When the seasons change, it’s natural to want your home to reflect the warmer weather and brighter days. But you don’t need to spend money on brand-new decorations to make your space feel fresh and ready for summer. By reusing items you already have and making a few simple swaps, you can update your home’s look in a way that’s easy on your wallet. Learn how to transition your decor from spring to summer without spending a fortune.

Lighten Up Your Color Scheme

Spring is all about pastels and soft tones, while summer calls for brighter, bolder shades.

What to Do:

• Swap out light pinks and purples for sunny yellows, crisp whites, and ocean blues.
• Look through your linens, throw pillows, and accessories for items in brighter colors and bring them to the front.
• If you’ve used floral prints for spring, try switching to stripes, tropical patterns, or solids for a clean summer feel.

Budget Tip: Use pillow covers instead of buying new pillows. You can even make simple covers from old shirts, sheets, or fabric remnants.

Refresh Your Textiles

Changing out fabrics is one of the fastest ways to give a room a new vibe.

How to Do It:

• Swap out heavy blankets for lightweight throws or no blankets at all.
• Change curtains from thick, insulated panels to breezy, sheer options.
• Replace tablecloths or runners with lighter, brighter alternatives.

Look Around the House: Use scarves, beach towels, or even clean bedsheets to replace heavier fabrics.

Rearrange Decor Pieces

You can breathe new life into your home just by moving things around.

Try This:

• Move spring decor from the entryway to the kitchen, or vice versa.
• Use baskets for organizing summer accessories like sunglasses or sunscreen.
• Replace spring-themed centerpieces with bowls of fresh fruit, seashells, or candles.

Bonus: Rearranging is free, and you might find new favorite spots for items you already love.

Incorporate Nature

Bringing the outdoors in is perfect for summer decorating.

Use What’s Around You:

• Display fresh-cut flowers, greenery, or even branches in jars or bottles.
• Collect shells, rocks, or driftwood from your local beach or park.
• Place potted herbs on your windowsill for a mix of decor and function.

Tip: You don’t need fancy vases—recycled jars, cups, and tins work just as well.

Simplify and Declutter

Summer decor is often lighter and more minimal.

What to Clear:

• Put away heavier spring decor like ceramic bunnies, nests, or layered vignettes.
• Remove some small items to let your space breathe and feel more open.

Storage Tip: Keep a labeled bin or box to store spring items so they’re ready to use again next year.

Refresh with Scent and Light

Appeal to all your senses with seasonal swaps in fragrance and lighting.

Fragrance:

• Use citrus or coconut candles, reed diffusers, or essential oils to bring summer scents inside.
• Open windows more often to let in fresh air.

Lighting:

• Replace warm-toned bulbs with soft white or daylight bulbs.
• Use string lights, lanterns, or battery-operated candles to create a relaxed, summer glow.

Use Everyday Items in New Ways

Sometimes the best decor is already sitting on your shelf.

Get Creative:

• Use a beach hat or tote as wall decor.
• Fill a pitcher with flowers for a unique centerpiece.
• Repurpose a basket as a planter or storage bin.

You’d be surprised how everyday items can take on a whole new life when placed in the right spot.

Final Insights

You don’t need to buy new decor each season to keep your home feeling fresh and festive. With just a few swaps, some creativity, and a little repurposing, you can transition your home from spring to summer without spending much at all. Look around, rearrange, and reuse—you’ve got more decorating power than you think right in your own home.

Swapping out old windows might not sound like the most exciting home improvement project, but it’s one of the smartest ways to cut down on energy bills. Drafty frames and outdated glass could be leaking your hard-earned dollars—literally—right out the window.

Let’s dig into how installing new windows can actually save you money, increase comfort, and boost your home’s value.

How Old Windows Drain Your Wallet

Your windows are a major line of defense against outdoor weather, but older models weren’t built to the same efficiency standards we have today. Most pre-2000 homes have single-pane windows or basic double-pane units that allow heat to pass through easily.

When windows aren’t properly insulated or sealed, your heating and cooling systems have to work harder to keep the indoor temperature comfortable. This leads to:

• Higher energy bills
• Overworked HVAC systems
• Cold drafts and hot spots in your home

According to the U.S. Department of Energy, heat gain and loss through windows are responsible for 25%–30% of residential heating and cooling energy use.

The Benefits of Energy-Efficient Replacement Windows

Upgrading to modern, energy-efficient windows can lead to big savings—financially and environmentally. Here’s what you get when you make the switch:

Lower Monthly Energy Bills

Energy Star–rated windows can save homeowners up to 12% on annual energy bills. In colder climates, that number can be even higher when replacing single-pane windows with double- or triple-pane options.

Improved Comfort Year-Round

Modern windows use advanced technologies like low-emissivity (Low-E) coatings, gas fills (like argon or krypton), and insulated frames to block heat in the summer and keep it in during the winter. That means fewer drafts, more stable indoor temps, and a more comfortable living space.

Increased Home Value

Energy efficiency is a top priority for today’s buyers. According to Remodeling Magazine’s Cost vs. Value Report, homeowners can recoup around 60%–70% of the cost of new windows at resale.

Noise Reduction

Energy-efficient windows also cut down on outside noise, especially if you upgrade to triple-pane models. This makes a huge difference if you live near traffic, schools, or noisy neighbors.

