The Judy Niemeyer Team Blog

Mobile Eastern Shore Real Estate For Sale:

5897 Pine Grove Drive, Fairhope AL 36564

MLS# 179014

Don’t miss this incredible buy in a wonderful location at the Lakewood Club Estates, on the 9^th hole of the premier Lakewood Golf course.  This home boasts a split bedroom plan with a private office or studio off the master bedroom.  You will enjoy entertaining in this home.  There is even storage for your golf cart plus a workshop area.  Property is sold as is.

Learn more about 5897 Pine Grove Drive and other Mobile Eastern Shore Real Estate For Sale by visit JudySells.com.

Search all Mobile Eastern Shore real estate for sale.

The Judy Niemeyer Team knows that selling or buying a Mobile Eastern Shore home is a major event in your life. It represents one of the largest single investments you may make in your lifetime. It is, therefore, our Goal to make this experience a seamless one. Whether buying Mobile Eastern Shore real estate or marketing Mobile Eastern Shore homes for sale, we will provide unparalleled professional, quality service and the most productive approach to achieving your goals.

You can contact Judy by email  or by calling 251-990-0569.

Tags: 5897 Pine grove, Mobile Eastern Shore real estate for sale

Part I of this article dealt with the cost of homeowners insurance for your Mobile Eastern Shore real estate and covered such areas as deductibles, discounts, and deals. Part II focuses on coverage, both basic and extended and services you should expect from an insurance company.

COVERAGE:

• Rebuilding: A common mistake made by owners of Mobile Eastern Shore real estate is to confuse a house’s market value with its replacement cost. Your insurance should cover the cost of rebuilding your home, and the value of the land should not be included in calculating that figure. To determine the replacement cost, most insurance companies use software that considers your home’s features, and most policies include coverage for up to 125% of the replacement cost.
• Liability: In these days of unusually high lawsuit awards, Don Griffin, the vice president of Property Casualty Insurers Association of America, recommends buying an “excess liability” or umbrella policy to cover you for one million dollars beyond what is already covered.
• Personal property: Most policies cover only 50% to 75% of the cost to replace the personal property in your Mobile Eastern Shore real estate. Seriously consider separate endorsements (also called riders or floaters) for some of your valuables such as fine art works, expensive collections (stamps or coins, e.g.), and jewelry. Here is an online property inventory checklist.
• Living expenses: Make certain your policy contains coverage to defray expenses you incur is you are forced to vacate your property while it is being rebuilt or repaired.
• Exclusions: Finally, carefully read the exclusions section of your policy to be aware of what is not covered.

SERVICES:

What you should expect from your insurance company is accessibility, a hassle-free claims process, assistance with the inventory of your Mobile Eastern Shore real estate holdings, contractor recommendations with workmanship guarantees, and home clean-up after a major loss.

Continue Reading »

Tags: insuring your home, kudy niemeyer, mobile eastern shore homes for sale, mobile eastern shore real estate homeowners insurance

Mobile Eastern Shore Homes For Sale:

204 South Mobile Street, Fairhope AL 36532

MLS# 178298

This turn of the century home boasts spectacular views of the bay.  You will be able to watch 4^th of July fireworks from your bayside yard, and walk to the pier and downtown.  Inside this wonderful home you will find heart pine floors throughout the downstairs, a fabulous oversized kitchen that has been updated with a 6 burner stove. Watch the sunset from one of the fabulous porches.

Learn more about 204 South Mobile Street and other Mobile Eastern Shore homes for sale by visiting JudySells.com.

Search all Mobile Eastern Shore homes for sale.

The Judy Niemeyer Team knows that selling or buying a Mobile Eastern Shore home is a major event in your life. It represents one of the largest single investments you may make in your lifetime. It is, therefore, our Goal to make this experience a seamless one. Whether buying Mobile Eastern Shore real estate or marketing Mobile Eastern Shore homes for sale, we will provide unparalleled professional, quality service and the most productive approach to achieving your goals.

You can contact Judy by email  or by calling 251-990-0569.

Tags: 204 south mobile, mobile eastern shore homes for sale

Congratulations! After a long search, you have finally found “the” home, your offer has been accepted, and you’ve signed innumerable documents. Now what? Before you begin to actually move, you need to find a homeowners insurance policy that protects your large investment and meets all the needs of your Mobile Eastern Shore real estate. At this point a wise purchaser will make another investment–one of time–to find the right policy in terms of cost, coverage, and service.

