Tag Archives: Florida

Landscaping in Florida

Landscaping in Florida

Landscaping in Florida is not that different compared to other places in the US. This is because companies who offer their services will still mow the lawn, plant trees and do everything else to keep the garden well maintained.

As a contractor, you should know what plants work best depending on the region and know the best places to put them. Since Florida is prone to hurricanes, you should know how to water them properly and be able to protect it.

You should also be able to attract wildlife to the garden. Some plants that can make this happen include the Gold Lantana and the Dwarf Fire bushes that are known to attract butterflies which add beauty to the surroundings.

Don’t forget to use fertilizers for the garden. In Florida, this is very important because soil is a major problem. Most of the time, you will encounter soil that is too sandy which also lacks the necessary minerals for plant growth.

One tree that will never go out of style in Florida is the Sabal Palm that is native to the area. A lot of people decide to plant one in the front or backyard because this compliments Florida’s landscape which people want a part of even in their homes.

When you plant this, remember that this should be placed a few yards away from the house so that in the event that a super hurricane comes again, it will not cause that much damage to the home.

Since most homes in Florida don’t have walls or a gate, you will also plant palm trees to give the homeowners some privacy. Some say this is more effective than putting up a fence because the leaves provide more coverage.

You can plant shrubs and other smaller plants near the house. These are ideal to hide the air conditioner and other things that may not look very attractive to those who drive by. The general rule of course when planning what flowers to use is to make it go well with the color of the house which shouldn’t be a problem if you use native species that are accustomed to the climate.

For people that like to go organic, you can also make your own vegetable garden. Given that soil is a problem, it is best to build a raise bed and then put a layer of erosion cloth so it can deal better with the water coming from the plants. Some vegetables that are perfect for Florida’s weather include herbs, onions, peppers and tomatoes.

The condition of the soil may be a challenge for contractors who still service clients but those who are able to surpass this will be able to do a lot of business.

Those who are starting out should offer their services first in the neighborhood and then expand this to get more clients. Advertising will be important here so they should post flyers, maybe put an ad in the paper or pay for a print ad.

You will be able to succeed should you decide to open a landscaping business in Florida. Just remember to use the plants and trees native to the area so you don’t have to worry about what other species have to be bought in and wonder if this will be able to withstand the hot climate.

How To Get The Best Rates On Homeowner’s Insurance In Florida

How To Get The Best Rates On Homeowner’s Insurance In Florida

For most homeowners in Florida their home represents their biggest investment and their most valuable and prized asset. Therefore it’s only natural that they would want to do everything possible to protect their investment. One way to protect your home and its contents is to purchase homeowner’s insurance.

Even though everyone wants to protect their home in case of a disaster, everyone still wants to get the best rates on homeowner’s insurance in Florida that they possibly can.

The good news is there are several simple steps you can take that can help to reduce the cost of your homeowner’s policy.

Let start by reviewing how much insurance you need. You need enough insurance to rebuild your home from the foundation up and to replace the contents of your home. In other words, after a disaster you need enough money to put things back the way they were.

The one thing you do not want to pay for is homeowner’s insurance on the value of the land underneath your home. Your land doesn’t need to be insured.

Keep in mind that here in Florida most homeowner’s policies have a wind exclusion and no standard homeowner’s policy covers your home in case of flooding. You need to speak with your agent about ways to get insurance for wind and flood.

If your home is more than 10 years old ask your agent how much of a savings you would realize each month if you upgraded the plumbing and the electrical systems. Often the savings can really add up over the course of a year.

Make sure all brush and weeds are cleared at least ten feet away from any structure on your property. This reduces the risk of fire and could result in a monthly savings.

Make certain that every exterior door has a working deadbolt and that every window, regardless of what floor it is on, has a working lock. Let your agent know about any upgrades or improvements that you make to your home or your property. Even new landscaping, fixing cracked or broken walkways or replacing loose floorboards or hand railings on porches or decks can reduce your monthly homeowner’s insurance premium.

Adding motion-sensitive outdoor floodlighting can also reduce your monthly premium as can trimming back bushes away from windows (making it more difficult for burglars to ply their trade).

Inside your home make certain that you have installed the proper number of smoke and fire detectors for the size and layout of your home and make sure they all have fresh batteries at least twice each year. Many people make a habit of replacing the batteries in their smoke and fire detectors every time they switch their clocks forward or backward an hour.

Buy a kitchen-rated fire extinguisher for your kitchen and mount it in a convenient place.

Keep your credit rating clean. Believe it or not, your credit rating affects how much you pay for your homeowner’s insurance. The higher your credit score the lower your monthly homeowner’s insurance premium.

If you have multiple insurance policies, such as auto and health with the same insurance company you should qualify for a special Multi-Policy Discount.

If you’ve been with the same insurance company for at least 5 years talk to your agent about a Long-Term Policy Discount on your Homeowner’s insurance.

If you can afford to install a home security system that monitors your home 24/7 for fire and burglary you could save a considerable amount on your insurance premium each month, but be sure to consult your agent before purchasing any such system as some systems qualify for a much larger discount than other systems.

If anyone in your household is 55 or older and retired you could be due another discount on your premium.

How long has it been since you reviewed your deductible? If you can afford to increase your deductible then you can save a good deal each year on your premium payments.

O.K., that should be enough for you to put together a homeowner’s policy that saves you money month after month, year after year. All that’s left now is to get online and find at least 3 different websites that allow you to compare the cost of your super-policy between different insurance companies and you’ll be all set.

Take the extra time to make your comparisons on at least 3 different websites so you can be certain that you are seeing the prices of all the different insurance companies here in Florida. Once you’ve done that then you can rest easy at night in the knowledge that you have gotten the very best rates on homeowner’s insurance here in Florida.

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