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BUYING A NEW HOME IS A MAJOR DECISION AND YOU'LL WANT TO BE
SURE YOU'RE PROTECTING WHAT IS LIKELY YOUR BIGGEST INVESTMENT.
WE GET WITH AN EXPERT TO TALK ABOUT HOME OWNERS INSURANCE.
PEOPLE ARE MOVING BACK INTO THE CITY FOR CLOSER ACCESS TO WORK
PLACES AND FOR THE CONVENIENCE, IT'S THE NEW TREND IN URBAN
APARTMENT HOMES. AND WE'LL VISIT ONE LOCAL TO SEE WHAT'S ALL
ABOUT. YOUR NEW HOME IN UNDER
CONSTRUCTION AND YOU'RE EXCITED ABOUT THE DAY YOU CAN FINALLY
MOVE IN BUT IS IT TERMITE PROOF? JUST BECAUSE IT'S NEW DOESN'T
MEAN TERMITES WON'T ATTACK. WE'LL SHOW YOU WHAT TO DO TO
PROTECT YOUR NEW HOME. THIS IS THE SHOW ALL ABOUT YOU
AND YOUR SPACE. YOUR HOME AND SURROUNDINGS. WE ARE DESIGNING
SPACES. WE JUST MOVED IN AND WE ARE SO
HAPPY IN OUR NEW HOME. WE'RE STILL GETTING SETTLED BUT IT'S
TIME FOR US TO START THINKING ABOUT INSURANCE. AS APARTMENT
DWELLERS FOR SO LONG, IT'S A GOOD IDEA FOR US TO GET TO KNOW
WHAT HOME OWNERS INSURANCE CAN DO FOR US. BUYING A NEW IS A
MAJOR DECISION AND YOU WANT TO BE SURE YOU'RE PROTECTING WHAT
IS LIKELY YOUR BIGGEST INVESTMENT. DESIGNING SPACES
BROUGHT ALL STATE AGENT JENNIFER BARRETT TO KRISTEN'S NEW HOUSE
TO HAVE A HOME SAFETY REVIEW AND TALK ABOUT HOME OWNERS
INSURANCE. I HAD INSURANCE WHEN WE LIVED IN
AN APARTMENT TO COVER OUR BELONGINGS AGAINST THEFT AND
DAMAGE. BUT NOW THAT WE LIVE IN A HOUSE, IT'S A BIT OF A
DIFFERENT SITUATION. I KNOW THERE ARE OTHER TYPES OF
COVERAGE? IT'S IMPORTANT TO MAKE SURE THAT
YOU HAVE THE PROPER PROTECTION. AND IT'S REALLY IMPORTANT TO
TAKE PRECAUTIONS TO MAINTAIN YOUR NEW HOME. BUT FIRST LET'S
TALK ABOUT YOUR HOME OWNERS INSURANCE. BASICALLY A HOME
OWNERS POLICY CAN BE BROKEN DOWN INTO THREE SEPARATE COMPONENTS.
YOU ARE GOING TO HAVE THE PART THAT COVERS THE HOUSE IT SELF.
UNATTACHED OR ATTACHED STRUCTURES SUCH AS YOUR GARAGE,
YOUR POOL, A SHED OR A PORCH. YOU ALSO HAVE COVERAGE FOR SMOKE
DAMAGE, FIRE. IF YOU HAVE WATER DAMAGE, PIPES THAT FROZE,
SOMETHING LIKE THAT. THE SECOND PART OF YOUR POLICY
IS GOING TO BE YOUR CONTENTS COVERAGE. YOUR BELONGINGS
INSIDE. YOU'RE GOING TO HAVE COVERAGE FOR YOUR CLOTHES, YOUR
FURNITURE, YOUR POTS AND PANS. THE FINAL PART OF THE POLICY IS
GOING TO BE YOUR FAMILY LIABILITY. THAT'S GOING TO BE IF
YOU ARE FOUND LEGALLY OBLIGATED TO PAY IF SOMEBODY ELSE IS
INJURED OF IF YOU DAMAGE THEIR PERSONAL PROPERTY.
I ALSO HAVE SOME BASIC TIPS THAT WILL HELP PROTECT YOUR HOME AND
YOUR FAMILY. FOR INSTANCE, DID YOU CHANGE THE LOCKS BEFORE YOU
MOVED IN? NO. YOU NEVER KNOW, WHO MIGHT
HAVE A SPARE COPY OF THE KEYS. OH MY GOODNESS.
I DIDN'T EVEN THINK ABOUT THAT. THAT'S REALLY GOOD TO KNOW. I'LL
CALL THE LOCKSMITH THIS AFTERNOON.
PERFECT. YOU MAY ALSO WANT TO CONSIDER A BURGLAR ALARM SYSTEM.
THAT WOULD HELP DETUR AND WOULD BE BURGLARS. THIS IS ON OUR TO
DO LIST ALREADY. PERFECT.
TO HELP ADD TO YOUR HOME SECURITY YOU MAY ALSO WANT TO
LIGHT UP YOUR ENTRY WAY. YOU CAN ALSO ADD TIMERS TO THE LIGHTS
INSIDE TO MAKE IT LOOK LIKE SOMEONE IS HOME EVEN WHEN YOU
ARE AWAY FOR THE NIGHT OR ON VACATION.
YOU SHOULD REPLACE YOUR SMOKE AND CARBON MONOXIDE DETECTORS.
