Grand Junction sheds need not be mere storage space for garden tools and bicycles anymore. They can be an extension of the homeowner’s living space. In the right hands, 120 square feet will never look so good or add so much.
“Most Grand Junction sheds are that vacant space outside your house that can be used for pretty much anything, if you are creative.”
There are hundreds of ways to make a shed work for you. A few innovative ideas include:
The backyard pub
Grand Junction creating a backyard pub makes your backyard an entertainment heaven. Grand Junction open those shed doors wide and invite guests to belly up to the bar with some new funky stools. Add twinkly lights and an iPod station with speakers to finish a perfect party shed.
Library in a shed
Grand Junction how about the house that’s run out of bookshelves, insulate a shed to protect the books and add floor to ceiling built-in bookshelves. Fill the shelves with your favorite books or all the new ones you’ve been meaning to read. Add a chair or two and some plants for good air. Now you’ve got a cozy reading getaway that doesn’t take long to get to.
A game room
Grand Junction are you sick of hearing your teenagers say there’s nothing to do? Fill a shed with a bumper pool table, plenty of board games including the newest card games like Munchkin and Fluxx. Add a small refrigerator filled with sodas, water and snacks to feed hungry teenagers and it’s likely they’ll stay right in your own backyard where you can keep an eye on them from a respectful distance.
Grand Junction keeping treasured items in the attic serves no purpose. Pull them out and set up a shed that showcases the years you’ve put into collecting them. Make the shed an old-music haunt with a turntable and built-in album cases on the walls. Frame old posters and albums, add a couple of comfortable chairs and invite your parents and friends for a walk down memory lane. If motorcycles are your thing, make the shed into a cycle showcase. Add posters and old motorcycle calendars to highlight the ambiance.
The music room
Grand Junction always wanted to bring out your old trumpet or drums from back in the good old days? Want your kids or spouse to have a private place to practice their instruments? Insulate your shed and waterproof it, then add a soft rug and bean bags. Frame favorite music scores to hang on the walls. Build shelves for instruments and music books.
Grand Junction artists have it rough. Their craft often requires lots of accouterments but few people have the kind of artist’s studio needed to inspire creativity. Your backyard shed is the place to organize your paints or yarn or woodworking supplies. Build bookshelves to hold everything you need. Then add a long table for creating and be sure to leave some wall space for inspirational art.
Grand Junction your backyard shed can bring new life to your house and joy for your family. And if the space isn’t working for you any longer, you can take everything out and turn it back into a blank slate.
One last thing. Review your homeowner’s and liability insurance with Sterling Peaks Insurance, particularly if you are putting valuable electronic equipment, musical instruments or family treasures in your new shed.
Grand Junction Colorado your insurance needs will change over your lifetime. Some things, though, stay the same. It may seem like nearly everything can be insured, so knowing whether you have too much insurance—or not enough—can be difficult. Jeff Wuorio, of MSN Money, suggests simplifying this process by thinking about insuring just two things: your life and your stuff.
Life insurance is important for your family if something happens to you. Funeral and burial expenses are just the beginning. Think about how much your family has to have to maintain their current standard of living. Then compare term insurance and whole life insurance policies. Your employer may offer basic insurance that you can add to over time. Grand Junction you should also speak to Sterling Peaks Insurance to figure out what coverage fits your situation.
Homeowners, Renters and Auto Insurance
The rationale behind carrying insurance on expensive assets is the ability to replace them if they are destroyed.
Grand Junction if you own a home and have a mortgage, homeowners insurance is mandatory and is often built into your monthly payments. Ask a Sterling Peaks Insurance agent about adding guaranteed replacement coverage. Also ask about flood or earthquake coverage if your home is in an area that may be affected by these events.
Grand Junction if you rent, ask a Sterling Peaks Insurance agent to go over the assumptions in your policy with you. As you “trade up” for nice things through the years, you may need to increase your coverage.
Grand Junction you are required to carry automobile insurance in most states. Liability protection is a must. If you have a motorcycle, boat, ATV or other motorized equipment, talk to a Sterling Peaks Insurance agent about putting all of your policies together.