COST:

• The amount of your insurance should cover the cost of replacing or rebuilding your Mobile Eastern Shore real estate holding. That amount is not the same as market value (or even what you paid) since you already own the land. To determine the replacement cost of homes, many insurance companies use software that considers the features of your home and calculates the cost to rebuild. In addition, most policies include coverage for up to 125% of that cost.
• Personal property. Most policies cover personal property at 50% to 75% of the replacement value of the home. Consider adding separate endorsements (also called riders or floaters) for valuables such as fine art, expensive collections, jewelry, etc. How much extra does each of these “extras” cost?
• Explore consumer guides and online sites and interview agents for price quotes. The site for state insurance departments will give you typical rates charged by major insurers in your state. Check Ambest.com and Standard and Poors to ascertain financial stability of the companies you’re considering.
• Don’t consider price alone. Look for quality service and a solid track record. Registered complaint information can be found at NAIC.com.
• Discounts. Many companies will give you a discount in price if you insure both your car and your Mobile Eastern Shore real estate with them. Ask about other discounts for adding preventative devices such as smoke detectors, deadbolts, security systems, storm shutters, roof reinforcement, modernized plumbing, heating and electrical systems, etc. In addition, because they are at home more often and thus able to quickly detect problems, over 55 retirees often receive discounts.
• Credit rating. Since insurers are increasingly using credit information to influence the price of policies, the higher your credit rating, the lower the cost.

  Continue Reading »

Tags: home buying tips, homeowners insurance, judy niemeyer, mobile eastern shore homes for sale, mobile eastern shore real estate

Mobile Eastern Shore Real Estate For Sale:

6461 Raintree Road, Fairhope AL36532

MLS# 178834

Magnificent views of 14 hole of Azalea, Lakewood’s finest golf course. Built in 2009 with incredible detail, this home boosts hardwood floors, tall ceilings, crown, open floor plan, main level master, den/office with built ins, oversized great room, and an isokern fireplace.  You will enjoy cooking in this fabulous kitchen with marble countertops, Wolf 6 burner gas stove. The 5th bedroom is in guest apt. with living, kitchen, and bath.

 Learn more about 6461 Raintree Road, and other Mobile Eastern Shore real estate for sale by visiting JudySells.com.

Search all Mobile Eastern Shore real estate for sale.

The Judy Niemeyer Team knows that selling or buying a Mobile Eastern Shore home is a major event in your life. It represents one of the largest single investments you may make in your lifetime. It is, therefore, our Goal to make this experience a seamless one. Whether buying Mobile Eastern Shore real estate or marketing Mobile Eastern Shore homes for sale, we will provide unparalleled professional, quality service and the most productive approach to achieving your goals.

You can contact Judy by email  or by calling 251-990-0569.

Tags: 6461 raintree, Mobile Eastern Shore real estate for sale

It’s summer, the time of long weekends away from your Mobile Eastern Shore home, fun-filled day trips, and long-awaited vacations. Unfortunately, it is also the time of high gas prices in an already difficult economy, thus making road trips expensive. However, before you feel forced to rethink your plans because of fuel costs, you can take steps to improve your gas mileage and lower expenses; in fact, the Consumer Federation of America has predicted that by practicing these tips, a driver can increase his/her mileage by as much as 13%! So read on–and save!

CHANGE YOUR OIL AND OIL FILTER REGULARLY:

Just as you must change the filter on the heating/cooling system in your Mobile Eastern Shore home, you need to do the same for your vehicle. Because the engine needs to breathe to create maximum power and efficiency, you can gain up to 23 miles on a tank of gas just by replacing the filter.

CHECK YOUR TIRES:

Did you know that more than one fourth of all passenger vehicles have under-inflated tires? Proper inflation can save you 11 cents a gallon of gas.

KEEP YOUR ENGINE TUNED UP:

Want to save 15 cents a gallon? Make certain the car engine is properly tuned up. Use synthetic oil to reduce friction, increase efficiency, and help with mileage. In addition, you should keep fuel injectors clean by using an injector cleaner once or twice a year.

CHECK THE WHEEL ALIGNMENT:

In addition to wearing out your tires at a faster rate, improper alignment makes your engine work harder and reduces mileages by as much as 10%.