Comparing Window Options

When shopping for new windows, it’s not one-size-fits-all. Here’s a breakdown of common types and how they perform:

Window Type	Energy Efficiency	Cost (Per Window)	Best For	Noise Reduction
Single-Pane	Poor	$100–$300	Sheds, garages	Low
Double-Pane	Moderate to Good	$300–$600	Most homes	Moderate
Triple-Pane	Excellent	$500–$1,000+	Cold climates, noise areas	High
Low-E Coating	High	Add-on cost	All climates	Moderate
Gas-Filled (Argon)	High	Included in premium	Energy savings, insulation	High

*Prices vary based on region and installation costs.

The Payback Period: How Long Until You Break Even?

The up-front cost of new windows can seem steep, but they pay for themselves over time. The exact break-even point depends on your local climate, energy prices, and the condition of your existing windows.

On average:

• Basic upgrades (like double-pane vinyl windows) may break even in 7–10 years.
• Premium models with triple-pane glass and Low-E coatings could take 10–15 years.

But if your current windows are particularly leaky or damaged, the payback time can be even shorter.

Rebates and Incentives: Don’t Miss Free Money

Many utility companies and state governments offer rebates or tax credits for upgrading to energy-efficient windows. Check the Database of State Incentives for Renewables & Efficiency (DSIRE) to see what’s available in your area.

As of 2025, U.S. homeowners may qualify for:

• Up to $600 in federal tax credits for Energy Star–certified windows
• Local rebates from utility providers worth $50–$200 per window

These incentives help reduce the cost barrier and speed up your return on investment.

Do You Really Need New Windows?

Here’s a quick checklist to help you decide:

• Do you feel drafts near your windows?
• Are your energy bills climbing year after year?
• Do you notice condensation between window panes?
• Are your window frames warped, rotting, or hard to open?
• Is outside noise becoming a problem?

If you answered “yes” to even a couple of these, it might be time to consider a window replacement.

Alternatives to Full Replacement

Not quite ready for a full window upgrade? There are smaller steps you can take in the meantime:

• Add weather stripping or caulk to seal leaks
• Use thermal curtains to block drafts
• Install window film for extra insulation
• Consider storm windows for added protection

These options won’t offer the same long-term savings as new windows, but they can provide temporary relief while you plan your investment.

Making the Clear Choice

Upgrading your windows might not be as glamorous as a kitchen remodel, but it’s a decision that pays off—both in dollars and day-to-day comfort. With rising energy costs, choosing efficient windows is one of the best home improvements you can make. They’re not just glass—they’re your home’s front line in the fight against waste.

Helpful Sources and Links

• Update or Replace Windows – U.S. Department of Energy
• Residential Windows, Doors & Skylights – ENERGY STAR
• Windows & Skylights Federal Tax Credit – ENERGY STAR
• DSIRE – Database of State Incentives for Renewables & Efficiency
• Idaho Power Rebates and Offers
• 2023 Cost vs. Value Report – JLC Online
• 2024 Cost vs. Value Report – Zonda

When it rains, it pours—and if your gutters aren’t up to the task, your home could be at risk. Leaky, clogged, or outdated gutters can cause foundation problems, basement flooding, and even mold growth. But with the right gutter system, you can steer clear of expensive repairs and protect your home from top to bottom.

Here’s how to tackle gutter leaks by choosing the right system for your home.

Why Gutters Matter More Than You Think

Gutters may not be glamorous, but they’re one of your home’s most essential defense systems. Their job? Channeling rainwater safely away from your foundation. When they fail, water can seep into your walls, erode landscaping, and crack your foundation over time.

Common signs your gutters might be failing include:

• Pools of water around your foundation
• Peeling paint or mildew near the roofline
• Sagging or detached gutters
• Water stains on siding
• Flooded basements or crawlspaces

These issues may seem small at first, but left unchecked, they can lead to thousands of dollars in damage.

Gutter Materials: What Are Your Options?

The first step to fixing gutter leaks is choosing the right material. Each type has its pros and cons in terms of cost, durability, and appearance.

Material	Cost per Linear Foot	Durability	Appearance	Maintenance Needs
Vinyl	$3–$6	Low (brittle in cold)	Basic look	Easy to install, prone to cracks
Aluminum	$5–$9	Moderate	Paintable, clean lines	Lightweight, prone to denting
Steel	$9–$15	High	Strong, industrial	Can rust without coating
Copper	$15–$30+	Very high	Elegant, patinas over time	Low, but costly
Zinc	$15–$25	High	Matte gray, high-end	Low, long-lasting

Aluminum is the most popular due to its balance of price and performance, but if you’re going for long-term durability and aesthetics, copper or zinc could be worth the splurge.

Gutter Styles: Function Meets Curb Appeal

Next up is choosing a gutter style. The shape of your gutters affects how much water they can handle and how they look on your home.