Grand Junction spring is here, and the water is calling. It’s time to pull your boat out of storage – and while you may be itching to get out on the water, Grand Junction don’t neglect your boat (vessel). Take the time to ensure that your boat is seaworthy, and the season’s first voyage will be a success.
Review the fuel system for leaks or any visible damage, especially to fuel lines. Damaged fuel lines will often appear to be cracked or brittle. When replacing components, make sure that all connections are secure and free of leaks.
Belts, cables and hoses
Similarly to fuel lines, these parts are often made of rubber which can dry out and crack over time. Make sure that belts are tight and control cables are free of cracks and swells.
Salt in the air and water can corrode your boat’s electronics. Look for and eliminate corrosion with a wire brush and, if necessary, replace any badly corroded components. This is also a good opportunity to check your battery to ensure it still holds a charge.
Check oil, power steering power trim reservoir and coolant levels, and replace any fluids that weren’t changed when the boat was winterized.
Propellers and hull
Look for places where the exterior of the boat has been compromised by dings, scratches, cracks or distortion. Replace the propeller bearings when necessary to keep the blade running smoothly.
Grand Junction make sure you have a well-fitting life vest for each passenger, and that they are in good condition. You should also check to make sure your fire extinguishers are the correct class for your boat, and that they’re charged and easily accessible. Boaters know that owning a watercraft is an expensive hobby, and taking proper care of it can help prevent large repair bills. Help avoid costly bills from accidental mishaps with a boat insurance policy. For more information on taking your boat out of storage, check out this guide by discoverboating.com.
Grand Junction preparing for a long-distance road trip takes careful planning: Deciding on the route, what to take, then strategically fitting it all into the trunk of your car. But what if your vehicle is a motorcycle?
Without the luxury of space, packing what you need for a trip on your bike can be even more challenging. We compiled a list of essentials for a motorcycle road trip from experienced riders and the Harley Davidson website.
So, before you head on down the highway, Grand Junction here are 21 things to have on your motorcycle road trip checklist:
1. First and foremost, make sure everything on your bike is in 100% working order. It’s wise to have it serviced before you leave – fluids changed, valves calibrated, fuel system cleaned, electrical system checked, bulbs changed and tires checked
2. Carry a tire-plug kit with a CO2 tire-inflation system or a small pump
3. A portable GPS system or map
4. A full-face helmet for accident and weather protection
5. Custom earplugs to minimize wind noise
6. Extra gloves (summer or winter depending on the season and a waterproof pair)
7. Riding boots, plus overboots or rain gaiters
8. Cooling neck wrap for warm weather days
9. A heated riding suit for cold weather days
10. Rain gear
11. Protective eyewear, including sunglasses and rain/night goggles
12. Waterproof luggage
13. Bungee cords and nets to secure luggage
14. Backpacks and fanny packs that allow easy access to necessities (cell phone, map, glasses, etc.)
15. Necessary documents, including your ID, insurance and roadside assistance information
16. Trash or zip-top bags to keep items dry
17. A cover to protect your ride
18. Wrenches, sockets and other tools specific to your bike
19. Air pump, flashlight or headlamp, hazard light, cable ties, duct tape, Swiss Army knife
20. First aid kit
21. At least 2 gallons of water to stay hydrated
Grand Junction these items are important to pack, but completing an approved safety course can prepare you for a long road trip on your bike and could save you money on your motorcycle insurance policy.
Grand Junction thinking of taking an RV trip for your next vacation? Before you hit the road, make sure you know which type of RV is right for your lifestyle – and your budget. Grand Junction read on for the lowdown on the different RV types on the market.
What Are The Different Types of RVs?
RVs are divided into two basic categories: motorized RVs and towable RVs. Both typically feature living basics, such as hot water, electricity, plumbing and heating/cooling, but the amenities can vary widely.
Many people love the convenience, power and size of motorized RVs. Since the engine is built in, owners do not have to deal with the hassle of hooking and unhooking the RV from their vehicle. This makes motorized RVs a great option for multi-stop road trips.
