeowners in Dallas. Additionally, American Home Shield has 49 years in the industry, making it a trusted provider of residential service contracts.

American Home Shield Plans

American Home Shield offers four plans: one that covers appliances, one that covers systems, one that covers both, and one that allows you to choose your own coverage options.

The Build Your Own Plan allows you to select up to 10 of the above appliances and systems, with the option of adding more for an extra fee. Additionally, with any of the plans, American Home Shield offers additional coverage for pools, spas, well pumps, septic pumps, and guest units.

American Home Shield Prices

To understand the pricing of any home warranty, you need to consider both the monthly premium and the per-visit service fee. You’ll pay the premium whether you use the contract or not, but you’ll only pay the service fee when a technician visits your home. American Home Shield offers service fee options of $75, $100, or $125 per visit. If you choose a higher service fee, your monthly premium will be lower and vice versa.

If you anticipate needing to use your home warranty frequently, you may want to choose the lowest service fee. If you choose the $75 fee, which is about the industry average, here are the prices for American Home Shield’s four plans.

For more information on pricing or to speak to a customer service representative, call 844-529-9298 or fill out this easy online form to get a quote.

2. Choice Home Warranty

Although Choice Home Warranty offers less customizable coverage, the company more than makes up for it with competitive pricing and excellent customer service. Choice Home Warranty guarantees its technicians’ repairs for up to 90 days, three times the length of many other providers.

Choice Home Warranty Plans

Choice Home Warranty offers a Basic Plan that covers most home appliances and systems and a Total Plan that covers a few more items that tend to require the most costly repairs.

As with many other service contract providers, Choice Home Warranty offers add-on coverage for some other common home systems.

  • Pool/spa
  • Well/sump pump
  • Central vacuum
  • Limited roof leaks
  • Septic system
  • Second refrigerator
  • Standalone freezer
  • Septic tank pumping

Choice Home Warranty Prices

Choice Home Warranty’s service call fee is a little higher than the industry standard at $85, but accordingly, the premiums are very reasonable.

While these are the usual prices, you’ll want to contact Choice Home Warranty with the specifics of your home to get an estimate. For a free quote, call 929-400-6165 or fill out this form to get started.

3. Amazon Home Warranty

Not associated with the online retail giant, Amazon Home Warranty is a nationwide residential service contract provider based in Columbus, Ohio. If you need added coverage for extra appliances or systems, this may be the right warranty company for your home.

Amazon Home Warranty Plans

Similar to American Home Shield, Amazon Home Warranty offers one plan for systems, one for appliances, and another that combines the two. Note that this Combo Plan adds some items not covered by the Systems or Appliances Plans.

Although Amazon Home Warranty doesn’t offer a completely customizable plan, it does offer optional coverage for a long list of extras.

  • Pool and spa
  • Additional central heating unit
  • Additional central AC unit
  • Lawn sprinkler system
  • Septic system
  • Whole-house humidifier
  • Sump pump
  • Limited roof leak
  • Ice maker
  • Additional washer/dryer
  • Additional microwave
  • Central vacuum
  • Well pump
  • Wine refrigerator
  • Secondary refrigerator
  • Water softener
  • Additional hot water heater
  • Extra oven
  • Additional dishwasher

Amazon Home Warranty Prices

The service fee for Amazon Home Warranty is the industry-standard $75, and the company’s premiums are competitively priced.

The many add-ons are priced individually. For example, adding a pool or spa to one of the above plans will cost an additional $179 per year, and a septic system will cost an additional $65 per year. For a free quote, call Amazon Home Warranty at 866-605-8194 or fill out this form for more information.

4. Liberty Home Guard

Although Liberty Home Guard is new to the industry, the company has already distinguished itself by offering a 60-day workmanship guarantee and accepting direct customer feedback.

Liberty Home Guard Plans

The three plans offered by Liberty Home Guard cover home appliances, systems, or both.

Liberty Home Guard also offers some additional coverage options, including add-ons not available from other providers on this list.

  • Pool and Spa
  • Additional Spa
  • Gutter Cleaning
  • Floor/Carpet Cleaning
  • Sump Pump
  • Septic System Pumping
  • Limited Roof Leak
  • Pest Control
  • Central Vacuum
  • Stand Alone Freezer
  • Re-Key
  • Second Refrigerator
  • Well Pump

Liberty Home Guard Prices

Liberty Home Guard’s service fee is only $60 per visit, which is lower than average. Accordingly, the company’s premium prices are toward the high end of the spectrum.

Note that the price of your premium may vary based on your location and any additional coverage you choose. Call 866-452-9107 or fill out this quick form to receive a personalized quote.

