Archive for September, 2024

What Is The Average Cost of Home Insurance in California? 

Posted on: September 19th, 2024

With the homeowners insurance crisis in full swing, it’s more important than ever to know which companies offer the best coverage and the most affordable rates. If you’re wondering what the average cost of home insurance is in California, you’re not alone. While we can tell you that State Farm offers the best overall home insurance in California and Allstate has the cheapest average rates, we’re here to give you the details you need to make the best choice for your home and budget. 

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What Is The Average Cost of Home Insurance in California? 

The average cost of home insurance in California is around $1,409 per year, which breaks down to about $117 per month. This rate is well below the national average, which is significantly higher—around $2500 annually. While California homeowners may enjoy lower average premiums overall, the cost can vary greatly depending on factors like location, the age of your home, and the level of coverage you choose. 

For example, homes located in wildfire-prone areas in Northern California will no doubt face much higher premiums due to the elevated risk. Similarly, homes along the coast or in earthquake zones may require extra coverage as well. This can certainly push your annual rate well above the state average. Even though $1,409 is the benchmark, some homeowners in high-risk areas are paying considerably more. 

The ongoing homeowners insurance crisis in California, driven by natural disaster claims, has also limited the number of insurers willing to cover certain regions. As a result, shopping around for coverage and comparing policies has become even more important to ensure you’re getting the best protection for your specific needs. 

California Homeowners Insurance: Things to Consider 

  1. Wildfire Risk: Many areas in California are considered high-risk for wildfires, and this can significantly impact your insurance rates. Some companies may even decline coverage if you’re in a particularly high-risk area. It’s a good idea to explore options like the California FAIR Plan, which offers basic fire coverage for those who can’t get traditional insurance. 
  2. Earthquake Coverage: California is earthquake-prone, but earthquake coverage isn’t typically included in standard homeowners insurance policies. You may need to purchase a separate policy or add a rider to make sure you’re protected if a quake hits.
  1. Rebuilding Costs vs. Market Value: When setting your coverage limits, remember that insurance is based on the cost to rebuild your home, not its market value. Construction costs can fluctuate, especially after natural disasters, so it’s important to review your policy regularly to make sure you’re covered for what it would cost to rebuild today. 
  2. Discounts Are Your Friend: Many insurers offer discounts for everything from installing security systems to having a claims-free history. Make sure to ask your agent what discounts are available and how you can lower your premium without sacrificing coverage. 
  3. Water Damage: While homeowners insurance often covers sudden and accidental water damage, like a burst pipe, it usually doesn’t cover things like flooding or slow leaks. If you’re in a flood-prone area, you’ll need separate flood insurance, and it’s a good idea to regularly inspect your home for any potential leaks to avoid future issues. 

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Cheapest Home Insurance in California 

Allstate offers the cheapest homeowners insurance in California, thanks to its competitive rates and customizable coverage options. They provide affordable premiums by offering discounts for things like bundling policies, installing security systems, or maintaining a claims-free history. Allstate is known for helping homeowners find ways to save while still getting solid protection. 

Right behind Allstate, Travelers offers another affordable option for homeowners insurance in California. Travelers is known for its flexible policies and discounts, such as for new homes or green home certifications, making it a great option for those looking for budget-friendly coverage without compromising on quality. 

Best Homeowners Insurance in California 

While Allstate may offer the cheapest homeowners insurance coverage in California, we believe that State Farm stands out as the best overall option. This might explain why State Farm holds the largest percentage of the homeowners insurance market in the state. Their comprehensive coverage, strong customer service, and vast network of agents make them a go-to for many California homeowners. State Farm also provides flexible coverage options, such as replacement cost coverage, and offers a variety of discounts. Plus, their reputation for handling claims efficiently makes them a preferred choice for those looking for reliability and peace of mind. Here’s a look at estimated annual premiums for various major insurers in California, based on different liability amounts and a $1,000 deductible:

State Farm 

  • $200,000 liability: ~$1,159 
  • $500,000 liability: ~$2,801 
  • $1,000,000 liability: ~$4,230 

Allstate 

  • $200,000 liability: ~$674 
  • $500,000 liability: ~$1,322 
  • $1,000,000 liability: ~$2,600 

Travelers 

  • $200,000 liability: ~$770 
  • $500,000 liability: ~$1,763 
  • $1,000,000 liability: ~$3,340 

USAA (for military members and families) 

  • $200,000 liability: ~$1,065 
  • $500,000 liability: ~$1,721 
  • $1,000,000 liability: ~$3,516 

Nationwide 

  • $200,000 liability: ~$1,120 
  • $500,000 liability: ~$2,790 
  • $1,000,000 liability: ~$4,136 

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How Zip Codes Affect Your California Home Insurance Rates

Where you live in California has a big impact on your homeowners insurance rates, and your zip code plays a major role. Insurers look at local factors like crime rates, weather patterns, and the risk of natural disasters when calculating premiums. Even within the same city, different zip codes can have vastly different rates depending on the neighborhood’s risk profile.