The three types of motorized RVs are:
Class A: These motorhomes are the most spacious. Because of the wide range of sizes, Class A RVs can feature kitchens, bedrooms, living areas and full bathrooms, plus all the amenities of home – which make them a popular option for full time RV living. Many models also feature slide-outs to extend the square footage when parked. If you’re looking for space and luxury, a Class A motorhome is the way to go.
Size: 22-40 feet
Class B: Class B motorhomes are the smallest motorized type, but what they lack in size they make up for in convenience and efficiency. Also called “van campers,” Class Bs are a smart choice for small families who want modern living amenities and the ease of van travel.
Size: 15-22 feet
Class C: Class C RVs are a good mid-size option. They typically range from 22-35 feet long and often have an extra sleeping area above the cab. Some also feature side slide-outs. The amenities can range from basic to luxurious. One of the main benefits of Class C motorhomes is their ability to tow a small vehicle, making them a great choice for family vacations.
Size: 22-35 feet
Unlike motorized RVs, towable RVs can be detached from the vehicle, making them convenient for travelers who stay in the same location for a few days. Towable motorhomes are often more fuel efficient than motorized models, so many families choose them for their cost effectiveness. Towable RVs come in a variety of sizes and styles, and amenities can range from basic to luxurious.
The type of vehicle you’ll need to tow your RV depends on several factors, including the weight of the RV and the size of your vehicle’s engine. Be sure to consult your vehicle’s owner’s manual for towing weight restrictions before you tow – or buy – an RV.
Travel Trailer: Travel trailers are the most standard type of towable RV. Because of the wide range of sizes, there’s a model for every family size and budget. Travel trailers are attached with a simple hitch, making it easy to unhook and drive the vehicle independently.
Size: 12-35 feet
Folding Camping Trailer (Pop Up): The small size and tent-like walls of folding camping trailers make them practical for people traveling light or taking weekend camping trips. They’re also a smart choice for travelers on a budget.
Size: 10-25 feet
Truck Camper: Similar in design to a motorized Class C, truck campers are installed on top of a pickup truck and extend over the truck bed. They’re typically compact, but some feature slide-outs for added space.
Size: 10-20 feet
Expandable Trailer: Expandable RVs are essentially a compact version of the travel trailer, but can also expand on both ends for additional space. They’re lighter than many other RV types, but can still be quite spacious.
Size: 20-30 feet
Fifth-Wheel Trailer: According to Go RVing, these RVs get their name from the fifth-wheel hitch used to attach them to a pickup truck. A fifth-wheel RV extends over the truck bed like a truck camper, but offers more space and amenities.
Size: 20-40 feet
Sport Utility RV (Toy Hauler): Designed with bike enthusiasts in mind, the sports utility RV features a spacious storage area for motorcycles, dirt bikes and ATVs. A fold-down ramp makes for easy loading and unloading, and many models have separate living and sleeping areas. For those who want to transport their bikes and have a place to stay, sports utility RVs make sense.
Size: 20-40 feet
Grand Junction once you decide which type of RV is right for you, it’s time to shop. Buyers can get financing on new or used RVs. Grand junction no RV sale is complete without the proper insurance coverage. Whether you choose to buy a new or used RV, keep you and your vehicle safe by getting the RV insurance coverage you need.
Grand Junction riding an ATV can be fun, but if you don’t take the proper precautions, it can also be dangerous. These ATV safety tips can help make your riding experience safe and enjoyable:
Enroll in an ATV Safety Course
Before climbing on an All-Terrain Vehicle, complete a hands-on training course to help prepare you for both on-road and off-road situations.
The Grand Junction ATV RiderCourse, offered by the ATV Safety Institute, offers hands-on training, instructions on protective gear, local rules and regulations, and even a list of riding sites in Grand Junction and the Western Slope. For other options, contact an ATV manufacturer, local Grand Junction ATV riding group or the Grand Junction ATV National 4-H Council.
Wear Protective Gear
Along with experience and skills, you need proper protective gear. Here is some required equipment:
Avoid Paved Roads
While some roads in Grand Junction allow ATVs on paved roads, it is actually unsafe and can increase chances of an accident. Since these vehicles are designed for off-road use, they can more easily overturn or collide with another vehicle. Check with Grand Junction Mesa County rules and regulations on where you can drive your ATV in Grand Junction and Mesa County.
