Stage to Sell: 7 Proven Steps to Attract Buyers and Boost Offers

 

Selling your home quickly and at the right price takes more than just listing it online. To draw in potential buyers and secure top offers, your home needs to stand out. That’s where home staging comes in. By strategically preparing your home—through redecorating, repairing, and making it look its best—you can make a lasting impression and significantly increase its appeal.

 

The numbers speak for themselves: according to the U.S.-based National Association of Realtors, 81% of buyers’ agents report that staging makes it easier for potential buyers to envision themselves living in a home. Moreover, 44% of buyers’ and sellers’ agents say that staging can increase a home’s sales price, and 48% of sellers' agents agree it shortens the time a house spends on the market.1

 

You can choose to stage your home yourself with advice from your real estate agent or work with a professional stager. Whichever route you take, here are seven essential strategies to transform your home into a buyer’s dream.
 

 

Step #1: Declutter and Depersonalize

 

The first step in staging is to declutter and depersonalize your home. A recent survey of real estate agents found that this simple step can increase your home’s sale price by 3-5%.2

 

This creates a clean, neutral canvas where potential buyers can imagine their own lives. Remember that staging isn’t interior design—the goal isn’t to add personal, homey touches but to take them away.While you may love having plenty of comfy furniture, family photos, and unique knick-knacks, these items can distract potential sellers and make your home feel smaller.4 Be especially mindful to remove children’s toys and pet items. 

 

The task can feel overwhelming, but consider it a head start on packing for your move — and an opportunity to clear out things you no longer need. If you have a lot of belongings, renting a storage unit might be a smart way to keep things tidy while your home is on the market. 

 

Step # 2: Deep Clean and Repair

A sparkling clean home leaves a fantastic first impression. Deep clean every room, paying special attention to areas that are often overlooked, like baseboards, windows, and appliances. Even minor smudges, scrapes, or signs of pet hair can put off some buyers. Your goal? Make it look like no one has ever lived there!5 

 

Minor repairs are equally important. Fix slight imperfections like chipped paint, regrouting tiles, and replacing worn hardware. These easy cosmetic updates make a big difference in how buyers perceive your home’s value. For example, replacing your floors can offer a return on investment of 100-150%.6

 

Need help getting your home spic-and-span? Let us recommend a professional who can help.
 

 

Step #3: Pick Up a Paintbrush

 

While buyers may repaint after they move in, the colour and condition of your walls still have a big impact on their impression of the home as a whole. Neutral tones like beiges and off-whites appeal to the widest range of buyers—and to the friends and relatives who are also weighing on purchasing decisions.7

 

If your home features bold colours or striking wallpaper, consider a repaint before you list. When choosing paint colours, make sure to think about how they’ll appear in listing photos and videos. Light, neutral shades can make rooms look brighter and more spacious.

 

Repainting is especially important in high-traffic areas like the kitchen. Painting outdated cabinets in white or a soft gray can also modernize your space.8
 

 

Step #4: Enhance Curb Appeal

 

First impressions matter, and your home's exterior is the first thing buyers will see. That’s why most real estate agents urge sellers to clean up their home’s exterior — and why curb appeal can drive up to 7% of a home’s sale price.9

 

Boost your home’s curb appeal by power-washing the exterior and touching up your deck’s varnish.5 If your exterior paint is faded or chipped, consider hiring painters — or for a smaller project, repaint your front door and freshen up first impressions with new hardware and hanging plants.10

 

And don’t forget landscaping! Keep your lawn tidy, remove dead or dying plants, and consider adding seasonal flowers. Even standard lawn service can lead to a 217% return on investment.11 If you need assistance, we’re happy to offer a referral to landscapers in our area.
 

 

Step #5: Stage Key Rooms

 

When staging, concentrate on the rooms that matter most to buyers: the living room, primary bedroom, and kitchen. These spaces have the greatest influence on a buyer’s decision.

 

If you’re working with a professional stager, they may bring in furniture and decor.3 If not, make the most of what you have, and don’t worry about how you’d arrange furniture in real life. This is just about showing off the space. 