Insurance companies also consider local rebuilding costs, which can vary from one zip code to another. Areas with higher labor and material costs will typically see higher premiums, as it would cost more to repair or rebuild a home in the event of a claim. This means that living in a more expensive area doesn’t just affect your home’s market value—it also directly impacts how much you’ll pay for homeowners insurance. 

Helpful Tips for Selecting California Home Insurance 

Homeowners insurance companies in the Sacramento area are increasingly dropping long-time clients for not keeping up with basic home maintenance. Simple tasks like cleaning gutters, flushing valleys, and regular upkeep can make a big difference. Neglecting these can lead to major issues, especially during the winter months, and put your coverage at risk. It’s increasingly important that you stay on top of these small tasks consistently.

What Is The Average Cost of Home Insurance in California Conclusion

When it comes to homeowners insurance in California, factors like where you live, the risks in your area, and the coverage you choose all play a big role in determining your premiums. Understanding these factors can help you find the best policy for your home while staying within budget. At LNL Construction, we’re the Sacramento general contractor you need for home repair and remodeling. Contact us for a quote!

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How To Paint A Room: How Much Does It Cost?

Posted on: September 14th, 2024

Whether you decide to do it yourself or hire a handyman, changing the color of a room or adding an accent wall is a small way to make a big impact on your home. Learning how to paint a room isn’t necessarily hard, but it can be time-consuming. Having the right tools and the right tips is essential for a successful painting project.

In this guide, we’ll walk you through how to paint a room to get the best results. We’ll also discuss how long it takes to paint a room and how much it costs to paint a room in California. 

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How Long Does It Take to Paint a Room?

The time it takes to paint a room depends on a number of factors. Someone who has more experience will be able to complete the job much quicker than someone painting for the first time. Additionally, the size of the room as well as the complexity of the job will affect the time to complete the project. Finally, the climate you’re in can affect how long it takes. California is generally hot and dry, which makes for faster paint drying times compared to more humid areas.

For a professional or handyman to paint a small to medium room, it might take a total of 4 to 6 hours. This includes 1 to 2 hours of prep work like taping, covering furniture, and patching holes, 2 to 3 hours of cutting in and painting the walls, and about 1 to 2 hours of drying time between coats. Clean-up can take about 30 minutes. 

On the other hand, if you’re going to do it yourself, you can expect one small to medium room to take anywhere from 6 to 10 hours. That includes 2 to 3 hours of prep time (possibly more if this is your first time), 3 to 5 hours of painting, and 1 to 2 hours between coats. Clean-up may take between 30 minutes to an hour. 

The room condition will also affect the time to paint a room. For example, if the walls need repairs or if you need to remove old wallpaper, the process will take longer. The type of paint you use will also affect the time. Latex paints dry quickly, which can reduce the time spent between coats, but oil-based paints take longer. If you need to use a primer, that will add at least an hour to the prep time as well as an hour to dry. Additional coats also add more time to the project.

How Much Does a Handyman Charge to Paint a Room?

A handyman is a skilled worker who is hired to perform various small-to-medium home repair, maintenance, and improvement tasks. They have a wide skill set and are generally knowledgeable on how to paint a room. Hiring a handyman to paint is often more affordable than hiring a painting contractor. But how much does a handyman charge to paint a room? 

Many handymen (and handywomen) in California charge hourly rates for their work, while some may charge a flat rate to complete a project. The average rate for a handyman in California is $28 per hour, but depending on the area, that rate can go up to $60 an hour or more. Typically, you would be responsible for purchasing the paint, but some handmen will charge a markup of 20% to 50% to purchase the paint for you. So if the room takes 4 hours to paint, you might pay between $112 to $240 plus the cost of paint for a handyman to paint a room in your home.  

Another factor to consider is whether the handyman is self-employed or works for a corporation. A self-employed handyman will usually have lower rates. However, hiring a corporate handyman may be pricier, but that often comes with the benefit of their work being insured and guaranteed. 

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How Much Does It Cost to Paint a 12 x 12 Room?

A 12 x 12 room is a fairly standard size for a bedroom, so how much does it cost to paint one? If you decide to paint the room on your own, you’ll need to pay for paint and supplies. A 12 x 12 room is 384 square feet (unless the ceilings are higher or lower than standard). The average can of paint covers between 350 to 400 square feet for a single coat. To paint a 12 x 12 room, you’ll need 1 to 2 cans of paint, which might cost you between $20 to $60 per gallon. Painting supplies, like rollers, brushes, drop cloths, and tape will cost between $30 and $100. So to paint a 12 x 12 room, you’re looking at $70 to $300 for all the materials and paint. 

