So you are looking around for Houston auto insurance. What should you know? In this report I discuss 7 ways you can save money on your auto insurance policy.
Are you inured with a homeowners insurance in Houston or rental property insurance policy? Yes, is it packaged with your Houston auto insurance? No, well than you are missing out on the discounts available when you package your insurance.
Most agents who sell Houston auto insurance, additionally look to package their clients Texas home insurance or renters insurance together. Packaging your home and auto together provides you with additional discounts up to 25%.
Ask your agent about packaged policy savings.
There is no mystery that an individual with a healthier driving record, will pay a lower car insurance premium.
A lot of auto agencies are in fact a group of numerous insurance companies, individually catering to a specific type of client. Bad drivers may fit better in one company, good drivers in another, but the bulk of the population fall in the companies between. These people pay a lower premium than bad operators, but a higher premium than excellent operators.
Even though average drivers might have driving records as good as those insured with the lowest rates, They still pay a higher premium. Why?
This is commonly due to the buyer being uninformed. If you maintain a flawless vehicle record, why should you pay more than you need to. Make sure your agent is helping you take advantage of all the available discounts offered.
The car you choose to drive can greatly affect your auto insurance premium
If you answered yes to one or both of these questions, you may be paying a higher than average premium for your Houston auto insurance policies cover.
Your deductible amount is the cost you are responsible to pay before the insurance company takes care of the rest. Here is an example, an insured is covered with a $500 deductible and the insured has a wreck where their car suffers $1,500 in damage, the insured will first pay $500 followed by your insurance company paying the remaining, $1,000. The smaller your deductible amount, the greater premium you will pay.
Depending on your accident frequency, it may be beneficial to you to increase your deductible and pay a lower premium every year.
Maybe you drive a dated car, with very little worth. You probably do not need collision and comprehensive coverages.
If the value of your car is below $1,000 there is no reason to choose comprehensive and collision coverage. What is the value of your car? Ask your auto dealer or look it up on Kelly Bluebook.
Texas car insurance carriers offer many additional savings discounts.
Do you have a better credit score than accident record? A high credit score may save you a lot of money with some insurance companies.
High or low credit scores may play a major role in shaping auto insurance premium. Good credit scores may provide you with additional discounts while a poor credit score could raise your premium greatly depending on the company. If your credit score improves after you purchase an auto insurance policy, makes sure you let your agent know so you can take advantage of the discounts applied to good credit.
Despite your credit score, speak with your agent and be sure you are with a company that best fits your auto insurance needs.
Learn more about Houston auto insurance online or request a free online auto insurance quote.
At Insurance Over Texas, we take a personal interest in our customers. We like to share information that comes to help you protect yourself and your family from financial loss. If you have any questions, regarding this information or your current insurance coverage, please do not hesitate to give me a call, shoot me an Email, or Ask a Texas insurance question online
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Houston, Texas Auto Insurance – What You Need To Know
Friday, October 29th, 2010Classic Landscape Designs and Traditional Landscape Designs in Houston Texas
Monday, August 30th, 2010In the first millennium, a wealthy Roman family would most likely have had a garden surrounding their home. In it, you might find an open-air palazzo, pergola-style structures dripping with vines and blooming flowers, a dining area with couches for relaxation, water features such as an outdoor water fountain or wall fountain, and walkways that led out into the garden proper, perhaps to a prized rosebush or into an olive grove. These are some of the elements characterizing what is now called classical landscape design, also known as traditional landscape design.
Classical landscape design is a subset of formal landscape design that uses linear, clean lines to develop an uncluttered look. These lines can be drawn with rows of trees and well-trimmed hedges, perfect plantings for the classical landscape design. Or perhaps a seat wall made of regimented terra cotta tiles can do double-duty. Here and there, vines, such as ivy or wisteria, can soften any harshness. In this regard, this style is similar to the Mediterranean landscape design with its Roman and Greek influences.
The History of Classical Landscape Design
Borrowing influences from previous civilizations, classical landscape design solidified in Rome and the surrounding countryside. Villas were built with comfortable courtyards, sparkling with the sound of water, shaded by large trees, fragrant with rosemary and citrus fruits. It was from this setting that we got the term “pleasure garden.”
In England of the late 1700s, property owners started looking backwards, past the Baroque period and the Renaissance, to the beginnings of western civilization. There, they found classical landscapes making use of woods, water, indigenous plants and small temples. These elements were incorporated into the gardens of that day, further defining the principles of traditional landscape design.
