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39 tips for every homeowner: Day 5

by Community Manager

‎07-04-2014 04:00 AM

Expect expenses


It’s hard to account for everything that comes with buying a new home. We hope this week of tips will help prepare you for the responsibilities that come with homeownership.


34. Take a video of each room. You can present that or photographs to the insurance company as evidence of the contents of the room in case of a fire or other damage.


35. Expect expenses to be more expensive than you thought. “Younever truly understand how much money you will spend on your home until you own one,” says Scott Halliwell, a Certified Financial Plannerwith USAA. Factor in necessary purchases like window coverings, landscaping equipment and a well-stocked toolbox, plus periodic maintenance items like air filters.


36. Prepare for the worst. “You always need to know what potential hazards can occur in your market,” says Candy Welch, vice president of relocation for ERA Wilder Realty, a Columbia, South Carolina-based firm that participates in the USAA MoversAdvantage® program.“Are you on an earthquake fault, are you in an area susceptible to brush fires, or do tornadoes happen often?”


According to the National Flood Insurance Program, the average flood insurance premium costs $650 annually, a small price compared to the cost of rebuilding an entire home.


37. Think security. Protecting your family is critical. ADT Home Security offers USAA members a discount on installation. [1] Plus, a security system can save you money on your USAA homeowners insurance premium.


38. Know your renewals. If the home has a termite or stucco bond in place or an alarm system contract, “don’t depend on the company to notify you prior to the renewal date,” Welch says.


39. Enjoy your home!






[1]The ADT home security program for USAA members is offered by ADT Security Services, Inc. Two-year monitoring agreement required. All prices, terms and conditions subject to change. For conditions, restrictions and license information, please call or visit and select Shopping and Discounts.



©2014 ADT LLC dba ADT Security Services. All rights reserved. ADT, the ADT logo, 800.ADT.ASAP and the product/service names listed in this document are marks and/or registered marks. Unauthorized use is strictly prohibited. License information available at or by calling 800.ADT.ASAP. CA ACO7155, 974443; PPO17232; FL EF0001121; LAF1639, F1640, F1643, F1654, F1655; MA 172C; NY 12000305615; PA090797; MS 15019511


Use of the term “member” or “membership” does not convey any eligibility rights for auto and property insurance products, or legal or ownership rights in USAA. Ownership rights are limited to eligible policyholders of United Services Automobile Association.


Membership and product eligibility and underwriting restrictions apply and are subject to change.


MoversAdvantage® is offered by USAA Relocation Services, Inc., a licensed real estate broker and subsidiary of USAA Federal Savings Bank. Program may be unavailable for employer- sponsored relocations. Not available for transactions in Iowa or outside the US. This is not a solicitation if you are already represented by a real estate broker.


Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the United States, which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.



Community Managers

Briana Hartzell

Briana Hartzell

Briana knows all about moving. This Navy wife has helped her husband relocate to four different naval air stations in the last three years. A former USAA employee, Briana is co-founder of The Triple Dish, a blog focused on food, fitness and military life.

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Wendy Poling

Wendy Poling

Wendy is a social media strategist and founder of, featuring a popular military spouse blog and the hit podcast Navy Wife Radio and now Military Life Radio. She is the wife of a submariner who has also served in Afghanistan.

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Charles Pratt

Charles "Chazz" Pratt

Charles "Chazz" Pratt III is a former U.S. Army Captain who made the Military-to-Civilian career transition in 1994. In his book, The Fort Living Room Transition Course, he shares valuable tips & tricks to help you succeed. Since his transition from the military, he's worked for several Fortune 500 companies, including Pfizer, Genentech, and St. Jude Medical, among others.

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Scott Halliwell

Scott Halliwell

Scott Halliwell is a CERTIFIED FINANCIAL PLANNER™ practitioner.

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Joseph Montanaro

Joseph "J.J." Montanaro

Joseph "J.J." Montanaro is a CERTIFIED FINANCIAL PLANNER™ practitioner.

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