How do you choose which homeowner’s policy to buy? There are several levels of protection that cover the structures on your property as well as personal possessions. One of the key distinctions is how the policy defines what’s covered. Named perils coverage is specific to certain catastrophic events. Open perils coverage addresses most events except those excluded by the policy.

Ninety percent of homeowners choose the HO-3 policy, which covers damage to both your home and its contents at current replacement value, up to the policy’s limits. It also provides liability coverage if someone is injured on your property, as well as medical payments and additional living expenses if you’re displaced during repairs.

Earthquake and flood damage are not typically included, but can be added through special riders. You may also need additional coverage for high-value items like fine art or jewelry. Be sure to photograph each room and its contents, and store that documentation in a secure place, such as a safe deposit box.

Your monthly mortgage payment will typically include escrow for your homeowner’s hazard insurance. Failing to maintain proper coverage could result in your lender recalling the loan.

Since the 1940s, the “working triangle” has been known as the model of efficiency for modern kitchens. But as society changes, so do concepts of how kitchen space is utilized.

The kitchen triangle was designed to save steps between the most frequently used appliances—the refrigerator, cooktop/stove/oven, and the sink. This concept worked well for small single-cook kitchens, but today’s busy dual-income and multi-generational households prefer large kitchens where the family can gather, cook, and dine together.  

Saving steps in a large kitchen requires multiple work stations. For example, food preparation begins with retrieving and laying out ingredients for rinsing, chopping and mixing, so the refrigerator-pantry-freezer can triangulate with an island food prep area, complete with a small bar sink for rinsing vegetables. A separate wall sink is optimal next to a dishwasher and trash compactor.  A dish, glassware, and small appliance storage area can adjoin a beverage station for coffee or smoothies. 

This way, families can use meal preparation as a bonding experience, performing different tasks smoothly and efficiently without getting in each other’s way.

Short-term rentals average 8% to 12% ROI, but it’s getting harder to make a profit.

According to a joint report by Airbnb, VRBO, STR, and Datarade, occupancy rates have declined since 2021 while inflation, interest rates, insurance premiums and property management costs are all higher. Municipalities are imposing more regulations on rentals, and many vacation destination markets, like Lake Tahoe, are overly saturated with rentals.

You can still earn strong returns with a short-term rental—even in a less popular location—but guest expectations and competition are higher than ever. Remember, you’re selling an experience, so make the property as inviting and well-maintained as possible. Consider offering thoughtful extras like snacks, bottled water, and s’mores kits for the firepit. Include a detailed guide to local restaurants, attractions, and activities. Stock games, books, and ensure easy access to Wi-Fi. Avoid overloading guests with excessive rules or cleaning tasks at checkout.

Your goal is to drive repeat and referral business through standout hospitality, great communication, and consistent service.

A couple I worked with recently had been searching for the perfect home for months. They had almost given up hope when we found a cozy house that checked all their boxes. The joy on their faces when they walked in for the first time was unforgettable. Moments like that remind me that real estate isn’t just about houses—it’s about helping people find the place where life’s best memories happen.