K-Style Gutters

• Shape: Resembles crown molding
• Capacity: Good for heavy rainfall
• Best for: Traditional and modern homes
• Pros: Affordable, blends well with architecture

Half-Round Gutters

• Shape: Semi-circular trough
• Capacity: Slightly less than K-style
• Best for: Historic or European-style homes
• Pros: Less likely to clog, smoother flow

Box Gutters

• Shape: Square and deep
• Capacity: High capacity for large roofs
• Best for: Commercial buildings or modern homes
• Pros: Great for flat roofs, hidden options available

Seamless vs. Sectional Gutters

One of the biggest decisions homeowners face is choosing between seamless and sectional gutters.

Seamless Gutters

• Made from a single piece of metal
• Custom-cut to fit your home
• Fewer joints = fewer leaks
• Typically installed by professionals

Sectional Gutters

• Come in pre-cut lengths
• Assembled on-site
• More affordable and DIY-friendly
• More joints = more leak potential

If you’re battling gutter leaks already, seamless gutters are often the better choice to prevent future problems.

Gutter Guards: Worth the Investment?

Tired of cleaning leaves and gunk from your gutters? Gutter guards can help keep debris out, reducing the risk of clogs and overflow.

Types of gutter guards include:

• Mesh screens – fine holes block debris but let water in
• Reverse curve – water flows in while leaves slide off
• Brush inserts – cylindrical brushes that catch debris
• Foam inserts – fit directly inside gutters to block solids

While not foolproof, quality gutter guards can cut down on maintenance and extend the life of your system.

Downspouts and Drainage: Don’t Forget the Final Step

Even the best gutters can’t protect your home without proper drainage. Make sure your downspouts:

• Extend at least 4–6 feet from your foundation
• Direct water away from your home’s perimeter
• Are kept clear of blockages and debris

You can also consider adding splash blocks, gutter extenders, or even underground drainage pipes for extra protection.

Professional Installation vs. DIY

Installing gutters might seem like a good DIY project, but improper pitch, poor sealing, and bad ladder work can turn into costly mistakes. Hire a pro if:

• Your roofline is complex
• You’re installing seamless or copper gutters
• You’re not comfortable working at heights

DIY is doable with sectional vinyl or aluminum gutters, but double-check slope and alignment to ensure proper drainage.

How Much Do New Gutters Cost?

The price of a new gutter system depends on material, style, home size, and labor costs. Here’s a rough breakdown:

Gutter Type	Average Cost (Installed)
Vinyl (Sectional)	$600–$1,200
Aluminum (Seamless)	$1,200–$2,500
Steel	$2,000–$3,500
Copper	$4,000–$9,000+

Most homes fall somewhere in the $1,000–$3,000 range.

Staying Ahead of Gutter Leaks

Preventive maintenance is the best way to avoid surprise leaks:

• Clean gutters at least twice a year (more if you have trees nearby)
• Check for sagging, rust, and loose fasteners
• Ensure downspouts are clear and draining properly
• Re-seal or replace joints as needed

A small investment in maintenance can save you from much bigger issues down the line.

Keeping Your Foundation Strong

Gutter leaks might seem like a minor annoyance, but they can lead to major problems if ignored. By choosing the right gutter system and keeping it in shape, you’re not just protecting your roof—you’re defending your entire home from the ground up. A leak-free gutter is more than peace of mind—it’s protection for your most valuable investment.

Helpful Links

• Types of Gutters – The Home Depot
• Types of Gutters and Materials to Consider for Your Home – Bob Vila

Decorating for the seasons is a fun way to keep your home feeling fresh and festive, but it doesn’t have to mean buying new items every few months. With a little creativity and organization, you can rotate seasonal decor using what you already have. By rethinking your current pieces, repurposing everyday items, and making small tweaks, you can give your space a new look each season—without spending a dime. Here’s how to decorate for spring, summer, fall, and winter using what’s already in your home.

Start with a Decor Inventory

Before you dive into decorating, take stock of what you already own. Gather decor items from storage bins, closets, or other rooms and see what can work for different seasons.

• Group by Color and Style: Sort items by warm tones (fall/winter) and cool tones (spring/summer).
• Pull Out Multipurpose Pieces: Candles, vases, baskets, picture frames, and neutral throw pillows can be used year-round with small changes.
• Set Aside Seasonal-Specific Items: These include items with seasonal sayings or holiday-specific colors and designs.

Once you know what you have, it’s easier to create fresh seasonal looks by rotating items in and out.

Embrace Color Swaps

Changing your home’s seasonal vibe can be as simple as swapping out color schemes.

• Spring: Use pastels like light green, pink, yellow, or soft blue.
• Summer: Go bold with bright, tropical colors—think coral, turquoise, or sunny yellow.
• Fall: Choose earthy tones like rust, mustard, burnt orange, and forest green.
• Winter: Stick to rich neutrals or cool hues like navy, silver, and deep red.

Use pillow covers, throws, table runners, or candles to shift the color tone of a room without replacing larger decor items.

Rearrange and Reuse Core Decor Pieces

Rearranging what you already own can instantly refresh a space.

• Move Decor Between Rooms: That vase in the bathroom could look perfect on your dining table this season.
• Layer Accessories: In fall and winter, layer trays, books, and candles for a cozy look. In spring and summer, simplify surfaces with just one or two light pieces.
• Flip or Reverse Decor: Use the blank side of signs, reverse pillow covers, or flip vases to show a different side or texture.