5. First American Home Warranty

With 35 years in the business, First American Home Warranty has experience providing its customers excellent value for the money they pay. It also offers coverage for improperly installed or maintained appliances and systems.

First American Home Warranty Plans

First American offers two plans to its customers. The Basic Plan covers a variety of systems and appliances, and the Eagle Premier Plan also adds coverage for a washer, dryer, and kitchen refrigerator.

First American is somewhat unusual in the offering of its First Class Upgrade, which comes standard with the Eagle Premier Plan but can be added to the Basic Plan for an additional fee. If you have this option, your coverage will also apply to any damage from improper installation or repair, as well as some associated expenses for permits and upgrades. You can also purchase additional coverage for the following.

  • Additional Refrigeration (up to 4 units)
  • Central air conditioning
  • Eco Upgrade
  • Pool and/or Spa Equipment
  • Pre-Season HVAC Tune-up
  • Septic Tank Pumping/System (includes grinder pump)
  • Well Pump

First American Home Warranty Prices

With a First American Home Warranty plan, you’ll pay a $75 service fee as well as the following premiums.

What Does a Home Warranty in Dallas Cover?

Your coverage options will vary based on the home warranty company you choose, but there are some systems and appliances that most residential service contracts cover.For more information on pricing, fill out this form or call 833-777-0049.

Benefits of a Home Warranty in Dallas, TX

Home warranty companies in Dallas offer the same benefits as those in the rest of the country: financial protection and peace of mind. You won’t have to worry about unexpected expenses if properly maintained appliances or systems break down from normal wear and tear. If a covered item breaks, you simply file a claim with your home warranty provider, pay the service fee, and let the company take care of the rest.

Whichever company you choose, make sure you check the specifics of the coverage you’re buying. For example, some home warranties will cover your home’s plumbing but not the cost of fixing stoppages.

How Much Does a Home Warranty Cost in Dallas?

Prices vary by company and comprehensiveness, but generally, a home warranty will cost between $25 and $60 a month, or $300 and $720 a year. Generally speaking, more expensive plans cover more systems and appliances. Additionally, the service call fee for each technician visit is typically between $75 and $125.

Our Conclusion

When it comes to home warranty companies in Dallas, TX, your best bet is American Home Shield for an overall combination of breadth of coverage, value, and service. However, if customer service is the most important aspect for you, Choice Home Warranty may be the better option. For homeowners looking to add on a number of extra appliances, Amazon Home Warranty offers many options for additional coverage.

Despite its newcomer status, we find Liberty Home Guard to be an extremely trustworthy choice to Dallas homeowners looking for home warranty coverage. Finally, with its First Class Upgrade option, American First Home Warranty offers superior value combined with comprehensive coverage.

Frequently Asked Questions

How is a home warranty different from homeowner’s insurance?

Homeowners insurance only applies to damage to your house and its systems from catastrophic events like fires, floods, and other natural disasters. It won’t cover damage sustained from normal use. This wear and tear on properly maintained appliances and systems is precisely what a home warranty is for.

Will a home warranty cover pre-existing conditions?

Most home warranty companies include language in their contracts specifying that pre-existing damage or problems are not covered, even if you aren’t aware of them at the time of the contract. However, a few providers will offer this coverage, though you may have to look hard to find them.

When does my home warranty coverage start?

Most residential service contracts include a waiting period of 30 days between the signing of the contract and the start of coverage. Talk to your provider to see if the home warranty you’re considering includes this waiting period.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.

Progressive vs. State Farm Home Insurance

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Homeowners insurance prevents you from having to pay for expensive repairs out of pocket when the unexpected occurs. Learn about the plans, prices, and reputations of two of the biggest names in the industry in this Progressive vs. State Farm home insurance comparison.

Both Progressive and State Farm homeowners insurance policies offer the six industry-standard types of coverage. However, State Farm has more overall coverage options, while Progressive has more affordable insurance rates.

To learn more about the characteristics of each company and determine which one offers the best homeowners insurance, read our Progressive vs. State Farm home insurance comparison.

*State Farm coverage information according to The Zebra

**Based on sample quotes our team received

Progressive vs. State Farm Home Insurance Coverage Comparison

Progressive and State Farm have standard home insurance policies that include dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage. However, State Farm offers more add-on options than Progressive.

Progressive Coverage

To determine your dwelling coverage, Progressive uses the rebuilding cost of your home, which is generated by asking you questions about how your house was built. A percentage of dwelling coverage is then used for other structures, personal property, and loss of use protection.

