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Hollywood-inspired homes that have the “look, but don’t touch elegance” are a fading trend and home owners now are preferring natural, comfortable spaces.
Consumers’ three favorite home designs are: Inviting, Rustic, and Beachside Charm, according to a new survey conducted by realtor.com®. Visitors were asked to vote for their favorite type of decor as part of their “Get This Look” promotion. Inviting home styles nabbed 23 percent of more than 10,000 votes cast by realtor.com® visitors as the top design choice, followed by Rustic at 22 percent, and Beachside Charm at 21 percent.
“We are seeing a shift in home design trends – leaving behind the glitz and glam for a more natural look – whether that may be a rugged barn with many textures or a serene beach-like feel,” says Farrell. “Today’s style reflects today’s lifestyle and we’ve found that having a space for entertaining family and friends all year round is the number one trend.”
The following is a breakdown of the top three style preferences:
Inviting: This is described as a welcoming atmosphere that includes fun barware, plenty of seating, and a gather-worthy kitchen that can serve as the life of the party.
Rustic: This look is for those who prefer natural elements: wood, stone, water and light. This design style usually incorporates organic materials from the outside inside for a perfect balance.
Beachside Charm: This design has a relaxed and casual feel, often incorporating terra cotta tile, patio umbrellas, sundecks, and scattered shells.
Meanwhile, the design styles least favored in the survey: Regal (a design that uses fine fabrics and antiques), Urban, eclectic Mid-Century Modern, and Earthy.
Know about exclusions to coverage. For example, most insurance policies do not cover flood or earthquake damage as a standard item. These types of coverage must be bought separately.
Know about dollar limitations on claims. Even if you are covered for a risk, there may be a limit on how much the insurer will pay. For example, many policies limit the amount paid for stolen jewelry unless items are insured separately.
Know the replacement cost. If your home is destroyed you’ll receive money to replace it only to the maximum of your coverage, so be sure your insurance is sufficient. This means that if your home is insured for $150,000 and it costs $180,000 to replace it, you’ll only receive $150,000.
Know the actual cash value. If you chose not to replace your home when it’s destroyed, you’ll receive replacement cost, less depreciation. This is called actual cash value.
Know the liability. Generally your homeowner’s insurance covers you for accidents that happen to other people on your property, including medical care, court costs, and awards by the court. However, there is usually an upper limit to the amount of coverage provided. Be sure that it’s sufficient if you have significant assets.