Get Creative with Nature

Seasonal decorating doesn’t have to come from a store—your backyard or neighborhood can be a treasure trove of free materials.

• Spring/Summer: Use fresh flowers, potted herbs, or leafy stems in jars or pitchers.
• Fall: Decorate with pinecones, acorns, fallen leaves, and branches.
• Winter: Collect evergreen clippings, bare twigs, or dried berries for rustic winter touches.

Combine these natural items with decor pieces you already own, like bowls, baskets, or trays, for an effortless seasonal update.

Swap Artwork and Frames

Changing out a few photos or prints can give your space a completely new feel.

• Use Free Printables: Search online for seasonal art printables to update your frames for free.
• Rotate Family Photos: Display outdoor family photos in spring and summer, and cozy indoor shots in fall and winter.
• Layer Seasonal Pieces: Lean framed prints on shelves or mantels and swap them out as the seasons change.

Refresh With Fabric and Texture

Fabric makes a big impact and is easy to rotate seasonally.

• Throw Pillows: Use pillow covers to swap designs or colors without buying new pillows.
• Blankets: Drape cozy throws in fall and winter, and pack them away when the weather warms up.
• Curtains or Tablecloths: If you have extra linens, switching them out can change the feel of a room instantly.

Keep off-season items folded and labeled in a storage bin or closet so they’re easy to access later.

Create a Rotating Decor Bin

Having one or two bins labeled “seasonal decor” makes rotating items quick and simple.

• Store Off-Season Items: When you pack away spring pieces, bring out your summer accents.
• Keep It Organized: Group items by room or theme—this helps you plan and makes switching easier each season.
• Label Everything: Use simple labels so you know exactly what’s inside without digging through everything.

Repurpose Everyday Items

Look at your everyday household items with a creative eye.

• Use Kitchenware as Decor: A colorful mug becomes a planter; a cake stand becomes a centerpiece.
• Books as Decor: Stack books by color for a seasonal display or use open pages for quotes or seasonal phrases.
• Glass Jars and Bottles: These can hold flowers, twinkle lights, or dried seasonal items.

Final Insights

Rotating seasonal decor doesn’t have to mean buying new things every time the weather changes. By using what you already have, making small swaps, and organizing your items with intention, you can create a home that feels fresh and festive all year long—without the extra cost or clutter. Start by shopping your own home, mix things up room to room, and let each season shine through your personal style.

Do you ever think about how to keep your house safe without spending a fortune? You’re not alone. Security is super important, but we all love saving money. Guess what? You can have both! Let’s dive into how you can get a top-notch home security system without breaking the bank.

Home Security Basics: Why It’s a Must

Everyone deserves to feel safe at home. With the right security system, you can keep unwanted visitors away, and you won’t need to dig deep into your pockets. It’s all about being smart and savvy!

Top Tips to Save Money on Home Security:

DIY Installation: Who Needs a Handyman?

Many modern systems are super user-friendly. You can install them yourself, avoiding any setup fees. Plus, you’ll get to know your system inside out!

Bundles & Packages: More for Less

Companies often offer deals when you get a package. Think of it like a meal deal, but for safety. Grab a camera, alarm, and sensor together, and you’ll likely save more than buying them separately.

Seasonal Sales & Discounts: Timing is Everything

Black Friday, end-of-summer sales, or even holiday deals can give you premium systems for a fraction of the price. Keep an eye out for those special days!

Shop Around: Don’t Settle on the First One

Different companies have different deals. Take your time, compare offers, and find the one that fits your needs and budget best.

No Contracts? No Problem!

Some companies try to lock you into long-term contracts. Look for ones that don’t. This way, you can change or stop your service if you find a better deal elsewhere.

Ask About Referrals: Friends Help Friends Save

Many companies will give you discounts if you bring in friends or family. It’s a win-win. Your buddy gets security, and you get savings!

Tech Upgrades: The Future of Savings

With smart tech, you can control your security system from your phone or tablet. This can mean fewer devices and more savings. Plus, it’s really cool to manage your home’s safety from anywhere!

Rebates & Insurance Reductions: Double Bonus

Once you have a security system, you might qualify for discounts on your homeowner’s insurance. Also, some local governments offer rebates for security upgrades.

Stay Loyal: Good Things Come with Time

If you stick with a company for a while, ask about loyalty discounts. After all, who doesn’t appreciate a loyal customer?

Get the Most Out of Your System

Regular Check-ups: Keep Things Running Smooth

Just like cars, security systems need check-ups too. Make sure everything’s working right so you don’t have to spend on big repairs later.

Learn the Features: Be a Security Whiz

The more you know about your system, the better you can use it. This means no accidental alarms (which can sometimes cost you) and making the most out of every feature.

Safe and Sound on a Budget

So there you have it, future security superstar! A safer home doesn’t mean an emptier wallet. With a bit of research, patience, and these tips from Casability, you can sleep soundly knowing both your home and your savings are protected. Ready to make the smart move? We’re here to guide and support you every step of the way!

As seasons change, there’s one superhero in your home that ensures you remain cozy in winter and cool during those sizzling summer days: your HVAC system. But what exactly is HVAC, and why is its proper maintenance such a big deal?

What’s HVAC, Anyway?