 

Arrange furniture to create an open, inviting flow.5 Use large rugs to make rooms appear bigger and ensure artwork complements rather than overwhelms the space.9 Add pops of colour with fresh flowers or simple decor like pillows to bring warmth without personalizing the space too much.
 

 

Step #6: Put Your Home in Its Best Light

 

Lighting is key to creating a welcoming atmosphere in your home. Natural light in particular makes any room feel more airy and spacious, so it’s essential to make the most of it. 

 

First, remove heavy curtains or blinds — if a room feels bare without a window treatment, hang sheer curtains or light-filtering shades to invite the outdoors in. Next, take a look at the landscaping surrounding your home. If overgrown hedges or trees block windows, especially on the ground floor, consider cutting them back or removing them entirely to let in the sunshine. 

 

Of course, homes need more than just natural light — and it’s important to use a combination of types of lighting to suit different uses and moods. Experts recommend that each room have three light sources: ambient lighting (think ceiling lights or chandeliers), task lighting (like lamps or under-cabinet lights), and accent lights (like track lighting and picture lights).13 If needed, replace outdated fixtures with more modern options.14 Even swapping out lightbulbs can make a difference—opt for warm, 2700k bulbs to create an inviting glow.7

 

Have hard-to-reach windows or need help installing new lighting fixtures? We’re happy to refer a professional who can help.
 

 

Step #7: Show Off Your Work with Photography

 

These days, most buyers will first see your home online, making high-quality photos essential. According to the U.S.-based National Association of Realtors, 89% of agents agree that professional photos are critical to marketing a listing.1 

 

Depending on your home and market, you may also benefit from marketing your property with videos, virtual tours, and even virtual staging, where photo editors swap out furniture and colours to show how your home would look with different decor.

 

Talk to your agent about what makes sense for your situation, and work with them to hire professionals who can capture your staged home in its best light. When it comes time, treat the photo shoot like an open house—everything should be spotless, well-lit, and arranged to show off your home’s best features.

 

BOTTOMLINE

 

Whether or not staging is worth the investment depends on your home’s condition, your desired sale timeline, and your local market. Before committing to professional help or cosmetic upgrades, reach out for a free consultation. We can help you assess the best path forward and connect you with the best professionals to make it happen.

 

 

The above references an opinion and is for informational purposes only.  It is not intended to be financial, legal, or tax advice. Consult the appropriate professionals for advice regarding your individual needs.

 

 

References:

  1. National Association of Realtors -
    https://www.nar.realtor/sites/default/files/documents/2023-profile-of-home-staging-03-30-2023.pdf 
  2. Homelight -
    https://www.homelight.com/blog/how-to-clean-out-a-house-to-sell/ 
  1. National Association of Realtors -
    https://www.nar.realtor/blogs/styled-staged-sold/6-things-home-stagers-wish-real-estate-pros-knew-about-staging 
  2. Coldwell Banker -
    https://blog.coldwellbanker.com/home-staging-mistakes-to-avoid/  
  3. Zillow -
    https://www.zillow.com/learn/how-to-stage-house-to-sell/ 
  4. HGTV -
    https://www.hgtv.ca/common-renovating-costs-flooring/ 
  5. House Beautiful -
    https://www.housebeautiful.com/design-inspiration/real-estate/a61712558/how-to-make-your-house-sell-over-asking-according-to-professional-home-stagers/ 
  6. HGTV -
    https://www.hgtv.com/lifestyle/real-estate/15-secrets-of-home-staging-pictures 
  7. Spruce Magazine -
    https://www.sprucemagazine.ca/the-real-deal-on-curb-appeal/ 
  8. HGTV - 

https://www.hgtv.ca/landscaping-ideas-to-increase-property-value/ 

  1. National Association of Realtors -
    https://cdn.nar.realtor//sites/default/files/documents/2023-03-remodeling-impact-outdoor-features-03-17-2023.pdf 
  1. RE/MAX -

http://download.remax.ca/PR/REMAXHomeStagingGuide.pdf

  1. Martha Stewart - 

https://www.marthastewart.com/2126982/how-to-layer-your-lighting 

  1. Martha Stewart -
    https://www.marthastewart.com/outdated-lighting-trends-8421744 
...

Downsize Your Home, Rightsize Your Life:
How to Choose the Ideal Smaller Home

                                                      

