Bradbury and Bradbury this week is introducing a collection of reproduction vintage children's wallpaper. There are three charming patterns straight out of the Wild West, just like you remember 'em from back in the day. The post Vintage cowboy wallpaper reproductions from Bradbury & Bradbury appeared first on .
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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 ComparisonProgressive 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 CoverageTo 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:
State Farm CoverageSimilar 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:
Progressive vs. State Farm Home Insurance Cost ComparisonThe 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:
We requested insurance quotes from Progressive and State Farm to see how they compare to the national average. Progressive CostProgressive 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:
State Farm CostState 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:
Our ConclusionAfter 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 InsuranceHow can I lower my home insurance rate? Here are a few ways to save money on a policy:
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:
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 [email protected]. iStock
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 DallasThe highest-rated home warranty companies in Dallas, TX, include:
1. American Home ShieldWe 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 PlansAmerican 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 PricesTo 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 WarrantyAlthough 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 PlansChoice 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.
Choice Home Warranty PricesChoice 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 WarrantyNot 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 PlansSimilar 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.
Amazon Home Warranty PricesThe 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 GuardAlthough 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 PlansThe 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.
Liberty Home Guard PricesLiberty 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 WarrantyWith 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 PlansFirst 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.
First American Home Warranty PricesWith 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, TXHome 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 ConclusionWhen 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 QuestionsHow 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 [email protected]. By Anne L. Austin Principal Deputy Assistant Administrator for the Office of Air and Radiation Ozone layer protection in the United States reaches an important milestone in 2020. For 30 years the U.S. Environmental Protection Agency (EPA) has been helping … Continue reading →
By Ted Stanich Associate Administrator, Office of Homeland Security As we remember the events of September 11, and mark the 19th anniversary and Patriot Day last week, I am reminded of the mood in Washington, D.C. in October 2001— “first … Continue reading →
A new National Interest Action value 'Hurricane Laura 2020' has been added to track the relief contracts. For Web Portal users the value 'Hurricane Laura 2020' is available for selection in the National Interest Action field. The Contract Writing systems shall use the code 'H20L' when creating/updating documents through Business Services. National Interest Action value 'Hurricane Laura 2020' is valid from 08/26/2020 to 11/30/2020. Contracts reported against 'Hurricane Laura 2020' are available in the National Interest Action report starting Thursday, 09/03/2020. The expiration date for National Interest Action value 'COVID-19 2020' has been extended to 03/31/2021 in FPDS Production. National Interest Action value 'COVID-19 2020' (code P20C) is valid from 03/13/2020 to 03/31/2021. news source: Cision MT2 Firing Range Services is celebrating its 20th anniversary in 2020. MT2 is the Firing Range Lead Management Authority who is the nation’s #1 largest professional contractor for all indoor and outdoor firing range service needs. “At MT2, we are deeply proud of the progress we’ve made to help gun ranges protect […] The post MT2 Firing Range Services Celebrates 20 Years of Providing Environmental Gun Range Services, Lead Reclamation and Remediation. appeared first on MT2.com | Firing Range Services | Gun Range Cleaning | Firing Range Cleaning Services | Shooting Range Cleaning Services | Shooting Range Lead Mining. Related posts:Gun Range Cleaning Tips: GunStuff TV Interviews James Barthel, CEO of MT2 Firing Range Services about and Lead Reclamation for Indoor and Outdoor Shooting RangesMT2 Announces Thought-Leadership Article Series for the National Shooting Sports Foundation (NSSF) on the Topic of Firing Range Maintenance & Lead Reclamation.MT2 Firing Range Services Announces Opening of New Expanded East Coast Office and Hiring of Eastern Region Environmental and Construction Operations Manager. |
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