HVAC stands for Heating, Ventilation, and Air Conditioning. In simpler terms, it’s the system that warms your toes during chilly nights and offers a refreshing respite when the sun blazes. It also ensures the air you breathe indoors is clean and well-circulated.

Energy Efficiency: More than Just a Buzzword

A well-maintained HVAC system doesn’t just keep you comfortable—it can also save you money. When your system works efficiently, it uses less energy. This not only translates to lower utility bills but also reduces your carbon footprint. A win-win for you and Mother Earth!

Air Quality: Breathe Easier and Live Healthier

Your HVAC system plays a crucial role in filtering the air inside your home. Regular maintenance ensures it effectively removes pollutants, allergens, and other airborne nasties. This means fewer sneezes, healthier lungs, and an overall better living environment.

Boosting Home Value: Turn Up the Heat on Your Resale Value

Should you ever decide to sell, a modern, efficient HVAC system can significantly up your home’s attractiveness. Potential buyers love the idea of moving into a home that promises comfort across all seasons.

The Lifespan Game: Make It Last

Just like any other equipment, regular check-ups and timely repairs ensure your HVAC system enjoys a longer, more efficient life. Ignoring minor issues today can lead to expensive breakdowns tomorrow.

Got It! So, How Do I Ensure My HVAC System is in Top Shape?

Regular Check-ups: Prevention is Better than Cure

Schedule routine inspections with professionals. They can spot potential issues before they become major headaches, ensuring your system runs smoothly year-round.

Filter Changes: A Small Task with Big Impact

Regularly changing or cleaning the filters in your HVAC system ensures better airflow and improves air quality. It’s a simple task but can have a profound effect on your system’s efficiency.

Smart Thermostats: Tech to the Rescue

Upgrading to a smart thermostat can help optimize your HVAC usage. These devices learn your preferences and adjust the heating or cooling accordingly, ensuring optimal efficiency.

Cleanliness Counts: Keep Those Ducts and Vents Clean

Over time, dust and debris can accumulate in your HVAC’s ducts and vents. Cleaning them periodically ensures better air circulation and reduces strain on the system.

Stay Updated: Out with the Old

While maintenance can extend your system’s life, sometimes it’s better to upgrade. If your HVAC is old and frequently breaks down, consider investing in a modern, energy-efficient model.

Your HVAC System: The Unsung Hero

Your HVAC system might hum quietly in the background, but its role in your home’s comfort is anything but minor. At Casability, we understand the nuances of home improvement. From planning to final touches, we’re here to guide you every step of the way. So, whether you’re thinking of an upgrade or just a seasonal tune-up, know that you have a reliable partner in us. Keep that home comfort going strong, and as always, happy home improving!

Protecting your home is crucial, and finding the right insurance company can make all the difference. Updated for 2025, this list of top-rated homeowner insurance providers highlights companies that offer the best coverage, customer service, and affordability. Dive into these industry leaders to find the right fit for your home and peace of mind.

State Farm

State Farm continues to be a top choice for homeowners in 2025. Known for its extensive agent network and personalized customer service, State Farm offers a wide range of homeowner insurance options that cater to individual needs. They provide coverage for both property damage and liability, and their policies are known for flexibility, allowing you to customize coverage based on your home’s location, value, and risk factors.

In 2025, State Farm remains a great option for homeowners looking for reliable coverage at competitive rates. They also offer bundling options for those who want to combine home and auto insurance for added savings.

Key Benefits:

• Nationwide network of agents
• Competitive rates with customization options
• Strong customer service and claims process

Allstate

Allstate remains a strong competitor in the homeowner insurance market, offering comprehensive coverage and helpful tools to simplify the insurance process. In 2025, Allstate’s suite of digital tools and apps makes managing your policy, filing claims, and getting quotes incredibly convenient. Allstate’s homeowners’ policies cover everything from dwelling protection to personal property and liability coverage.

They also offer discounts for new customers, first-time homebuyers, and policyholders who bundle multiple types of insurance. Allstate’s Claim Satisfaction Guarantee continues to give policyholders peace of mind by ensuring that unsatisfied claims can lead to a refund of part of the premium.

Key Benefits:

• Convenient digital tools for managing policies
• Strong claims satisfaction guarantee
• Numerous discount opportunities

USAA

USAA is consistently a top pick for military members and their families, and 2025 is no different. The company is well-known for offering excellent rates, comprehensive coverage, and outstanding customer service. USAA’s homeowner insurance policies cover everything from standard property protection to additional benefits like replacement cost coverage, which ensures that you’re reimbursed for the full cost of repairing or rebuilding your home, not just its depreciated value.

USAA also offers valuable resources and discounts for military families, making it a solid option for those in service or veterans. While membership is limited, those who qualify often find USAA to be unbeatable in terms of price and service.

Key Benefits:

• Exceptional coverage tailored for military families
• Great customer service and claims satisfaction
• Discounts and extra benefits for military members

Liberty Mutual

Liberty Mutual remains a popular choice for homeowners in 2025, thanks to its customizable policies and a wide range of add-ons to enhance basic coverage. The company offers standard coverage for dwelling, personal property, and liability, but also lets policyholders add optional coverage like identity theft protection, inflation protection, and earthquake insurance.