When you've lived somewhere for many years, it can be tough to say goodbye. But if you (or a loved one) currently have a home that is bigger than necessary or is too high maintenance, it may be time to trade unused square footage for a smaller, more manageable space. 

 

Take it from the downsizers who’ve been there: Although living small might require some adjustments, it can also be liberating––especially if you're in a stage of life where past responsibilities have given way to new possibilities and adventures.  

 

In fact, many downsizers report feeling invigorated by the change, according to American journalist and real estate writer Sheri Koones. “It scares people to think of moving into a smaller space,” said Koones to the Associated Press. “But every single person I interviewed who has made the transition says they are so happy they did.”1

 

The key is to find somewhere you can live well and move around comfortably, without feeling overly restricted. If you like the idea of aging in place or are already in your golden years, you may also want to look for signs that a new home can conveniently age with you. 

 

With that in mind, we recommend focusing your search around three key factors: desired lifestyle, optimal design, and long-term accessibility. Read on for specific tips, then call us for a free consultation. We can help you identify the types of homes that are best suited to living large with less.

 

Do you have a loved one whose housing needs have changed? 

Share this information to help start a conversation about the benefits of downsizing.

 

 

DESIRED LIFESTYLE 

 

The best part of downsizing is the lifestyle you unlock when you trade square footage for convenience. With fewer chores and home maintenance tasks to worry about, you can instead channel your energy into other pursuits. 

 

For example, instead of spending your afternoons working in the yard or cleaning, you can catch up on the news, read a bestseller, start a new craft project, or pursue other hobbies. You may even be able to travel or spend more time with friends and family. 

 

Research has found that Canadians over the age of 65 tend to have higher life satisfaction when they have more time available for the things they “like doing.”2 But regularly engaging in favourite hobbies and activities can be hard to do when you've got a home that needs constant attention or you live far from your community.

 

As you compare potential homes, keep in mind the type of lifestyle you envision. Do you plan to travel? If so, a home with extra security, such as a condominium or gated community, may give you some welcome peace of mind. Or do you plan to have friends and family stay overnight? In that case, you may want to look for a floor plan with flex space or a property that has access to separate guest suites. 

 

Alternatively, a senior community that offers catered meals and housekeeping may be a better choice if you or a spouse need extra support. 

 

Action item: Grab a pen and take some time to envision what your ideal future might look like. Write down the activities and hobbies you hope to add to your life or continue with going forward, as well as the chores and responsibilities you'd love to drop. We can use those answers to help shape your house hunt.

 

 

OPTIMAL DESIGN

 

Even though your new home will be smaller, that doesn't mean it has to feel cramped. As Koones explains, “The key is to have a home that is efficiently designed, both in terms of energy use and in terms of space.”1 

 

Look for features that can help make a space feel bigger, like high ceilings, large windows, and an open layout. 

 

Built-in shelving that extends all the way to the ceiling can also make a small room feel more expansive by helping to draw the eye upward. The same goes for highly placed window treatments and striped or mural-style wallpaper.3  

 

Efficient layouts with flexible, multi-purpose rooms and few, if any, hallways work especially well for small-scale living. You can also limit dead space in a home by steering clear of layouts with awkward corners, unusable nooks, and other space-eating design elements. 

 

In addition, look for features that support a simpler, lower-maintenance lifestyle, such as easy-care floors, durable countertops, and bare walls with little, if any, crown moulding. 

 

Don’t write off a home too soon, though, if it feels narrow or congested because of outdated design or poor staging. Cosmetic issues that visually shrink a space are often easy to fix. 