Note: Our team was unable to receive liability, medical payments, and deductible coverage options over the phone. We recommend reaching out to Progressive to learn more about your options.

Progressive offers two endorsements for more comprehensive coverage:

  • Personal injury
  • Water backup

State Farm Coverage

Similar to Progressive, State Farm uses your home’s rebuilding cost for dwelling coverage and a percentage of dwelling coverage for other structures, personal property, and additional living expenses coverage.

Note: These figures are based on a sample quote our team received from State Farm. To compare your coverage options, contact your local State Farm agent.

Here’s a list of State Farm endorsements you can add to your policy:

  • Earthquake
  • Full replacement cost
  • Energy efficiency upgrade
  • Water backup and sump pump overflow
  • Personal injury
  • Cyber event, identity restoration, and fraud loss
  • Home systems protection
  • Off-premises structures
  • Adult daycare
  • Depreciated loss
  • Service line

Progressive vs. State Farm Home Insurance Cost Comparison

The national average for homeowners insurance was $101 per month in 2017, according to the Insurance Information Institute. However, this figure may vary by person and by home. Here are a few factors that may affect your insurance premium:

  • Credit score
  • Claims history
  • Square footage of your home
  • Condition of your roof

We requested insurance quotes from Progressive and State Farm to see how they compare to the national average.

Progressive Cost

Progressive estimated our rebuilding cost to be $285,000, which was then used to calculate dwelling, other structures, personal property, and loss of use coverage. We selected standard liability, medical payments, and deductible amounts.

Here’s a list of the discounts you may be eligible for from Progressive:

  • Bundle homeowners and auto insurance
  • Home alarm systems and safety devices
  • Quote in advance
  • New home purchase
  • Pay in full
  • Receive documents by email
  • New home construction

State Farm Cost

State Farm’s quote process looks similar to Progressive’s and includes questions related to the rebuilding cost of the home, followed by questions about liability, medical payments, and deductible amounts.

*Quote and pricing information according to The Zebra

State Farm offers three discounts to help customers lower their premium:

  • Multiple line
  • Home alert protection
  • Roofing

Our Conclusion

After reviewing Progressive and State Farm, we recommend Progressive for homeowners on a budget and State Farm for homeowners who need more coverage than what a base policy offers.

The sample quote we received from Progressive was lower than the national average and lower than Allstate, which is notable because the rebuilding cost with Progressive was higher. A higher rebuilding cost means you get more dwelling, other structures, personal property, and loss of use coverage at a lower rate.

The biggest drawback of Progressive is that it uses underwriting companies and acts as a third-party seller for those policies. For example, a Progressive policy in one state may not look the same as one in another because the underwriting company may be different in both states.

If you want more than the six main types of coverage provided in your homeowners insurance policy, State Farm may be a better option. The company has 11 endorsements, including the two that Progressive offers, and unique add-ons like service line and home system protection.

A major flaw that both companies share is the quote process. Neither company allows you to complete the quote process online. After answering questions about yourself and your home on each company’s website, you’re prompted to talk to an agent over the phone. Not only does this add time onto the quote process, but it also makes it difficult to quickly view your coverage amounts and endorsement options.

Before deciding which insurance carrier you want to purchase a policy from, start quotes from both companies with the tool below.

FAQs About Progressive and State Farm Home Insurance

How can I lower my home insurance rate?

Here are a few ways to save money on a policy:

  • Choose a higher deductible
  • Pay once, twice, or four times a year instead of every month
  • See if you’re eligible for any discounts offered by your insurance provider
  • Maintain a credit score above 700

Do I need to reapply for homeowners insurance every year?

Most of the time, you will qualify for re-enrollment for the policy you had the previous year. Here are a few situations where you or your provider may choose not to renew your policy:

  • You want more coverage and need a policy that offers more protection
  • You aren’t happy with your current provider’s customer service
  • You’ve moved in the last year
  • You filed too many claims in the last year
  • You failed to pay your premiums

Does homeowners insurance cover roof leaks?

Yes. If your roof leaks and causes water damage to your home, your insurance company will pay for any repair or replacement costs. However, your insurance company will likely not pay to replace the roof that caused the damage in the first place.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.

The Quest For The Perfect, Affordable “Basic” Tee Is Over… Because We Did The Legwork (Plus An Important Intro From Emily)

From Emily: With the death of RGB last night we obviously felt like a “best t-shirt roundup” fell deaf on all our ears. HONESTLY, T-SHIRTS ARE NOTHING BECAUSE ALL THAT MATTERS IS EQUALITY FOR ALL. So to try to take what now feels like a very insignificant post, we are donating all affiliate sales from this post to She Should Run to continue Justice Ginsberg’s fight for equality. And while this blog is rarely political, it is always a place that values humanity and important dialogue. So yes, this year talking politics is in “our lane” because we are human beings and right now it feels like we are collectively driving off a cliff. She fought for us long enough. Now we must pick up where she left off. Happy t-shirt hunting!