Liberty Mutual is known for providing multiple discounts, including savings for claims-free customers and those who bundle multiple insurance products. Their online quote tool and mobile app make it easy to manage your policy, file claims, and get customer support when needed.

Key Benefits:

• Customizable coverage options
• Multiple discounts and bundling options
• Easy-to-use digital tools

Farmers Insurance

Farmers Insurance offers some of the most customizable homeowner insurance policies on the market in 2025. They provide a variety of coverage tiers, allowing homeowners to choose basic or premium coverage depending on their needs and budget. Farmers also offer optional add-ons like eco-friendly home coverage, which helps cover the cost of upgrading to energy-efficient materials during repairs.

In 2025, Farmers Insurance continues to stand out for its fast and efficient claims process, helping homeowners get back on their feet quickly after a loss. Their responsive customer service and wide range of discounts make Farmers a solid choice for many.

Key Benefits:

• Highly customizable coverage options
• Optional eco-friendly coverage
• Fast and efficient claims process

Nationwide

Nationwide remains a reliable option for homeowners looking for comprehensive coverage at a fair price in 2025. Known for their wide range of insurance products, Nationwide offers a variety of homeowners insurance options, including protection for personal property, dwelling, and liability, as well as additional living expenses if you need to relocate temporarily due to home damage.

Nationwide’s “Brand New Belongings” coverage, which replaces personal items at their current value rather than their depreciated value, continues to be a key benefit. The company also offers discounts for home safety features like burglar alarms and fire extinguishers.

Key Benefits:

• “Brand New Belongings” replacement coverage
• Discounts for safety features and bundling
• Excellent overall coverage at competitive prices

American Family Insurance

American Family Insurance is a top contender in 2025, especially for those looking for personalized service and flexible policies. They offer standard coverage for dwelling, personal property, and liability, but what sets them apart is their dedication to customer service and the wide range of add-ons available. Customers can add protection for identity theft, home-based businesses, and equipment breakdowns, giving homeowners peace of mind that their property is fully covered.

American Family also provides a range of discounts, including savings for loyal customers, those who bundle policies, and first-time homebuyers. Their strong customer service reputation makes them a favorite for policyholders looking for hands-on support.

Key Benefits:

• Flexible coverage options with add-ons
• Great customer service and support
• Discounts for first-time buyers and long-term customers

Chubb

Chubb stands out in 2025 for homeowners with high-value properties. Known for its high-end coverage, Chubb offers more comprehensive policies than many competitors, covering everything from your home to high-value personal belongings like art, jewelry, and collectibles. Their policies also include enhanced features, such as extended replacement cost coverage, which ensures that you’re fully covered even if repair costs exceed the original policy limit.

In 2025, Chubb remains the go-to insurer for those seeking extra protection for luxury homes and valuable assets. Their customer service is exceptional, and their claims process is known for being both quick and thorough.

Key Benefits:

• Comprehensive coverage for high-value homes and personal items
• Extended replacement cost coverage
• Premium customer service and claims process

Final Insights

In 2025, protecting your home with the right insurance company is as important as ever. Whether you’re looking for comprehensive coverage, excellent customer service, or tailored policies, these top homeowner insurance companies continue to lead the way. Compare their offerings and consider your specific needs to make the best decision for your home and financial security.

Welcome to Casability’s guide on roofing materials! Your roof is more than just a protective shield; it’s a long-term investment in your home’s safety, energy efficiency, and aesthetic appeal. This guide is crafted for homeowners like you, with a focus on providing insightful, budget-conscious options. We’re here to help you make a confident choice in selecting the right roofing material.

Understanding the Importance of Your Roof

Your roof does more than just cover your home. It plays a crucial role in insulation, protection from elements, and contributes to the overall look of your house. Choosing the right material impacts not only the durability and maintenance of your roof but also your home’s energy efficiency and resale value.

Asphalt Shingles: The Popular Choice

Why Choose Asphalt Shingles?

Asphalt shingles are the most common roofing material in America, known for their affordability and ease of installation. They come in a variety of colors and styles, fitting seamlessly with most home designs.

Pros and Cons

• Pros: Cost-effective, widely available, easy to install and repair.
• Cons: Shorter lifespan compared to other materials (15-30 years), vulnerable to high winds and can be susceptible to algae growth.

Metal Roofing: Durable and Eco-Friendly

The Rising Popularity of Metal Roofs

Metal roofing, once primarily used for commercial buildings, has gained popularity in residential homes due to its durability and energy efficiency.

Benefits and Limitations

• Benefits: Long lifespan (40-70 years), fire-resistant, energy-efficient, and recyclable. Metal roofs can reflect solar radiant heat, which can reduce cooling costs.
• Limitations: Higher initial cost, noise during rain or hail, and potential for denting.

Tile Roofing: Classic Elegance

Why Consider Tile Roofing?

Tiles, whether clay or concrete, offer a classic, elegant look to your home. They are especially popular in regions with hot weather or where Spanish-style homes are prevalent.

Pros and Cons

• Pros: Long-lasting (50-100 years), fireproof, and offers excellent insulation. They can also withstand high winds and severe weather conditions.
• Cons: Heavy, requiring reinforced roof framing, and more expensive to install and repair.