 

For example, you can instantly make a room feel bigger just by painting it a lighter shade. Adding mirrors and swapping out heavy curtains for sheer ones can also be effective. Plus, utilizing multipurpose furniture with hidden storage is a great way to maximize space. 

 

Action item: Make a note of your must-keep furniture and other items. Then pull out a measuring tape and write down the dimensions. Once it's time to visit homes, we'll have a more accurate sense of what will fit and how much space you’ll need.

 

To get your creative juices flowing, you may also want to flip through some design magazines that specialize in compact living or catalogues that feature space-saving furniture and accessories. If you give us a list of your favourite features, we can use it to pinpoint homes that are a good match. 

 

 

LONG-TERM ACCESSIBILITY

 

Buying a home that you can age well in can be a great way to boost your health prospects and happiness. According to the National Institute on Ageing, research shows that homeowners who age in place instead of in an institutional environment not only save money over time, they also enjoy greater health and emotional benefits.4,5

 

Aging in place is also popular. A survey by Ipsos found that the vast majority of Canadians over the age of 45 would prefer to age in their own homes.6

 

But even though many adults want to age in place, few currently live in a home with the features to make it possible. According to research by Statistics Canada, only half of adults over the age of 55 say their current home is accessible to someone with a physical limitation.7  

 

If you're already in the second half of your life, then it's smart to prioritize accessibility now, even if you're highly mobile. 

 

Choosing an accessible home will improve your odds of staying put for longer. Plus, you never know when you might need an accessible light switch, handrails in the bathroom, or a seat in the shower, says Koones. “Yes, older people with disabilities need them, but even younger people break a leg skiing, or have situations where they want a barrier-free shower.”1  

 

As you consider your options, try to imagine what your needs might be as you get older and be proactive in identifying potential obstacles, recommends the Government of Canada.8 

 

For example, a single-level home or one with wide enough stairs for a stair lift or access to an elevator may be a more practical choice than a home with lots of narrow stairs. Alternatively, a home with at least one ground-level bedroom and bathroom may also work well for you. 

 

Consider your needs outside the home, as well: If you frequently visit the doctor, grocery store, or community centre, for example, then you may benefit from choosing a property nearby. 

 

Action item: Review the checklist below, adapted from the accessibility standards developed by the Canadian Standards Association (CSA) and Accessibility Standards Canada, or download the full booklet from the CSA Group's website.9 Highlight the items that are most important to you. We can reference these guidelines as we consider potential homes and suggest ways to adapt a property to meet your current or future requirements.

 

 

HOME ACCESSIBILITY CHECKLIST 9

  • If a walker or wheelchair is needed, can the entrances to the house be modified — perhaps by putting in a ramp to the front door?
  • Are there any tripping hazards at exterior entrances or inside the house?
  • Are outdoor areas level and textured to prevent falls in wet or icy weather?
  • Are the hallways and doorways wide enough to accommodate a wheelchair, cane or walker if needed?
  • Does the home have at least one ground-floor bedroom and bathroom?
  • Are there any staircases, and if so, could they accommodate a stair lift?
  • Is the house well-lit, inside and out, particularly at the top and bottom of stairs?
  • Does the home's interior make use of colour contrasting to help prevent falls? 
  • Do the stairs have uniformly-sized, gap-free risers and level treads?
  • Could handrails be installed on both sides of the staircase?
  • Is there at least one stairway handrail that extends beyond the first and last steps on each flight of stairs?
  • Does the washroom have at least 1,500 to 1,800 millimetres of turning space to accommodate an assistive mobility device?
  • Are there grab bars near toilets and in the tub or shower?
  • Have a shower stool and hand-held shower head been installed to make bathing easier?
  • Are operating controls, such as light switches, thermostats, door handles and locks, set no higher than 1,100 millimetres from the floor?

 

 

BOTTOMLINE

 

You don't have to compromise on comfort to downsize successfully. We can help you strategize your next move and identify the best new home for you—whether that's a smaller home for rent or another one to call your own. We take pride in offering a full-service real estate experience and assisting our clients through all stages of the real estate journey. And we’ll go the extra mile to maximize your current home's sales price so that you’re set up for financial security.