Hi, it’s Jess now. If you are looking for a t-shirt, perfect. If you are looking for a quick escape, understandable and you are in a good place for that. And if this isn’t the right time for you to read this post, then feel free to come back whenever you’d like. We are here for you. Ok, let’s talk tees.

I know this post I don’t know why but finding the perfect “basic” of anything can feel like the search for the holy grail (the Monty Python version, obviously). Shopping should have some laughs, right? But seriously, I think the clothing category, “basics” needs a rebrand because the term “basics” associate it with the term “easy”. SO maybe a simple shift to saying “ultimates” would make us feel less irritated when the search is long and hard. At least for us, there isn’t a killer bunny along the way:)

So I say all of this to talk about my quest in finding my “ultimate” t-shirt. But don’t worry it’s not just me. Mallory also is coming on this journey with me because she also was on the hunt and with two very different body types we can hopefully help twice the amount of people! O and Em jumped in at the end too:)

But first, let’s take a step back and talk about the reason for this post. This shirt below has been my favorite for over a year. I randomly found her at H&M on a whim and bought six in four different colors. But then, OF COURSE, it’s been permanently out of stock. Devastating. My $13 dream t-shirt, gone. Look, I still have the shirts but after A LOT of wear, half of them have holes (and not in a cool way, expensive-looking way).

This is why she was perfect and what I am looking for…

Jess’ T-Shirt Requirements:

  • Worn-in feeling fabric
  • Medium length
  • Medium sleeve length (no cap sleeve but not too long)
  • Crew Neckline
  • Flattering up top but room around the hips
  • NO pockets (my boobs don’t require any further attention)
  • Looks good with a “french tuck” (the little tuck behind the pant button that Tan France made famous and I love)
  • Comes in multiple colors
  • Not one million dollars

It’s a lot, I know, but if I’m searching for my ultimate tee then the standards have to be high, right? I ended up trying on seven different styles that are all under $30 each. And just so you can have a reference point for sizing here are my sizes:

Shirts: I go between a medium and large but more so large
Dress: 10/12
Pants: 30 in high-waisted Madewell jeans (not sure if the high-waisted part makes a difference)
Bra: 36C/34D
Height: 5’3 3/4″

So before we get to the good stuff, I just want to say that these reviews are 100% based on personal preference and what feels good on my (and later, Mallory’s body). We are not saying these “requirements” are what everyone should want/look for. Everyone should wear what makes them feel awesome!

FUN FACT: None of these have neck tags!

ANOTHER FUN FACT: I haven’t had my hair done since March 10th.

The EveryWear Slub-Knit Tee – Old Navy: $8

Size: M
Overall Rating: 8 out of 10
Fit: I would say it’s pretty flattering. The sleeves and neck are good and it looks like it was made to work on a woman with some curves. I personally don’t love the length and the round hemline, though. However, if you are someone who likes that then I think this is a slam dunk option…especially for $8!
Fabric: Soft, medium thickness but a slight worn-in feel and 100% cotton
French Tuck Approved?: Sort of…

Short Sleeve Casual T-Shirt – Target: $5

Size: L
Overall Rating: 5 out of 10
Fit: I liked it better in person than when it’s photographed. A bit too slim of a cut for someone with boobs and hips, but not terrible. I would prefer the sleeve length a smidge shorter. The overall length is too long and tight for my shortish torso. Also, the neck is a little too small for my liking. Sizing up would have only made the top half less flattering.
Fabric: Soft but not as breathable. 50% cotton/ 50% Modal
French Tuck Approved?: No

Short Sleeve T-Shirt – Target: $8

Size: L
Overall Rating: 4 out of 10
Fit: This pic is kinda deceiving. Way too slim of a cut for someone with boobs and hips but not “terrible”. I like the sleeve length and the neck is cute but also too long for me.
Fabric: That classic stiff cotton but would probably be great after a lot of washes. 100% cotton.
French Tuck Approved?: No (too tight)

Vintage Wash Crewneck T-Shirt – Gap: $20

Size: M
Overall Rating: 7 out of 10
Fit: A little too slim of a cut for my hips. I really like the sleeve length and the neck is perfect but just too long for me.
Fabric: Slightly stiff but lightweight and 100% cotton
French Tuck Approved?: No