By the way, when Rome fell to the barbarians, the gardens had become so exquisite that the barbarians chose not to ransack them. Instead they kept them up and learned from them. This development is one of the early examples of how we, as humans, learned that beauty can change the world: it can stop violence. This principle is now being used to good effect in gardens started as rehabilitation projects in prisons, inner cities and ghettos.
Choices in Classical Landscape Design
As with all landscape design, the architecture of the house needs to be considered when using a traditional landscape design. For this style, the home and landscape can be tied together through the subtle placement of a hardscape feature, such as the use of tumbled travertine for the courtyard flooring.
Because of the formal principles inherent in this style, you want to strike a balance when choosing materials between boring blandness and baroque lavishness. Think instead in terms of interesting variety. For instance, well-contained decorative gravel can provide color and texture. Courtyards, pool decking and patios should use materials that are symmetrical, in keeping with the formal style. Stone, terra cotta tiles and flagstone are appropriate choices. Granite benches, concrete grottoes and marble urns add sturdiness and reference antiquities.
Your preference for classical landscape design can also be demonstrated in the plants you choose. Your residential garden will be enhanced by fruit trees and other dwarf trees-or perhaps a stand of cypress, mulberry or fig trees. The cheery colors of marigolds, hyacinths and roses are well suited for the classical landscape design. Herbs planted in terra cotta pots scent the air and provide fresh flavor in your outdoor kitchen cooking.
Hardscapes in Classical Landscape Design
Color, form, line, scale, and texture are your means of expressing classical landscape design preferences just as they are with modern landscape design.
Hardscapes to include:
? Outdoor rooms for outdoor living. These living areas, in effect, make your home bigger. They also serve to create transition areas that connect the indoor and outdoor spaces. Plus, they further the notion that a garden is a place of rejuvenation. In particular, outdoor kitchens are important to the traditional landscape design.
? Outdoor water fountains. If you remember your ancient world history classes, you know that the Romans perfected the aqueduct. So water is prized within classical landscape design and nothing showcases it like a picture-perfect outdoor water fountain. Look for fountains in formal, Romanesque, Italianate, Mediterranean and rustic styles. Those made of tile, cast stone, cast iron and concrete work particularly well with this style.
? Swimming pools. When placed within a classical landscape design, the shape of your swimming pool should tend towards basic geometric shapes like rectangles and ovals. Thus, the shape of the pool frames the water and turns it into a classical design element of the landscape. It is often efficient to combine the pool with an outdoor water fountain to eliminate some maintenance redundancies.
? Landscape lighting. Landscape lighting is another important element of traditional landscape design as it creates ambiance and lets you enjoy the outdoors, night and day.
Classical Landscape Design: A Houston Setting
“We implemented a classical landscape design for one of our Houston clients, whose home was French Country. For the garden, we chose a design that closely resembles a famous garden in Florence,” says Jeff Halper with Exterior Worlds. “The landscape design makes good use of gravel and limestone, which looks very natural in a Houston garden. And we planted boxwoods, which we trim and shape regularly as part of a well-thought-out residential landscape maintenance plan. It is a lovely and relaxing space.”
Classic Landscape Design and Traditional Landscape Design in Houston Texas
Monday, August 2nd, 2010In the first millennium, a wealthy Roman family would most likely have had a garden surrounding their home. In it, you might find an open-air palazzo, pergola-style structures dripping with vines and blooming flowers, a dining area with couches for relaxation, water features such as an outdoor water fountain or wall fountain, and walkways that led out into the garden proper, perhaps to a prized rosebush or into an olive grove. These are some of the elements characterizing what is now called classical landscape design, also known as traditional landscape design.
Classical landscape design is a subset of formal landscape design that uses linear, clean lines to develop an uncluttered look. These lines can be drawn with rows of trees and well-trimmed hedges, perfect plantings for the classical landscape design. Or perhaps a seat wall made of regimented terra cotta tiles can do double-duty. Here and there, vines, such as ivy or wisteria, can soften any harshness. In this regard, this style is similar to the Mediterranean landscape design with its Roman and Greek influences.