Stick to the Right Number of People
Unless your ATV is designed to carry more than one person, don’t take on a passenger. Most ATVs are single-rider vehicles and are not meant to carry additional people. Some single-rider ATVs have longer seats – not to accommodate a passenger, but to give the driver more room to shift around. Riding with a passenger increases the risk of rolling over and getting into an accident.
Inspect Prior to RidingInspect your ATV before every ride. Here are some key things to check for:
Get ATV Insurance Coverage
Even safe drivers can have accidents, so be sure you have proper insurance coverage to protect yourself and your ATV. Learn which ATV insurance coverage options are right for you.
Tips to keep your little ones safe from a notorious poison
Lead poisoning is a serious health risk, and it’s more common than you might think. According to the Centers for Disease Control and Prevention (CDC), at least 4 million households have children living in them that are being exposed to lead. In the U.S., there are approximately half a million children ages 1 through 5 with blood lead levels above the reference level at which the CDC recommends public health actions be initiated. Fortunately, exposure to lead is preventable. You need to be most cautious with children under the age of 6; they are more likely to come into contact with lead-contaminated objects while they’re playing and exploring the world around them. If you think your family has been exposed to lead, your doctor can run a simple test to check. Meanwhile, here are some tips for keeping your home safe.
Have your home inspected
According to the CDC, approximately 24 million housing units have elevated levels of lead-contaminated house dust. Especially if your house was built before 1978, it may contain lead paint or other sources of lead, including plumbing pipes. If possible, have lead-based paint replaced, and store your belongings during the process.
Keep kidsaway from sources of contamination
Old windows and porches—especially with peeling paint chips that kids can eat—dirt next to old homes and bare soil can all contain lead. If your kids come into contact with these sources of lead, make sure they wash their hands.
Choose toys carefully
Many children’s toys and other items made of vinyl or plastic—such as backpacks, lunchboxes, bibs or car seats—can contain lead. Stick to reputable brands and avoid buying cheaply made or used products.
Tap water can have a high lead content. Consider having your water tested for lead. A list of certified laboratory of labs are available from your state or local drinking water authority.
Keep it clean
Encourage your child to wash up frequently, including bathing after playing outdoors. Wash kids’ toys often, and regularly wipe floors and other surfaces at home with a damp mop or sponge.
Use caution in the kitchen
Don’t store food in open cans. Use glass, plastic or stainless steel instead. Unless you’re sure pottery is lead-free, use it only for decoration and not for serving food.
If you have to work with lead, shower right away, and either wash your contaminated clothing by itself or keep it in your work area. Keep anything that may contain lead, such as materials used in making ceramics, out of the reach of children.
As many as 90% of wildfires are caused by humans – leaving campfires unattended, discarding cigarettes carelessly or other negligent acts. Safeguard your home from wildfires by firescaping your property. Learn what precautions to take within each of the three defensible zones around your property, as well as how to create an ember-resistant home.
Know Your Zones
Create an Ember-Resistant Home
Look for areas outside your home where the siding is near or touching the ground. Wind-blown embers can accumulate at the base of the wall and ignite the building.
A house can have many vents, especially if it has an attic or crawl space – potential ember entry points. Dryer vents, too. Cover all vents with at least 1/8-inch mesh screen to help block embers. If you live in a colder area, however, be careful – the cold weather can cause the vents to become blocked. Check with a professional for guidance on how to proceed.
Some homes have open-eave construction with vents that can allow embers in. In a fire, these areas can also trap heat and cause flammable framing and sheathing to ignite more quickly. A solution is to enclose the underside of the roof overhang with noncombustible or fire-retardant materials.
Install a Drip Edge
Don’t use untreated wood shake or shingle roofing. Install a metal drip edge where the gutter meets the roof to protect sheathing and fascia from water damage. The drip edge also can help keep wind-blown embers from igniting any debris in the gutter.
Replace Single-pane Windows
The glass is the most vulnerable part of a window. Multi-pane windows with tempered glass offer about four times the resistance to breaking when exposed to radiant heat. They also are less prone to breaking, therefore allowing embers and flames to penetrate. Consider replacing domed skylights, which are typically made from a plastic material, with flat, tempered glass skylights.