The Organic Cotton Crew – Everlane: $18

Size: L
Overall Rating: 6 out of 10
Fit: Overall it is kinda tight but I like how the top half fit. I don’t think sizing up would have helped because then the sleeves would be too long. Honestly not bad but I just don’t love it on me.
Fabric: Soft, pretty lightweight, and 100% cotton
French Tuck Approved?: No

Shrunken Short Sleeve T-Shirt – Gap: $25

Size: L
Overall Rating: 9 out of 10 (there’s always room for growth:))
Fit: This one is my favorite which is SHOCKING to me and again much better in person. When I ordered it I was sure that the “shrunken” aspect would highlight the things I want to avoid highlighting. However, between the neck being the right shape, the sleeves hitting at the right place, and the not “too long” length, everything just works. The more boxy shape is a winner in my eyes. I have already ordered 3 more:)
Fabric: Worn in cotton but also 100% cotton…
French Tuck Approved?: YES (mainly because of the shorter overall length)

ALSO…

Size: M
Overall Rating: 8 out of 10
Fit: I do like the smaller size because it does show my shape a little more;) and the sleeve length is cute. BUT there is no room for it to shrink so since it’s 100% cotton, I’m sticking with the large.
French Tuck Approved?: Still yes

Vintage Cotton Crewneck T-Shirt – J.Crew: $30

Size: M
Overall Rating: 1 out of 10
Fit: I was pretty excited about J.Crew because so many of you recommended it to me. Unfortunately, this shirt in particular is a no-go. The neck is too big, the sleeves and body are too long and I just don’t love how it sits on my body.
Fabric: Very soft, light (which I really liked), and 100% cotton
French Tuck Approved?: Not really

Now let’s move onto Mallory!

Mallory’s T-Shirt Requirements:

  • Soft fabric (IT MUST BE SOFT)
  • Tuckable length
  • Short sleeve length (can be cap sleeve…I’m not picky)
  • Crew neckline but doesn’t look like a little boy’s shirt (meaning not ~too~ high on the neck)
  • Breathable, boxy fit. It BETTER NOT be skin tight
  • Comes in multiple colors (same as Jess)
  • Not one million dollars (I of course also agreed with Jess)

I have similar requirements to Jess because after all, don’t we all want t-shirts that are soft, look great, and aren’t crazy expensive? Like it’s a t-shirt not a ballgown…she better be affordable. Let’s get into my sizing:

Shirts: Usually a small but could be a medium (especially in this category bc I love a looser fitting t-shirt)
Dress: 4
Pants: 26/27
Bra: Itty-bitty-titty-committee!! (32A)
Height: 5’7

Vintage Fit T-Shirt – Madewell: $17

So I bought this shirt in a mustard-orangey-yellow a while back (see below) and I REALLY like wearing it for the color, but then I thought –– wait I think the fit is good too…the reason I didn’t know for sure was because I had bought it in an XS since it was the only one left. So I thought, why not try it in my actual size and see what happens. That’s exactly what I did and here’s the deal…

Size: S
Overall Rating: 10 out of 10
Fit: Overall it’s the perfect shirt. Boxy, not too long on the sleeves, a solid crew, plus it’s VERY comfortable. Plus it has a cute rounded hemline so that’s a plus.
Fabric: Soft, lightweight, very comfy, and 100% cotton
French Tuck Approved?: YES

I thought I’d show you what the XS looks like just in case you were curious…

Cute and I’ll still wear it, but I definitely am team get your normal size since it doesn’t run big or small.

Slim Fit Short Sleeve T-Shirt – Target : $8

Size: M
Overall Rating: 5 out of 10
Fit: If I was unexpectedly sleeping over at a friend’s house and they let me borrow their clothes for the next day and handed me this shirt, I’d say “great this’ll work.” But honestly, she’s not much more than that. The sleeves are a little too long and the neckline seemed too wide. Not to mention the shirt was overall WAY too long, and I have a decently sized torso.
Fabric: The softest, comfiest shirt out of all the ones I tried fabric-wise, so if you want comfort, have a long torso, and don’t mind a longer cap sleeve…this one is for you. 49% Modal, 48% Cotton, 3% Spandex
French Tuck Approved?: It’s the only way to wear it

Basics T-Shirt – H&M: $5

Size: S
Overall Rating: 7 out of 10
Fit: I bought this shirt YEARS ago because I stumbled upon it and definitely needed a white t-shirt. It would be blasphemy if I didn’t include it in the post, after all the things we’ve been through together. It’s $5, so if you’re in desperate need of a shirt, this one will do the job and do it very okay. It’s got a pretty big swoop neck overall, but it’s stretchy fabric and tight-but-not-too-tight-fit will impress you.
Fabric: Stretchy, comfy, and 100% cotton
French Tuck Approved?: Yes!