A handyman will usually take around 4 to 6 hours to prep and paint the room. With a rate of $28 to $60 per hour, the handyman might charge you anywhere from $112 to $360 to paint a room this size. If your room needs a lot of repairs or has complex features like trim, crown molding, or textured walls, this might take even longer. On top of the hourly rate, you’ll have to factor in the cost of the paint. In total, hiring a handyman to paint a 12 x 12 room may cost you upwards of $480. 

When deciding between hiring someone and doing it yourself, there are some things to take into consideration. You may pay less to paint the room yourself, but unless you already know how to paint a room, you may end up using more materials if mistakes occur. Plus, even though you save money, you pay for it with your own time and labor. Hiring a professional may cost more, but you’re paying for their labor, skill, and efficiency. 

How to Paint a Room

If you’ve never painted a room before, you’re probably wondering where to even begin. Painting isn’t necessarily hard, but it does take time, effort, and proper preparation. Here’s a step-by-step guide on how to paint a room: 

Tools and materials:

  • Paint: 1-2 gallons, depending on the size of the room
  • Primer: While primer isn’t always necessary, it does help the paint adhere better to the wall. Plus, it can help cover dark colors with fewer coats of paint.
  • Paint brushes: 2-3 inch angled brushes for cutting in
  • Rollers: Use a heavier nap for textured walls and a shorter nap for flat surfaces
  • Paint tray and liner
  • Painter’s tape
  • Drop cloths or plastic sheeting
  • Putty knife and spackling compound 
  • Sandpaper: 120-220 grit for smoothing walls
  • Step ladder
  • Stir sticks
  • Paint can opener or screwdriver

Steps:

  1. Prepare the room: 
    1. Preparation is one of the most important steps for painting a room. Clear the room of furniture or move it to the center and cover it with plastic or drop cloths. 
    2. Lay down drop cloths to cover the floor and tape around windows, door frames, and baseboards with painter’s tape. Press firmly on the tape when you apply it. This helps keep paint from seeping under. 
    3. If your walls have any cracks or holes, patch them with a spackling compound. When that dries, sand the repaired area down so that it’s smooth and level. 
    4. Finally, use a damp cloth or sponge with mild soap and water to remove dirt and dust from the walls. For tough stains or grime, use a heavy-duty degreaser. Allow the walls to dry completely. 
  2.  Apply primer (optional):
    1. If you’re painting over dark colors, new drywall, or stained or porous surfaces, you should consider using primer. 
    2. Use a roller to apply the primer evenly. Cut in around the edges with a brush. Roll the primer in a “W” pattern until all areas are filled in. Allow the primer to dry according to manufacturer instructions (usually 1 to 2 hours). 
    3. When the primer is fully dry, sand it down lightly with 220-grit sandpaper. Use a wet cloth to wipe away dust. 
  3. Paint:
    1. Begin by cutting in around the ceiling, baseboards, corners, and window/door frames. Hold the brush at a 45-degree angle for better control and precision. This creates a clean edge before using the roller.
    2. Work in small sections so the edges don’t dry before you can blend them with the roller. Painters call this keeping a wet edge. 
    3. Pour paint into the tray, then roll the roller into the paint, making sure it’s evenly covered but not dripping. 
    4. Start at the top of the wall and work your way down, using a “W” pattern. Continue filling in the gaps with up and down strokes. 
    5. Allow the first coat to dry (usually 1 to 2 hours) before applying a second coat if needed. 
  4. Paint trim and details:
    1. Use a small brush to paint the baseboards, window frames, and door frames if needed. 
    2. When painting baseboards, you can use a small piece of cardboard or red rosin paper under the trim to keep paint off the flooring. 
  5. Clean up:
    1. Remove painter’s tape before the paint dries completely. If left on too long, the tape can leave a residue or pull off some of the paint, leaving an uneven line. 
    2. Clean brushes and rollers with warm water and soap for latex paints or paint thinner for oil-based paints. 
    3. Remove drop cloths and put furniture back in place once the paint is fully dry. 

More tips on how to paint a room:

  • Ensure good ventilation while painting and drying. Open windows or use fans if needed. California has strict laws about VOC content in paint, but you’ll still want to be careful when doing it yourself. Plus, the ventilation will help the paint dry faster.
  • Don’t rush, but keep a steady pace to avoid noticeable lap marks. 
  • Don’t overload the roller with paint. Always maintain a wet edge while rolling. 
  • For textured walls, use a thick nap roller of at least ¾ inch to better cover the texture. Press more firmly when rolling to push paint into the grooves. You will likely need more paint due to the uneven surface. 
  • Use a high-quality roller to avoid streaks. 
  • Paint in consistent strokes rather than switching between different motions. 

How to Paint a Room Summary

Painting your room doesn’t just change the color. It can create a whole new ambiance and refresh your space. Now that you know how to paint a room, you can upgrade your home like a pro. 

If you’ve read this guide and decided it’s too much work, don’t worry! LNL Construction has you covered. We’re a family-owned business, and we stand behind our work. Our honest and skilled contractors will help you transform your room for a result you’ll love. 

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