PAY ATTENTION TO YOUR DRIVING HABITS:

Five good ones in particular positively affect gas mileage. 1. Drive smoothly. Be patient in accelerating and stopping to save up to 68 cents a gallon. 2. Slow down! For each 5 mph decrease, your fuel consumption is reduced by 7%. 3. Keep your foot off the brake. “Riding” the brake will both wear out your brakes and cost you close to $1.35 per gallon of gas! 4. Avoid excessive idling. For every two minutes not spent idling, you’ll save nearly 1 cent a gallon. 5. Use cruise control on the highway. Maintaining a constant speed will generally save you money

REDUCE THE LOAD YOU CARRY:

Continue Reading »

Tags: gas mileage, judy niemeyer, mobile eastern shore home, mobile eastern shore real estate

Mobile Eastern Shore Real Estate For Sale:

23845 Main Street, Fairhope AL 36532

MLS# 178026

Fabulous property with 200+ feet on the Bay, with a gated entrance.  This is a bank owned property and is sold as is!  This is a Chase Home Finance opportunity, subject to all Alabama right of redemption law!  Property condition may restrict some financing option.  Main home + Guest house + Oversized garage + 2 Apartments.

Learn more about 23845 Main Street by visiting JudySells.com.

Search all Mobile Eastern Shore real estate for sale.

The Judy Niemeyer Team knows that selling or buying a Mobile Eastern Shore home is a major event in your life. It represents one of the largest single investments you may make in your lifetime. It is, therefore, our Goal to make this experience a seamless one. Whether buying Mobile Eastern Shore real estate or marketing Mobile Eastern Shore homes for sale, we will provide unparalleled professional, quality service and the most productive approach to achieving your goals.

You can contact Judy by email  or by calling 251-990-0569.

Tags: 23845 main, Mobile Eastern Shore real estate for sale

All owners of Mobile Eastern Shore homes recognize that keeping cool in hot summer months means paying higher utility bills. However, in the face of the ever-rising cost of living, family budgets strained by the spike in utility use, and the awareness of the need for environmental efficiency, the following money and energy saving tips can certainly help you manage both your comfort level and your finances this summer.

AIR CONDITIONING:

• Keep it off as long as possible.
• Turn the thermostat up before leaving for work or for a vacation. You can save 1-3% per degree above 72.
• Invest in an inexpensive programmable thermostat that will begin cooling your Mobile Eastern Shore home before you arrive home after an absence.
• Use lights only when necessary in order to keep room temperatures cooler. Remember that LED lights use less energy and don’t produce heat.
• Close blinds, shades, and curtains on the sunny side of your house.
• Replace AC filters regularly. Saves another 1-2%.

REFRIGERATOR:

• Cool hot foods before putting them into the refrigerator.
• Be aware that a full refrigerator keeps it cooler. Reasons? The solid food retains the cold, and the tightly-packed items keep the cold air from rushing out an open door.
• Refrain from opening the door too often.
• Store wet foods in tightly-sealed containers to lessen the strain on the condenser.
• Clean the condenser coils and check to ensure that the magnetic rubber seals around the door are tight.

DISHWASHER:

• Save water and energy by doing only a full load.
• Select a shorter cycle.
• Let dishes air-dry.

WATER:

• Turn your water heater down to 120 degrees.
• When taking a shower to cool off, using cool rather than hot water will save energy and reduce the effect of humidity.
• Wash clothes in cooler water and rinse in cold.

COOKING:

Continue Reading »

Tags: energy saving tips, judy niemeyer, keeping cool, mobile eastern shore home, mobile eastern shore real estate

Cozy weekend cottage in bluff area of Old Fairhope. Wonderful covered porch off back for visits in this quiet area. The cottage was rebuilt from slab up in the 1980′s, central air and heat, gas logs in living room fireplace, gas stove. Wood laminate floors, corner lot in a great location.

The Judy Niemeyer Team knows that selling or buying a Mobile Eastern Shore home is a major event in your life. It represents one of the largest single investments you may make in your lifetime. It is, therefore, our Goal to make this experience a seamless one. Whether buying Mobile Eastern Shore real estate or marketing Mobile Eastern Shore homes for sale, we will provide unparalleled professional, quality service and the most productive approach to achieving your goals.

You can contact Judy by email  or by calling 251-990-0569.

Tags: fairhope al real estate, mobile bay real estate, www.judysells.com