Short Sleeve Slim Fit T-Shirt – Target: $8

Size: M
Overall Rating: 10 out of 10
Fit: This one is a real favorite. As you can see from the above photos, the shirt is a solid length –– not too long, not too short. It’s perfect if you want to french tuck it OR wear it untucked (which sounds foreign to me but I would do it with this shirt because the length is that good).
Fabric: A little thicker material, but still VERY comfy. 100% cotton
French Tuck Approved?: YES

Now we couldn’t end this post without a quick mention of Emily’s favorite tees in case you missed her talking about them in the past:)

Rounded V-Neck T-Shirt – Caslon: $25

photo by veronica crawford | from: a fashion review: new clothing on my body and how i like them (or not)

Emily loves the scoop neck and the relaxed fit.

We The Free Sun Valley Tee – Free People: $38

Emily loves this shirt! Her only tip is to size way down.

The Boxy Crew – The Great: $95

image source

The Great is a female-founded company and is one of Emily’s favorites. This tee is for sure a splurge according to Emily will definitely make you feel cool.

Well there you have it, t-shirts on our real bodies to hopefully help you in a real way in finding your perfect and ULTIMATE match. We hope that you have as good of a day as you can, make sure you have a voting plan and we will see you tomorrow.

Love you, and very much mean it. We need each other now more than ever.

The post The Quest For The Perfect, Affordable “Basic” Tee Is Over… Because We Did The Legwork (Plus An Important Intro From Emily) appeared first on Emily Henderson.

Best Renters Insurance in Oregon (2020)

Alamy

In this guide, we break down the companies that offer the best renters insurance in Oregon.

Renters insurance gives you peace of mind that if your belongings are damaged because of an unexpected event or disaster, you won’t have to pay out of pocket for expensive repairs or replacements. In Oregon, three companies in particular stand out for providing comprehensive and affordable renters insurance plans to fit your needs.

To help renters decide which renters insurance company is best, the This Old House Reviews team evaluated and ranked the top renters insurance companies in Oregon.

Best Renters Insurance Companies in Oregon

To determine the best renters insurance companies in Oregon, our team looked at a variety of factors, including coverage options, pricing, discounts, customer service, and more.

1. State Farm

State Farm offers customizable and affordable renters insurance coverage that doesn’t put a limit on personal property or loss of use coverage. State Farm also offers eight additional coverage options to supplement your basic renters insurance coverage.

Compare the advantages and disadvantages of a State Farm policy:

To make your plan more comprehensive, you can purchase these additional coverages:

  • Earthquake damage
  • Jewelry
  • Computers
  • Waterbed
  • Identity restoration
  • Additional liability coverage
  • Additional business property
  • Incidental business liability

2. Allstate

As one of the best overall renters insurance providers in the nation, Allstate provides standard coverage while offering up to five options for additional coverage. Allstate also allows some control over your monthly premium through adjustable coverage caps.

Take a look at this table to see what an Allstate policy entails:

Here’s the optional coverage provided by Allstate:

  • Extended coverage on jewelry, watches, and furs—This increases the amount of personal property coverage you receive with your plan.
  • Scheduled personal property—This allows you to receive more coverage for items that have already been appraised, like a diamond ring.
  • Identity theft restoration—Identify theft restoration coverage helps pay for the fees associated with a stolen identity.
  • Increased coverage on business property—This protection covers your business-related items that are kept inside your home.
  • Uninsured/underinsured motorist—This renters insurance covers you when you’re in an accident with an at-fault driver who isn’t covered or whose coverage is too low.

3. Nationwide

Protecting Oregon renters from a variety of events including fire, lightning, hail, and theft, Nationwide goes beyond the basic coverages. Along with personal property, loss of use, liability, and medical payment coverage, Nationwide provides coverage for ordinance or law, building additions and alterations, and credit cards.

Here are some benefits and drawbacks to a Nationwide policy:

These discounts may help you save money on your Nationwide renters insurance plan:

  • Renters and auto/life insurance bundle discount—If you already have an existing auto or life insurance plan with Nationwide, you can save money on your monthly renters insurance premium.
  • Safety equipment discount—If your home is equipped with safety features like fire alarms, smoke detectors, and burglar alarms, you could be eligible for a discount.
  • Claims free discount—If you don’t make any renters insurance claims over a certain period, you could save money on your monthly premium.