The History of Classical Landscape Design
Borrowing influences from previous civilizations, classical landscape design solidified in Rome and the surrounding countryside. Villas were built with comfortable courtyards, sparkling with the sound of water, shaded by large trees, fragrant with rosemary and citrus fruits. It was from this setting that we got the term “pleasure garden.”
In England of the late 1700s, property owners started looking backwards, past the Baroque period and the Renaissance, to the beginnings of western civilization. There, they found classical landscapes making use of woods, water, indigenous plants and small temples. These elements were incorporated into the gardens of that day, further defining the principles of traditional landscape design.
By the way, when Rome fell to the barbarians, the gardens had become so exquisite that the barbarians chose not to ransack them. Instead they kept them up and learned from them. This development is one of the early examples of how we, as humans, learned that beauty can change the world: it can stop violence. This principle is now being used to good effect in gardens started as rehabilitation projects in prisons, inner cities and ghettos.
Choices in Classical Landscape Design
As with all landscape design, the architecture of the house needs to be considered when using a traditional landscape design. For this style, the home and landscape can be tied together through the subtle placement of a hardscape feature, such as the use of tumbled travertine for the courtyard flooring.
Because of the formal principles inherent in this style, you want to strike a balance when choosing materials between boring blandness and baroque lavishness. Think instead in terms of interesting variety. For instance, well-contained decorative gravel can provide color and texture. Courtyards, pool decking and patios should use materials that are symmetrical, in keeping with the formal style. Stone, terra cotta tiles and flagstone are appropriate choices. Granite benches, concrete grottoes and marble urns add sturdiness and reference antiquities.
Your preference for classical landscape design can also be demonstrated in the plants you choose. Your residential garden will be enhanced by fruit trees and other dwarf trees-or perhaps a stand of cypress, mulberry or fig trees. The cheery colors of marigolds, hyacinths and roses are well suited for the classical landscape design. Herbs planted in terra cotta pots scent the air and provide fresh flavor in your outdoor kitchen cooking.
Hardscapes in Classical Landscape Design
Color, form, line, scale, and texture are your means of expressing classical landscape design preferences just as they are with modern landscape design.
Hardscapes to include:
? Outdoor rooms for outdoor living. These living areas, in effect, make your home bigger. They also serve to create transition areas that connect the indoor and outdoor spaces. Plus, they further the notion that a garden is a place of rejuvenation. In particular, outdoor kitchens are important to the traditional landscape design.
? Outdoor water fountains. If you remember your ancient world history classes, you know that the Romans perfected the aqueduct. So water is prized within classical landscape design and nothing showcases it like a picture-perfect outdoor water fountain. Look for fountains in formal, Romanesque, Italianate, Mediterranean and rustic styles. Those made of tile, cast stone, cast iron and concrete work particularly well with this style.
? Swimming pools. When placed within a classical landscape design, the shape of your swimming pool should tend towards basic geometric shapes like rectangles and ovals. Thus, the shape of the pool frames the water and turns it into a classical design element of the landscape. It is often efficient to combine the pool with an outdoor water fountain to eliminate some maintenance redundancies.
? Landscape lighting. Landscape lighting is another important element of traditional landscape design as it creates ambiance and lets you enjoy the outdoors, night and day.
Classical Landscape Design: A Houston Setting
“We implemented a classical landscape design for one of our Houston clients, whose home was French Country. For the garden, we chose a design that closely resembles a famous garden in Florence,” says Jeff Halper with Exterior Worlds. “The landscape design makes good use of gravel and limestone, which looks very natural in a Houston garden. And we planted boxwoods, which we trim and shape regularly as part of a well-thought-out residential landscape maintenance plan. It is a lovely and relaxing space.”
Commercial Landscape Maintenance in Houston Texas
Thursday, July 29th, 2010Integrity. Professionalism. Fiscal stability. Operating efficiencies. Ethical standards. These concepts are key traits of all top commercial real estate management companies. Not surprisingly, they describe top commercial landscape maintenance companies, as well.
As a commercial property manager or owner, you want to find a commercial landscape maintenance company who will partner with you in reaching your long- and short-term goals. With your daily priorities of meeting the needs and demands of tenants, establishing property security and controlling budgets, time management is critical. Therefore, it will make your job easier to work with a provider who honors your time. Finally, every property is unique, and so you want to work with a landscape service company who will maintain your property so that its strengths are maximized and, just as important, its weaknesses minimized.