 

 

The above references an opinion and is for informational purposes only.  It is not intended to be financial, legal, or tax advice. Consult the appropriate professionals for advice regarding your individual needs.

 

Sources:

  1. Associated Press (AP) -
     
    https://apnews.com/article/lifestyle-f094372b46bae82020c174907eb953c0
  2. Statistics Canada -
     
    https://www150.statcan.gc.ca/n1/pub/75-006-x/2018001/article/54977-eng.htm 
  3. Washington Post -
     
    https://www.washingtonpost.com/home/2023/02/07/make-small-room-appear-larger/ 
  4. National Institute on Ageing -
     
    https://www.niageing.ca/airp 
  5. CTV -
     
    https://www.ctvnews.ca/business/what-do-senior-citizens-need-to-do-to-age-in-place-1.6141831 
  6. IPSOS - https://www.ipsos.com/en-ca/news-polls/Nearly-All-Canadians-45-Want-Age-Home-But-Only-1-in-10-Afford-Cost-PSW
  7. Statistics Canada -
     
    https://www150.statcan.gc.ca/n1/pub/75-006-x/2023001/article/00010-eng.htm 
  8. Government of Canada - https://www.canada.ca/en/employment-social-development/corporate/seniors/forum/aging-checklist.html 
  9. CSA Group -
     
    https://www.csagroup.org/wp-content/uploads/2430606.pdf 
...

6 Strategies to Save on Home Insurance Premiums

 

From extreme cold to wildfires and floods, the past few years have brought a historic number of devastating climate and weather events to Canada. In 2023 alone, unusually harsh weather and a string of natural disasters caused more than $3.1 billion in insured damages, according to the Insurance Bureau of Canada, making it the fourth most expensive weather year on record.

 

These events delivered a huge influx of home insurance claims, and analysts expect the increase in both catastrophes and claims to continue. Adding to the problem, construction labour and supply costs have risen, making it more expensive to repair affected homes. Consequently, homeowners' insurance rates have surged: In 2024, My Choice Financial reports that premiums are already up 7.66% since last year and are likely to climb further still.2,3   

 

In disaster-prone regions, the situation is even more challenging. According to Public Safety Canada, flooding is especially common now, accounting for roughly $2.9 billion a year in residential damages. Yet, a rising number of Canadian homes are located in areas so flood-prone that owners can't get affordable protection.4,2

 

For most homeowners, comprehensive home insurance coverage is crucial for financial security—but massive rate increases can turn a once-affordable home into a financial burden. They can also pose a serious challenge for sellers. Although homebuyers who are willing to risk inadequate coverage may be able to skip optional add-ons, such as flood protection, a standard home insurance policy is still required for most mortgages. In some hard-hit regions, we’re also seeing homes sit longer on the market or decline in value because climate risks are higher.5,6

 

But don’t panic! While these broader trends may be out of your control, there’s still plenty you can do to save. Here are our top six strategies to slash insurance premiums while maintaining the protection you need. 

 

 

  1. SHOP AROUND

 

Getting multiple quotes is a smart move for many major purchases, including home insurance. We recommend reviewing at least three estimates before you commit to a policy. You can get quotes either by reaching out to insurers directly or by working with an independent insurance broker.5 You’ll need to provide detailed information about the property you’re insuring and your claims history.

 

Make sure you read policies carefully before you choose. Sometimes, a policy can look like a better deal at first glance but turn out to have important coverage gaps. Be sure to consider how much the policy will pay out to repair or replace your home and review caps on personal possession and liability claims. It’s also smart to read reviews from policyholders (Trustpilot is a good place to start) and ratings published by organizations like the Better Business Bureau and J.D. Power. 

 

For help choosing the right policy, reach out to us for a list of trusted insurance professionals.

 

 

  1. INCREASE YOUR DEDUCTIBLE

 

The size of your deductible—which is the amount you pay before your insurance coverage kicks in on a claim—is a major factor in your insurance cost.