Slate Roofing: The Premium Choice

The Luxury of Slate Roofing

Slate roofing is known for its natural beauty and longevity. It’s a premium choice that adds a distinctive look to your home.

Advantages and Considerations

• Advantages: Incredibly durable (75-200 years), fire-resistant, and sustainable. Slate roofs are also low maintenance and offer a unique, elegant appearance.
• Considerations: Very heavy, requiring extra roof support, and expensive to install. Repairs can also be costly due to the specialized skills required.

Wood Shingles and Shakes: Rustic Charm

The Appeal of Wood Roofing

Wood shingles and shakes offer a rustic, natural appearance and blend well with natural surroundings. They are usually made from cedar, redwood, or southern pine.

Benefits and Drawbacks

• Benefits: Aesthetic appeal, natural insulation properties, and environmentally friendly. Wood roofs can also be treated to increase fire resistance.
• Drawbacks: Requires regular maintenance to prevent rot, mold, and insect damage. They are also less fire-resistant than other materials unless treated.

Synthetic Roofing: The Innovative Alternative

Exploring Synthetic Options

Synthetic roofing materials, such as rubber, plastic, and polymer, are designed to mimic the look of natural materials like slate or wood, often at a lower cost and weight.

Pros and Cons

• Pros: Lightweight, durable, less expensive than natural counterparts, and often more environmentally friendly. They can offer similar aesthetic benefits as natural materials without the high cost.
• Cons: Quality varies by manufacturer, and synthetic materials are relatively new in the market, which might affect their perceived reliability and acceptance.

Cost vs. Value: Making the Right Decision

Balancing Budget and Quality

While cost is a significant factor, consider the lifespan and maintenance requirements of each material. A cheaper option might mean more repairs and a shorter lifespan, while a pricier material could offer better durability and less frequent maintenance.

Long-Term Investment

Think about your roof as a long-term investment. A durable, energy-efficient roof can save you money in the long run through lower utility bills and less frequent replacements. For example, metal and slate roofs, while more expensive initially, provide excellent long-term value due to their longevity and low maintenance.

Choosing the right roofing material is a crucial decision for your home’s protection, energy efficiency, and aesthetic. Each material has its unique benefits and drawbacks, and the best choice depends on your personal preferences, budget, and climate. At Casability, we’re here to guide you through this important decision, ensuring you have all the information you need to make a confident choice. Remember, a well-chosen roof not only protects your home but also adds to its value and beauty.

Severe weather can strike with little warning, and storm damage can lead to expensive repairs or even put your family’s safety at risk. Luckily, there are simple and budget-friendly steps you can take to protect your home before the next storm rolls in.

Check out these low-cost ways to make your home stronger and safer when the weather takes a turn.

Start with the Basics: Inspect and Repair

Before you spend a dime on upgrades, give your home a once-over. Check for loose shingles, damaged siding, cracked windows, or rotting wood around doors. These small issues can turn into big problems during a storm. Use caulk or weatherproof sealant to patch gaps and cracks, and tighten or replace loose fixtures outside.

Not only are these fixes cheap, but they’re also the first line of defense against water damage and wind infiltration.

Reinforce Doors and Windows

High winds love to exploit weak entry points. Focus on strengthening your doors and windows:

• Storm Shutters on a Budget: While commercial shutters can be pricey, you can DIY plywood window covers for a fraction of the cost. Cut plywood to fit your windows and mark them for quick installation before a storm.
• Weather Stripping: Add or replace weather stripping around doors and windows to block out drafts and flying debris.
• Door Bracing Kits: Inexpensive bracing bars can add strength to exterior doors and are easy to install without pro help.
• Window Film: Safety or security window film helps hold glass together if it breaks, reducing the chance of injury from flying shards.

Anchor Outdoor Items

One of the biggest risks during a storm is flying debris. Even a plastic chair or garbage can lid can become dangerous in strong winds. Here’s how to keep things grounded:

• Secure Outdoor Furniture: Tie down or bring in patio furniture, grills, and trash cans when storms are forecasted. Bungee cords and storage bins are cheap and effective.
• Garden Gear: Store small tools and planters in a shed or covered area.
• Fence Check: Loose fence posts can become a hazard. Reinforce or repair any unstable sections before heavy winds arrive.

Clean Your Gutters and Drains

Clogged gutters can lead to serious water damage, especially during a heavy rainstorm. Make it a habit to:

• Clear Out Debris: Remove leaves, twigs, and buildup from gutters and downspouts.
• Check Drainage Paths: Make sure water is flowing away from your foundation. Use splash blocks or extend downspouts to direct water farther from your home.

These tasks take a little effort but cost next to nothing and can prevent flooded basements or damaged foundations.

Trim Trees and Shrubs

Weak or overhanging branches can crash into your home or power lines during a storm. A little pruning now can save thousands later:

• Cut Back Overhanging Limbs: Focus on limbs close to your roof, windows, and power lines.
• Remove Dead Wood: Dead or diseased trees are more likely to fall.
• Call in Help If Needed: If a tree is too large or near power lines, hire a pro. It’s cheaper than repairing storm damage later.

