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How to Refinish Your Kitchen Cabinets on a Budget

by Home Action News

How to Refinish Your Kitchen Cabinets on a Budget

 

Just because your cabinets have aged doesn't mean they need to be replaced. With a touch of creativity and hard work, you can give your cabinets a refresher that won't cost you a fortune. There are many creative and budget-friendly options that will make your cabinets look brand new.

Before you start gutting your kitchen in desperation, consider these budget-friendly ways to achieve a kitchen refresh:

#1: White Paint

White cabinets are refreshing, sleek and will make your kitchen look clean-cut. Painting your cabinets white or any variation of white, such as cream or off white, and then accenting them with colors on your appliances, dinnerware, table, for example, will make the cabinets pop and make your kitchen look updated. Painting is an easy and affordable way to wake your kitchen up. White cabinets have become increasingly popular for those looking for a more modern style in their home.

#2: Contrast by Staining

Stain your lower cabinets a lighter color and upper cabinets a darker color or vice-versa to give your kitchen contrast. This will make your kitchen appear larger and eye catching. Staining cabinets is a simple and cost-effective way to give your kitchen a breath of fresh air. You can also stain both cabinets the same shade for a more cohesive look in case you're not daring enough for a full on contrast.

#3: Update Hardware

Another cost effective way to give your kitchen cabinets a re-vamp is to update the hardware. If you have brass handles, try switching them to gold or even a different style of brass handle. If you have silver handles, try changing them up and installing gold handles. Switching out and updating the handles are easy ways to refinish your cabinets on a budget that doesn't require a lot of work or pocket-emptying.

#4: Glossy Finish

Give your cabinets a glossy shine with high gloss spray paint. Don't let your cabinets remain dull and lifeless: Grab a can of high gloss spray paint and brighten them up. When the sun shines in through the windows in your kitchen, your glossy cabinets will catch the sunlight and brighten the room. Whether your cabinets are painted or wood, adding high gloss spray paint will improve the look of your cabinets and make them appear newer. The high gloss spray paint is a minimal cost with a big improvement.

What You May Not Know about Fire Insurance

by Home Action News

What You May Not Know about Fire Insurance

 

Fire caused by nature, or a natural pest like squirrels chewing through wires, or even a pack of teenage boys carefully ignoring warning labels on fireworks, is never pleasant. It takes on a life of own and can be extremely dangerous to life and property. Fire is considered in the insurance industry as a "peril." With the extensive menu of insurance options available to homeowners and renters, make sure that your policy covers fire damage as a peril or you might have trouble getting the company to pay the claim.

Also note that in addition to your living quarters, fire insurance policies can cover buildings other than your main dwelling. If you have an "other structures" clause, you can have fire insurance coverage for buildings such as garages, barns, pool houses, or storage facilities.

Help Yourself and Your Policy

These simple installations might help you qualify for a discount as well as protect you from severe loss:

  • smoke detectors
  • carbon monoxide detectors
  • a sprinkler system
  • heat detectors
  • fire escapes
  • fire extinguishers
  • storage of flammable substances outside the home

A simple way to help protect your valuables is to have appraisals (in a fireproof safe, or off-site) for high-ticket items like jewelry or artwork. If you don't have an itemized list, you could receive a much lower payout for the insurance company's standard value of such belongings. Insurance companies will only pay so much, and often have caps or limits, on replacement values for luxury items.

Keep paying your insurance premiums even after a fire. Although this seems counterintuitive, paying to keep coverage current will cover anything related to the incident, including pets. So, if you're staying somewhere else while the property is being repaired or rebuilt, your insurance will cover any incidentals while in transition, for example, a kennel for Max. You can even use the policy to cover the place where you are staying for liability purposes.

Included in "incidentals" is temporary housing and essentials. If clothing and necessary items like toothbrushes were destroyed, you can get an advance from your insurance company to cover those types of expenses. Keep every receipt for your, and their records.

Replace or Cashout

Actual cash value (ACV) can differ significantly from replacement value. Actual Cash Value is related to market value, the amount a buyer would have paid  for the property had the home not been destroyed.

Replacement value is probably the best route to take, vs. ACV, as it makes the property as it was before. ACV is subject to the fair market value of the home, which is based on comparables in the area. There could be a considerable gap between fair market and the value of replacing all the home's contents.

 

Displaying blog entries 1-2 of 2

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Contact Information

Photo of Frank Taglienti Real Estate
Frank Taglienti
Berkshire Hathaway PenFed REALTORS®
565 Benfield Road, Suite 100
Severna Park MD 21146
410-440-0824

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