Components of a Commercial Landscape Maintenance Program
First, the benefits. A quality maintenance program provides these four advantages:
? Presents a positive image to your customers or tenants and their customers
? Protects your investment
? Extends and retains tenants by maintaining beautiful grounds
? Helps conserve and enhance property value
The basic components of a commercial landscape maintenance program involve:
Landscape design services and installation-
1. Design and installation. In the landscape design phase, a landscape service provider will work with you on the program elements, permitting issues, design approach-including your likes and dislikes-and aesthetics. The next phase may include landscape layout, planting plans and cost studies. In providing landscape services, a true professional should work diligently and patiently to help you define the scope of your project, determine the scheduling, coordinate vendors, assist in the selection of materials, and develop a final budget.
2. Landscape lighting. A well-designed landscape lighting system gives a commercial property 24/7 visibility. Since lighting is a big deterrent of crime, one of the most important services that it delivers is safety, thereby providing an invaluable service to establishments that conduct business at night, such as hotels, country clubs, social clubs, colleges, schools, museums, and restaurants. Ultimately, though, the main propose of landscape lighting is to create a beautiful nighttime vista of the landscape.
3. Irrigation systems. Money savings and convenience are the two main descriptors of an irrigation system. It supplies the appropriate amount of water to the appropriate plant material. It separates the lawn, beds and color areas into different zones that require different watering conditions due to the various plant types and sunlight conditions. Finally, it utilizes controller box technologies, such as timers, time delays and rain sensors, that let you set an automatic schedule based on your landscape needs while, at the same time, allowing you to switch to manual for unplanned events.
4. Drainage systems. With Houston’s heavy soils, low-lying areas and torrential rains, a proper landscape drainage system is essential for three reasons: a) to protect your property from flooding b) to protect the foundation of the building(s) from cracking and uneven shrinkage or swelling c) to properly drain roofs and landscaped areas to avoid standing water that can cause slippery surfaces, breeding grounds for mosquitoes or drowned landscaping. A landscape drainage system should be viewed as a whole to ensure that its appropriate functions and fixtures work together properly.
Regular maintenance-
1. Turf maintenance. One of the most basic features of a commercial landscape maintenance program, turf maintenance is more than just cutting the grass. It is edging, feeding and treating-all activities that promote healthy growth. And it is meticulous clean-up so that your tenants can quickly return to enjoying the grounds once the crew leaves.
2. Trimming hedges and ground covers. As part of a thorough commercial landscape maintenance program, hedges, shrubs and bushes should be trimmed regularly to the desired contours. Ground cover and vines should be edged to maintain a neat appearance. The intention is to ensure that all elements conform to the overall plan of the landscape design.
3. Tree care. A top-notch commercial landscape maintenance company will attend to trees, which are valuable assets. Houston summers can be very stressful for trees, so deep-root fertilization is important because it promotes healthy trees. Aeration also encourages root growth. Trees should be inspected regularly for any insect infestations. Insects, such as pine bark beetles and boring insects, can be tree killers, sometimes striking very quickly, especially when Houston’s weather turns hot or if trees are suffering due to construction duress.
4. Fertilizations. Critical to plant health, regular fertilization is a form of insurance for your plants. Commercial landscape maintenance providers should have a methodical feeding program that insures the health of tropical, acidic and seasonal color plants. The feeding program may also include spring and fall aeration of lawn areas with the application of fall rye grass.
5. Herbicide and insecticide treatments. These programs are also critical to plant health. Continual observation and diagnosis of plant pests and diseases are the last part of a complete and proactive commercial landscape maintenance program.
Seasonal Color-
1. Seasonal plantings are an important part of presenting a positive image for any commercial property. You will want to work with a commercial landscape maintenance company whose extensive knowledge of plant material, color, and texture creates eye-catching designs.
Preventive Maintenance
Preventive maintenance can be your best defense against potential landscape and property damage-or something going wrong just when you need it to go right. In the long run, preventive maintenance saves money.
As a precaution, a professional commercial landscape maintenance company will make periodic surveys of your property to ensure that everything is in good order. Items on the checklist include:
? Tree inspection. Watch for branches touching the building or overhead wires. Dead limbs need to be trimmed to promote vigorous growth. Trees should be regularly checked for disease, decay or wounds and swift action taken as needed.