YOU DON'T KNOW HOW OLD THIS ONE IS.
DID YOU KNOW THAT ONE IN FOUR HOMES EXPERIENCE A FIRE, DON'T
HAVE A WORKING SMOKE ALARM. YOU CAN ALSO USE ALL STATE HOME
MAINTENANCE REMINDERS TO SEND YOU REGULAR ALERTS FOR WHEN IT'S
TIME TO TAKE CARE OF YOUR SMOKE DETECTORS OR YOUR AC FILTERS
OR MUCH MORE. DO YOU KNOW WHERE YOUR CIRCUIT
BREAKER BOX IS? YES. IT'S IN THE GARAGE.
AND WHAT ABOUT YOUR WATER SHUT OFF VALVE?
NO. BUT I'M SURE I CAN FIND OUT. JUST LIKE THE CIRCUIT BREAKER
BOX, YOU SHOULD KNOW HOW TO TURN OFF THE WATER IMMEDIATELY IN THE
EVENT OF A PLUMBING PROBLEM. THIS CAN SAVE YOU THOUSANDS OF
DOLLARS IN THE EVENT OF THAT TYPE OF AN EMERGENCY.
DO YOU HAVE ANYTHING OF VALUE IN STORAGE?
YES. WE ARE STILL MOVING SOME THINGS IN.
MOVING IS CHAOTIC AND BOXES LEFT OUTSIDE ARE AN OPEN INVITATION
TO THEIFS. YOU'LL WANT TO KEEP THEM IN A SECURED LOCATION, NOT
OUT IN THE OPEN, EASILY SEEN. ALSO, YOU'RE RENTAL TRUCK, YOU
DON'T WANT TO LEAVE IT UNLOCKED, EVEN FOR A FEW MINUTES. YOU CAN
ALSO ASK AN ALL STATE AGENT ABOUT THE POLICY TO MAKE SURE
THAT YOUR ITEMS IN STORAGE ARE COVERED.
OK. MOVING TO A NEW HOME IS GREAT
TIME TO TAKE INVENTORY OF YOUR BELONGINGS WITH ALL STATE'S
DIGITAL LOCKER. THAT WAY, YOU HAVE A LIST OF YOUR BELONGINGS
AND THEIR VALUE. THERE ARE SEVERAL THINGS THAT WE
RECOMMEND TO OUR CUSTOMERS WHO HAVE BOUGHT A HOME BUT NOT YET
MOVED IN. FIRST, START FRESH. IT'S A GREAT
TIME TO DEEP CLEAN YOUR HOME WHILE IT'S EMPYT. YOU CAN ALSO
RUN PHANTOM LOADS IN THE APPLIANCES LIKE, THE DISHWASHERS
AND WASHER AND DRYER. IT'S A GREAT TIME TO CLEAN OUT THE
FREEZERS, AND THE REFRIGERATOR AND THE OVEN AS WELL.
WE HIRED A PROFESSIONAL CLEANING SERVICE BEFORE WE MOVED IN.
PERFECT. AND FOR PRIVACY ISSUES, YOU WANT
TO PUT COVERING ON THE WINDOWS. I SEE YOU HAVE SOME NEW BLINDS.
CHECK. DONE BEFORE WE MOVED IN. AND THE PEST PROOFING? DID YOU
HANDLE THAT BEFORE YOU MOVED IN? WE SET OF SOME BUG BOMBS. WE
WERE SURPRISED BY WHAT WE SAW ON THE FLOOR BEFORE THE CLEANING
SERVICE CAME IN. TO GET MORE HOME TIPS AND
INFORMATION ON HOME OWNERS INSURANCE GO TO
ALLSTATE.COM/GOODLIFE I'LL DO THAT.
THANKS AGAIN SO MUCH JENNIFER. YOU'RE WELCOME.
IT WAS REALLY NICE OF DESIGNING SPACES TO ARRANGE THIS MEETING
WITH JENNIFER FROM ALL STATE TO GIVE ME SOME POINTERS ON HOME
OWNERS INSURANCE AND HOME SAFETY.
TO SEE THIS PORTION OF DESIGNING SPACES AGAIN GO TO
DESIGNINGSPACES.TV AND CLICK ON THE ALL STATE
VIDEO. YOU WILL ALSO FIND A LINK TO THE
ALL STATE WEBSITE.
FROM UNDERSTANDING INSURANCE AND HOW IT CAN PROTECT YOUR BIGGEST
INVESTMENT TO VISITING THE LATEST TRENDS IN URBAN LIVING
AND LIFESTYLE OR PROTECTING YOUR NEW HOME FROM A DESTRUCTIVE
INVADER. WE WANT YOU TO BE ARMED WITH THE INFORMATION THAT GIVES
YOU THE POWER TO BUILD A BETTER HOME AND LIFESTYLE FOR YOU AND
YOUR FAMILY. WE ARE DESIGNING SPACES.
(MUSIC) FOR MORE INFORMATION ABOUT
ANYTHING YOU'VE SEEN ON TODAY'S SHOW, OR
TO FIND OUT HOW TO BE PART OF THE SHOW, LOG ON TO
designingspaces.tv. YOU CAN VISIT THESE WEBSITES TO
LEARN MORE ABOUT THE PARTICIPANTS ON THIS EDITION OF
DESIGNING SPACES.