Your Homeowners Insurance May Cover Only Part of What You’d Pay to Replace High-Value Items

Standard homeowners and renters insurance policies include some coverage for jewelry and other precious items such as watches and furs. Like other belongings, high value items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism.

However, there are special limits of liability for certain items, meaning that the insurer will not pay more than the amount specified in the policy. One important limit is for the theft of jewelry. To keep coverage affordable, because jewelry can be easily stolen, standard policies have a relatively low limit for theft coverage, generally

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Would you be able to remember all the possessions you have accumulated over the years if they were destroyed by a fire or other disaster?

Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses for your income tax return and help you purchase the correct amount of insurance.   Start by making a list of your possessions, describing each item and noting where you bought it and its make and model. Clip to your list any sales receipts, purchase contracts, and appraisals you have. For clothing, count the items you own by category (pants, coats, shoes, for example), making notes about those that are especially valuable. For major appliances and electronic equipment, record the…

  Event Title: Milk & Cookies with Santa

Date: Sunday, December 11th 2:00-4:00pm

Details: Get into the holiday spirit with FREE milk/hot chocolate and cookies with Santa Claus! 
Bring the whole family on December 11th from 2-4 PM for a fun-filled afternoon of holiday activities! 
Kids can take a FREE Complimentary photo with Santa while enjoying a glass of cold milk and warm cookies on us.

Happy Holidays from all of us at The Real Estate Gallery! We hope to see you there!

   

Event Name: Downtown Christmas Parade

 

Date: December 9, 2016

 

Location: Downtown Bryan

 

Time: 6:30 pm

 

Details: The ONLY light parade in Bryan-College Station. Starting at 24th and Bryan street, floats, fire engines and vehicles covered in lights. A night full of fun. Santa is even rumored to be there after the parade is over.

Ingredients 

• 10 medium Russet potatoes, peeled and coarsely chopped
• 1/4 cup unsalted butter, diced
• 8 ounces cream cheese, softened and cubed
• 3 cloves garlic, minced
• Milk or cream, as needed
• 1/4 cup chopped fresh parsley
• Salt and pepper, to taste

Instructions              

1. Bring a large pot of salted water to a boil. Add chopped potatoes and cook until fork tender, about 15 minutes.
2. Drain the potatoes and place them in a large bowl. Add the butter, cream cheese and garlic.
3. Mash the potatoes with a potato masher until they reach the desired consistency and texture, adding milk or cream, as needed. Stir in the parsley and season with salt and pepper, to taste.

 

When designing, or redesigning a kitchen for your home it is important to have an idea of what kind of cabinets you will put in. Kitchen cabinets define a kitchen with design as well as accessibility, so it is key to have a set that can handle both aspects. It’s exciting and overwhelming to choose what kind of kitchen cabinets your future dream kitchen will have, so be sure to do your research for what will best suit your home. Here are the basics for kitchen cabinetry:

Base Cabinets:

Sometimes called lower cabinets, these are the sturdy cabinets that build the upper base of the kitchen, like counter tops and kitchen islands. This is where most your kitchen storage space will be, for items such as pots, pans, cleaning items, etc. Usually

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When putting your house on the market, there is a checklist of things to do in preparation. However, there are small things that people forget to do that can make or break a deal. Don't worry, we've got you covered with 4 tips and tricks that will help your home sell on the market. 

Hide Wires in your Home:

This simple fix will make your home look bigger and less cluttered. No buyer wants to see unsightly wires all over the place when they come to visit.

Ways to do this:

Use binder clips even paper towel rolls to keep cords together, then use a light adhesive to hide behind a desk or entertainment stand.

Clean the small things:

These are the things we see everyday and never notice are truly dirty. Baseboards,Windows and

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Congratulations, you’ve made it all the way to the home inspection!

It is important to note that a home inspection is completely optional to the buyer, but generally is a great idea. It’s very important to be aware of all your choices for home inspection. Below we will go over a few of the basics about home inspection and what you should expect.

What is a Home Inspection?

By definition, a home inspection is a limited, non-invasive examination of the condition of a home, often in connection with the sale of that home. It includes an in-field, primarily visual evaluation and professional opinion of the performance of the readily accessible installed systems in a home.

These evaluations should be performed by certified professional

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Real Estate Market Stats for Bryan/College Station

October 2016
Sales Closed: 185
Total Sales Amount: $49,335,000
Average Sales Price: $240,670
Average Days on Market: 95

Would you like a better understanding of our market statistics?

We would be happy to consult with you on how these numbers effect your buying and selling experience!
Call Us @ 979-846-TEAM (8326)

 

Top Tips that First Home Buyers should know

1. Shop a Loan

Interview at least three lenders and compare the “good faith” estimates. A good faith estimate is used to compare offers from different lenders or brokers. The process can take as little as an hour, but make sure you tell each the same scenario to compare costs and interest rates apples to apples. They should respond to you quickly. Look for a loan that you’d be comfortable taking on for at least 3 years.

2. Set a Budget

Figure out what you can realistically afford month in and month out. Pay off or lower credit card minimum payments, student loans, and car loans before you take on a mortgage if possible.

3. Improve on Credit

One common misconception is that less

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