? Irrigation inspection. It is critical to have irrigation systems working smoothly as proper maintenance minimizes large amounts water pouring out of broken lines and heads. Jeff Halper with Exterior Worlds says, “This service is so important for commercial properties. For some of our clients, it has meant savings of as much as $5,000 to $10,000 per month.”
Landscape Design For Homes in Houston Texas
Tuesday, July 13th, 2010Have you cut out and collected pictures of great landscaping ideas, but now wonder how to actually put them onto your own property? Have you wanted to capture the vision of a stately French mansion on your property in Houston, Texas? Would you like to know whether the plants you’ve admired in European and New England countryside estates will grow on the Texas coastal plains?
If so, you need the services of an experienced residential landscape design professional. A competent landscape designer or landscape architect takes you through the entire design development process, which includes: consultation and program development, analysis of the existing site, conceptual landscaping design, construction documentation and permitting. And then on towards turning the vision in your mind from virtual reality to actual reality.
Landscape design and Analysis of the Site
An essential part of the initial consultation with your landscape designer or landscape architect is a walk around your property. Here is where you get to share your overall vision, detail your wants and needs and desires. It should be a free-flowing discussion about aesthetics, which includes your likes and dislikes of materials, preferences on arrangements-all the “wouldn’t it be nice if…” things you’ve been considering.
Try to be as specific as you can. For example, you may want a deck to seat a party of ten people or a large lawn area on which your three- and five-year-old can play with your Labrador retriever. This detailed information will be brought together by your residential landscape designer or landscape architect to create a program of uses. The program organizes uses by their relationship to one another, much like the inside flow of your home. In fact, the architecture and flow of your home should relate to the architecture and flow of your landscaping. Understanding these relationships and interpreting them well separates the artist-architectural designer from a landscape horticulturalist-contractor.
Residential Landscaping Design
The next step in the design process develops out of the meeting notes, site analysis, program of uses, and the design professional’s experience. At this conceptual level, the landscape designer or landscape architect conveys the overall design intent, such as the general use areas and their sizes, swimming pools and other hardscapes, outdoor kitchens and outdoor fountains, lawn areas, and plantings. This phase will also be the time when it is determined which wish list items are possible on the site and which are not. An overall cost study is developed from the conceptual landscaping design as well.
Moving Forward with you Landscape Design:
Once you have agreed on the overall design intent, sizes of use areas, general material selections and their applications, you are ready to begin the landscaping design development and construction phase. The documentation for this phase can be broken down into three groups: 1) landscaping design drawings for permitting. 2) landscaping design drawings to convey final design intent and material selections for you and the installation contractor 3) landscaping design drawings, called construction documents, with specifications for materials, specifications for their installation and installation methods.
These drawings may be accompanied by a full package of additional drawings to include an existing site survey, tree disposition and elevation plan, tree preservation plan, demolition plan, swimming pool plan, landscape drainage systems, irrigation systems, hardscape plan including outdoor kitchen and outdoor water fountains, landscape planting plan, landscape lighting plan, and construction details for the above plans.
As for permits, each city has its own unique requirements for landscape plan approvals. The norm is a submittal of the entire permitting package to be approved or rejected by a committee board. For this reason, it is important to hire a landscaping company that is fluent in these areas, one who knows what vital information to include, such as lot coverage ratios, engineered drainage plans, pool fencing layout and specifications. It is equally important to omit unnecessary information that could create confusion or send up a red flag that would keep the project from getting approved. A knowledgeable residential landscape designer or landscape architect helps win approval as quickly as possible.
Garden Design and the End Results
Whether your project is a simple landscaping design that only encompasses landscape planting or is a complex construction package, it is vital that you hire a landscape designer or landscape architect that is competent in the skill sets detailed here. For your satisfaction, it is also important to distinguish between off-the-shelf landscaping design and a designer who can reflect your unique style. Always ask to see a portfolio and visit the website to determine if the landscaping company under consideration has the sense of style you appreciate and is one who can design a landscape that complements your home and lifestyle.
Additionally, it is highly recommended that you utilize a landscaping design company that not only does the design work, but also performs project management and landscaping installation. There is a world of difference between someone who has great ideas and another person with great ideas who also knows the availability and best use of local materials, local contractors and their methods of construction, overall cost and budget development, and can then maintain the finished product. In short, you want a landscape designer or landscape architect who can deliver a landscape design solution that flourishes in the Houston climate over the long term.