 

A low deductible, such as $500, comes with higher premiums, while a higher deductible, like $2,500 or even $5,000, costs less on a monthly basis. In some cases, you may be able to customize your insurance further by designating a different deductible for add-on coverage.

 

If you are confident that you have enough in savings to cover that initial outlay if needed, choosing a higher deductible can help you save significantly over the long term. According to Ratehub, raising your deductible from $500 to $5,000, for example, could save you an estimated 15% each year.7

 

 

  1. BUNDLE MULTIPLE TYPES OF INSURANCE

 

Insurers want to get as much of your business as possible, so most offer significant discounts if you bundle your home and auto insurance, meaning that you package the two policies together. With some insurers, you can get even higher savings by bundling more than home and auto—RV, boat, jewelry, and life insurance are potential options to consider. 

 

According to Ratehub, insurers typically offer customers who bundle home and auto insurance up to 25% or more in savings on monthly premiums. This approach also has other advantages: It cuts down on your paperwork, and in some cases—like if a storm damages both your home and car—you may be able to pay just one deductible instead of two when you file a claim.

 

However, before you sign on the dotted line, remember strategy #1 and be sure to shop around. In some cases, bundling isn’t the cheaper option, and bundling deals vary between companies. It’s also critical to carefully check that the bundled coverage offers everything you need.

 

 

  1. ASK ABOUT AVAILABLE DISCOUNTS

 

Did you know that being a non-smoker might qualify you for a home insurance discount?9 Some insurers offer some surprising incentives for policyholders who pose a statistically lower risk of filing a claim. In the case of non-smokers, that’s because of the decreased risk of a home fire.

 

Some carriers also offer discounts to first-time homebuyers, “mature” homeowners, or affiliated group members, such as college alumni or union workers. Sometimes, you can also save by upgrading your home's protective systems, paying off your mortgage, or paying your premiums for a full year upfront.

 

Since available discounts vary significantly between insurers, the best strategy is to simply ask a representative for the full list of available discounts so you can see what cost savings might be available to you. 

 

 

  1. AVOID MAKING SMALL CLAIMS

 

Worried that your premiums will rise significantly in the future? Try to avoid making a claim unless truly necessary. Many insurers offer discounted rates to policyholders who go a certain number of years without filing a claim, and filing multiple claims often results in big increases. If you file too many, you may even risk nonrenewal of your policy.10,11

 

Since the cost of even a small premium increase can add up significantly over time, if you have minor damage to your home—for example, if a few shingles blew off your roof in a windstorm—it may be a wiser long-term financial decision to pay out of pocket instead of filing a claim. 

 

If the cost of the repair is less than your deductible, it never makes sense to file, and if it’s just slightly above your deductible, it’s also usually best to pay for the repairs yourself. Additionally, always be sure to review your policy before you make a claim. Even claims that are denied can count against you, so it’s not worth filing if the damage is clearly excluded from coverage.11 

 

If you find yourself in this situation, feel free to reach out for a list of reasonably-priced professionals who can help with home repairs.

 

 

  1. BE STRATEGIC ABOUT HOME IMPROVEMENTS

 

Insurance premiums alone may not be the deciding factor for a home improvement project, but it’s important to know how renovations could impact your rates—for better or worse.

 

For example, some upgrades and repairs can reduce your premiums by making your home safer or less prone to certain types of damage. These include:10
 

  • Upgrading your electrical system
  • Updating your plumbing
  • Installing a monitored security system
  • Investing in a sewer backup valve and sump pump
  • Replacing the roof

 

On the other hand, some upgrades can raise premiums significantly, either because they increase the value of your home (and therefore the cost to replace it) or because they pose a hazard. These include:12

 

  • Installing a swimming pool or other water features
  • Building an extension or expanding your living space
  • Upgrading materials, like flooring or countertops
  • Adding a fireplace or wood stove
     
     

Whether or not your planned renovations are on either of these lists, it’s wise to inform your insurer about changes you make to your home—otherwise, you may risk gaps in coverage. And you’re always welcome to check with us before you begin any home improvement project to find out how it could impact the value and resale potential of your home.