Strengthen the Roof on a Budget

You don’t need a new roof to improve storm resistance. Here are a few lower-cost ways to beef it up:

• Roof Straps or Clips: These metal connectors help anchor your roof to the walls and are especially helpful in high-wind areas. They can be added by a handy homeowner or installed cheaply during routine maintenance.
• Seal Roof Decking: If you’re re-roofing, ask about sealing the roof deck—a small extra step that offers big protection from water intrusion.

Emergency Kits and Plans

It’s not just about the structure—your safety matters too. Have a low-cost emergency plan in place:

• Stock Basic Supplies: Water, flashlights, batteries, a first-aid kit, and a few days’ worth of food go a long way.
• Charge Your Power Banks: Keep portable chargers ready in case the power goes out.
• Make a Family Plan: Know where to shelter in your home and how to get updates if the internet is down.

You don’t need to break the bank to be storm-ready—just a little planning and effort can make a huge difference.

Check Insurance Before the Storm Hits

While this step won’t physically storm-proof your home, it can save your wallet. Review your homeowner’s insurance and see what’s covered in case of storm damage. Flood insurance is often separate, so double-check if you live in a flood-prone area.

Call your agent if you’re unsure—it’s free and could prevent big surprises later.

Final Insights

Storms are unpredictable, but your response doesn’t have to be. With a few tools, some DIY spirit, and a bit of preparation, you can keep your home safe and save money at the same time.
Look into these upgrades now so you’re not scrambling when the forecast turns stormy.

When spring showers keep you indoors, it doesn’t mean the fun has to stop. Rainy days are a perfect excuse to slow down, get creative, and make lasting memories with your family—all without spending a fortune.
Look into these fun, low-cost ideas to turn a gloomy spring day into one filled with laughter and connection.

Get Creative with DIY Crafts

Crafting is the ultimate rainy day go-to, and it doesn’t have to cost much if you use items you already have at home.

• Nature Collages: Use leaves, flowers, and twigs collected from previous outdoor adventures to create beautiful art.
• DIY Bird Feeders: Smear peanut butter on a toilet paper roll, roll it in birdseed, and hang it outside for a fun and educational craft.
• Rain Sticks: Make homemade rain sticks using paper towel rolls, rice, and foil for a musical project that fits the weather theme.
• Painted Flower Pots: Grab old flower pots and paint them with bright spring designs, ready to use once the sun comes out.

Crafting not only keeps little hands busy but also brightens your home with personal touches of spring.

Build Cozy Forts and Indoor Hideaways

There’s something magical about building a cozy fort on a rainy day.

• Blanket Fort Bonanza: Use chairs, pillows, and blankets to create a mega fort where kids can read, snack, and pretend.
• Indoor Camping: Set up sleeping bags, tell ghost stories, and make microwave s’mores for a full camping experience without the bugs.

Add fairy lights or flashlights for an extra cozy atmosphere that kids will love.

Turn the Kitchen into a Fun Zone

Rainy days are perfect for kitchen adventures that are fun, delicious, and educational.

• DIY Pizza Party: Let everyone create their own mini pizza with different toppings.
• Cookie Decorating: Bake simple sugar cookies and spend the afternoon decorating with icing and sprinkles.
• Fruit Kabob Creations: Turn healthy snacks into a fun activity by letting kids build colorful fruit kabobs.

Cooking together teaches valuable skills and gives everyone a tasty reward at the end.

Bring on the Games and Challenges

Indoor games can turn a dreary day into a competitive, laughter-filled one.

• Board Game Tournaments: Pick a few family favorites and set up a mini tournament with prizes for winners.
• Puzzles: Tackle a big, colorful puzzle as a group project.
• Indoor Scavenger Hunt: Hide small items around the house and create clues or a treasure map for the kids to follow.

These activities bring the family together and create friendly competition without costing a dime.

Host a Movie Marathon

A rainy day is the perfect excuse to binge-watch your family’s favorite movies or shows.

• Pick a Theme: Choose a genre like adventure, superheroes, or animals.
• Make It Special: Create “tickets,” set up a snack bar, and make it feel like a real theater experience.
• Cozy Setup: Pile up blankets and pillows for a comfy, all-day movie fest.

This simple setup can turn an ordinary afternoon into a memorable event.

Get Moving with Indoor Workouts

Just because you’re stuck inside doesn’t mean you have to sit still.

• Dance Party: Crank up the tunes and dance it out in the living room.
• Yoga for Kids: Try beginner-friendly yoga videos to help everyone stretch and unwind.
• Obstacle Course: Use pillows, tape lines on the floor, and other household items to create a mini indoor obstacle course.

Keeping active helps burn off energy and lifts everyone’s mood.

Explore Virtual Adventures

The internet is full of virtual experiences perfect for a rainy day.

• Virtual Museum Tours: Explore famous museums like The Louvre or The Smithsonian online.
• Animal Cams: Watch live streams from zoos and aquariums around the world.
• Art or Science Classes: Check YouTube for free art tutorials or simple science experiments.

Learning something new as a family adds a sense of adventure even while staying cozy at home.

Final Thoughts

Rainy spring days don’t have to be boring or expensive. With a little creativity and some simple supplies, you can turn even the gloomiest weather into a day full of laughter, learning, and family connection.
Dive into these easy and affordable rainy day activities and make the most of your cozy springtime indoors.