Oregon Renters Insurance Coverage

Typically, an Oregon renters insurance policy contains four types of coverage: liability, medical payments to others, personal property, and loss of use. Most providers also provide additional coverage, called endorsements or floaters.

Here’s what’s covered under each type of coverage:

  • Liability—If you cause injury to a neighbor or their property, this coverage pays for the cost of their bills. Typically, landlords require $100,000 in liability coverage.
  • Medical payments to others—This coverage pays for the medical bills of a guest that’s injured in your home.
  • Personal property—Personal property coverage covers the cost of your belongings if they’re damaged due to an unexpected event, like a fire or burglary.
  • Loss of use—If a covered incident forces you out of your home, loss of use coverage pays for your living expenses, like a hotel room or food.
  • Endorsements/floaters—Endorsements or floaters are additional coverage options you can add on to your renters insurance plan. Popular endorsements include coverage for jewelry and earthquakes.

How Much Does a Renters Insurance Policy Cost in Oregon?

According to the Insurance Information Institute, Oregon renters insurance cost an average of $163 for the year, or $13.60 per month, in 2017. That was just under the national average of $15 per month.

Factors to Consider Before Buying Renters Insurance

Before purchasing a renters insurance policy, consider the following factors:

  • Coverage limits—Before purchasing a policy, it’s important to determine the amount of personal property and liability coverage you need. Some companies, like State Farm and Farmers, don’t have a limit on the personal property coverage that you can purchase. Many landlords require at least $100,000 worth of liability coverage, so make sure that’s an option with your provider.
  • Cost factors—Many factors go into the pricing of your renters insurance plan. Some of these factors include cost of living, age of the building, and the likelihood of natural disasters. For example, if you rent in an area where earthquakes are common, the price of your policy could increase.
  • Discounts—Before choosing a provider, learn about their discounts. Most companies provide discounts for bundling home and auto insurance, being claims-free, and having safety features in your home.

Compare Renters Insurance Options

If you’re not sure which renters insurance policy is best for you, compare the providers below.

Our Conclusion

We recommend State Farm, Allstate, and Nationwide renters insurance to renters in Oregon who are looking for customizable coverage with a variety of optional add-ons. Before purchasing a renters insurance policy, we encourage you to get quotes from all three companies to help you compare coverage and costs:

Frequently Asked Questions About Renters Insurance in Oregon

How can I figure out how much personal property coverage I need?

To calculate how much personal property coverage you need, go through your home and take note of everything that would cost you money in the event of a disaster. Log the value of each item and calculate the total cost, which will be about the amount of coverage you need.

To help calculate the amount of personal property coverage needed, use the Allstate calculator that helps you tally the value of your belongings.

Can you be denied renters insurance?

Yes. Some companies may deny you coverage if they deem you uninsurable for factors like living too far away from a fire station.

Is renters insurance required?

Renters insurance isn’t required, but your landlord may require you to buy a policy for you to live in one of their rental units.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.

How to renovate on a budget to increase rental income?

Renovating a rental suite while still trying to save money can seem like a daunting task. How do you spend money to save money? With the help of How to renovate on a budget to increase rental income? appeared first on RenovationFind Blog.

Join a Video Tour and Live Q&A | 2020 Idea House: Farmhouse in Fairfield County

You’re invited to join 2020 Idea House builder and designer Jerry and Sandy Effren of Greyrock Homes for a video tour and live Q&A hosted by This Old House editor Chris Ermides.

Event details:

CLICK HERE FOR MORE DETAILS!

How to Build a Storm Shelter

This Old House plumbing and heating expert Richard Trethewey shows how to pour a massive concrete storm shelter. Read on to also learn more about design considerations and guidelines to keep you safe from the storm.

This video, featuring This Old House plumbing and heating expert Richard Trethewey, shows how to pour a storm shelter inside a garage. Watch as they explain the need to cut away the garage floor and pour an even thicker foundation. You would need to do this if retrofitting a bathroom or closet, as well.

Steps for Building a Storm Shelter

  1. Cut out and remove the concrete slab from the garage floor, and dig down 28 inches.
  2. Build a wooden form around the excavated hole to create the walls and ceiling of the concrete storm shelter.
  3. Install metal rebar throughout the form to reinforce the concrete.
  4. Use a concrete pump to fill the form with small-aggregate concrete.
  5. Vibrate the concrete throughout the pour to eliminate voids and air bubbles.
  6. Smooth the concrete on top of the storm shelter with a steel float.
  7. Allow the concrete to cure for 24 hours, then strip away the wooden form.
  8. Hang a sliding door and then hire an electrician to run power to the storm shelter for lights and outlets.