Check the Deck
A deck can easily fuel a fire. Never store combustible materials underneath it, replace dry and rotted boards, and clear debris between the boards that could catch fire.
Finding a great deal is part of the satisfaction of buying a used car.
But it’s best to ensure you understand what you’re buying, says Christopher Basso of CarFax Corporate. Some who have bought vehicles from private sellers have been shocked to discover their “bargain” cars were flood-, storm-, or crash-damaged and generally unsafe.
“It seems to be a problem across the United States,” says Basso. “These are cars that were in floods, hurricanes, major crashes. These are previously damaged vehicles that may have had their air bags deployed and not properly replaced, had frame damage that puts people’s safety at risk. These are cars that have had major damage that isn’t disclosed.”
Be aware of curbstoning
Such sellers are called “curbstoners,” and they peddle cars with what Car and Driver calls “troubled pasts.” Writes Car and Driver’s Paul Duchene: “Salvage titles, odometer rollbacks, cars that won’t pass inspections, flood-damaged cars and even stolen cars can be flipped onto unsuspecting buyers who believe the seller’s untruths. “’It’s a great car, I’ve had it for years,’ they might say.”
Curbstoning can be a big business. Many people who sell such cars may actually meet the threshold that takes them from private seller to auto dealer. That doesn’t mean your local auto dealer does shady deals on the side. Legally, an auto dealer is defined as one who sells a certain number of cars in a year.
The number varies per state. For example, anyone in Ohio who sells more than five vehicles – even privately – in a period of 12 months is required to obtain a dealer’s license, notes DMV.org.
One major reason dealers’ licenses are required is to protect consumers. Private sellers aren’t bound by the same state and federal laws as dealerships and can sell vehicles “as is” without any warranty, says DMV.org.
“Buying a used vehicle through a private sales transaction can pose several risks,” says Charles Cyrill, National Automobile Dealers Association, of McLean, Va. He said such sales put an extra burden on the buyer, who wants to know: “Is the vehicle safe to drive? Has the vehicle been damaged by a flood? Is it salvaged? Is it under an open recall? Do you know the seller?”
Car buyers receive all of these answers and competitive financing rates, access to factory trained technicians and more when they buy from licensed automobile dealers, notes Cyrill.
The New York Times recently reported that even car buyers in states far from floods, hurricanes and other disasters should proceed with caution when buying from a private seller.
Heavy rains and flooding in the first half of last year damaged an estimated 7,000 to 10,000 insured cars in Texas, according to the Times. There’s no immediate estimate on the number of uninsured cars damaged in those extreme conditions.
All the cars that were affected, however, are at risk for a myriad of mechanical, electrical and computerized damages that may make them unsafe to drive. That damage might not become obvious until months or years later.
Some owners of such cars clean them up and ship them out of the areas where they were damaged and sell them “as is.” Some sellers use illegal actions to obtain clean titles for the cars or even swap vehicle identification numbers with another car to hide the damage.
So does that mean you shouldn’t ever buy a car from a private dealer? No, but due diligence is needed.
What to look for when used car shopping
Check the car’s repair history through the National Motor Vehicle Title Information System. You can also obtain reports on sites such as CarFax that detail damage.
Don’t stop there, though. Look at the car. Do you see mismatched paint, mud in unusual places or a lack of bolts or screws? Does the car smell moldy or damp?
“We don’t want to discourage anybody from buying a car from a private seller and getting a great deal,” says Bosso. “You just need to make sure you know from whom you are buying. This underscores the fact that where you choose to shop and from whom you buy are just as important as what you are buying.”
In addition to making sure your new car is in good condition, it’s important that you have the right coverage to protect yourself and your vehicle on the road. Find out about Sterling Peaks Insurance options to find the right fit for you.
Whether you’re a new driver or an experienced one, driving in bad weather is still stressful. You may actually stay safer on the road by knowing some basics about driving in inclement weather. Check out this short video for tips on bad weather driving.
SPI Reflections Blog
Our blog is about educating our customers and the public about important insurance information that we feel is meaningful.