Considerations for Building a Storm Shelter

Whether you live in a coastal region, prone to tropical storms and hurricanes, or in the Midwest, always on the alert for a tornado to strike, you want a safe place in your house to retreat to during extreme wind events. Many run to an interior room, hoping a space constructed of 2x4s and drywall will protect them from winds that exceed 100 miles per hour. Having a well-constructed, dedicated safe room in your home will provide reliable protection for you and your family, and peace of mind along with it.

A storm shelter or safe room is a hardened structure built to withstand high-velocity winds that accompany tornadoes and hurricanes, and the flying debris they can hurl at you. A safe room constructed in accordance with the International Code Council’s Standard for the Design and Construction of Storm Shelters (ICC 500) should remain standing even when the rest of your home may be flattened or picked up and carried away. ICC 500 is under review and revised requirements are set to be published sometime in 2020. Here we offer some key ideas to consider when constructing your own storm shelter.

A Prefabricated Safe Room

As an alternative to a site-built safe room, prefabricated storm shelters are commercially available—and in some areas, they’re more affordable. A manufactured safe room generally includes everything except the foundation. But even if tested and approved for missile impact and wind pressure, a storm shelter is only as safe as its foundation is strong. Make sure to follow ICC 500 standards when building your foundation.

Basic Safe Room Construction

Whether building a stand-alone storm shelter or retrofitting a safe room in your house, the Federal Emergency Management Association’s (FEMA’s) booklet, Taking Shelter from the Storm: Building a Safe Room for your Home or Small Business (FEMA P-320), covers everything you need to know to follow the ICC 500 standards, and even includes construction plans. Here are some basic guidelines from this publication.

  • Anchor your safe room to a proper foundation for your geographic location. The safe room’s foundation must be separate from the foundation of the rest of the house.
  • Create walls of reinforced concrete. If retrofitting an existing structure, you can reinforce concrete block walls with additional steel and grout.
  • The safe room requires a concrete roof deck.
  • Only use a certified safe room door to achieve adequate protection.
  • Consult with a licensed engineer in your area before starting the building process. Some standards depend on your geographic location.
  • Basement storm shelters are not recommended in areas prone to flooding or for the mobility-challenged.

Size Recommendations for a Safe Room

The size of your storm shelter depends on the type of storms you typically have in your area. For tornadoes, which typically last minutes, three square feet of floor space per person is the minimum requirement. But for areas prone to hurricanes, which can last 24 hours or longer, recommendations vary from 7 to 10 square feet. Keep in mind that space costs money when designing comfort into your safe room.

Retrofitting a Closet or Bathroom

Your safe room doesn’t have to be an empty room waiting for the winds to blow. Any interior room of your house, with only one door and no windows, can be retrofitted to become a storm shelter. However, this is a costlier option than building a safe room as part of your home’s initial build.

Choose a room you can access quickly and easily. Keep it free of clutter or anything that could fall and cause injury or impede quick access. Also, consider the accessibility needs of all members of your family. Because they include water and a toilet, bathrooms are preferred in hurricane-prone areas where you would spend more time in the room.

Building Outside Your Home

To avoid the cost and mess of retrofitting an existing interior room, many homeowners choose to build a freestanding storm shelter outside or adjacent to the home. Viable options include the back or side yard, under a porch roof, or inside the garage.

In a tornado zone, aim to locate the storm shelter within 150 feet of the home’s entrance for quick access. Also, any common components, like adjacent walls or the foundation, must be retrofitted to adhere to ICC 500 standards. The home’s existing exterior walls and garage floor will not provide adequate protection.

Safe Room Doors

You can build the strongest storm shelter in the neighborhood, but if you skimp on the door your work’s been done in vain. Only use a door assembly that carries a label from an approved testing agency and is proven to resist debris impact and extreme wind pressure.

Doors must pass a missile impact test that uses a 15-pound 2×4 traveling at 100 mph. Doors used in tornado zones must undergo a static pressure test, and those used in hurricane zones must pass both static and cyclical pressure tests. Never substitute any of the hardware that comes with the door, as the test results are contingent on the entire assembly. Texas Tech University maintains a list of safe room products that have passed testing.

Once you shut the door, you need to be able to see what you’re doing. If you want to wire lights in your safe room, consult with an electrician. But don’t depend on electricity. Power outages are expected during storms. Consider stocking your shelter with emergency essentials, including flashlights and batteries. Also, since your shelter will be airtight, make sure your builder includes ventilation pipes.