 

 

BOTTOMLINE: Protect Your Investment Without Sacrificing Enjoyment of Your Home

 

Getting the coverage you need for financial security without overpaying can be a tricky balance, especially in today’s environment. But remember, while it’s important to find the best deal you can, home insurance isn’t an area to skimp on. 

 

For advice on your specific risks and the type of coverage you need, we recommend consulting with a knowledgeable insurance professional. We’re happy to connect you with a trusted adviser in our network. And if you’re considering a home renovation, feel free to reach out for a free consultation on how it might affect your property value (and your premiums). 

 

 

The above references an opinion and is for informational purposes only. It is not intended to be financial, legal, insurance, or tax advice. Consult the appropriate professionals for advice regarding your individual needs.

 

Sources:

  1. Insurance Bureau of Canada -
     
    https://www.ibc.ca/news-insights/news/severe-weather-in-2023-caused-over-3-1-billion-in-insured-damage 
  2. MoneySense - https://www.moneysense.ca/spend/insurance/home-insurance/how-climate-change-affects-home-insurance/ 
  3. My Choice Financial - https://www.newswire.ca/news-releases/home-insurance-rates-increase-7-66-in-canada-in-2024-876966380.html 
  4. Public Safety Canada -
     
    https://www.publicsafety.gc.ca/cnt/rsrcs/pblctns/2023-nrp-pnr/index-en.aspx 
  5. Nerdwallet Canada -
     
    https://www.nerdwallet.com/ca/mortgages/what-is-home-insurance 
  6. Waterloo Climate Institute - https://uwaterloo.ca/climate-institute/news/homes-sell-82-cent-less-after-catastrophic-floods 
  7. Ratehub.ca -
     
    https://www.ratehub.ca/blog/how-home-insurance-deductibles-work/ 
  8. Ratehub.ca -
     
    https://www.ratehub.ca/insurance/home-and-auto-bundle 
  9. LowestRates.ca - https://www.lowestrates.ca/resource-centre/home-insurance/12-home-insurance-discounts-can-help-you-save-money
  10. MoneySense -
     
    https://www.moneysense.ca/spend/insurance/how-to-get-lower-home-insurance/ 
  11. Rates.ca -
     
    https://rates.ca/guides/home-insurance/claims
  12. CREA -
     
    https://www.creacafe.ca/can-housing-upgrades-affect-insurance/ 

 

...

WHAT TO CONSIDER BEFORE BUYING A MULTIGENERATIONAL HOME

Before starting your house hunt, take the time to discuss your house plans as a family so that you’re all on the same page. Have you hashed out what you’re looking for in a new home? Can you agree on potential compromises? Are there any unaddressed concerns about the move?
 
 You may also find it helpful to articulate your “why” for buying a multigenerational home and how each of you might benefit. For some families, multigenerational living is all about caring for relatives and sharing responsibilities. But for others, the goal is to pool resources so that you can purchase a more desirable property or cut down on expenses, like childcare or senior living.
 
 For homeowner Jennifer Durocher, co-owning a home with her husband’s parents allowed them to live in a family-friendly neighbourhood that would have otherwise been out of reach. She and her husband had originally planned to buy their own home separately. “But it was difficult to come up with a substantial down payment,” said Durocher to Today’s Parent. Meanwhile, Dorucher’s in-laws were ready to downsize. By joining forces, both households saved money.
6 
 
 Homeowner Surjit Singh says he immigrated to Canada in 2018 and bought a home with his extended family in 2021, just before inflation caused prices to surge. Owning one home helped the family cope, said Singh to the CBC. “Living together, you can share everything.”
7 
 
 In addition to talking over your short-term wants and needs, you’ll also want to weigh long-term issues that could crop up in the future, like accessibility or money concerns. For example, if some family members are nearing retirement, accessibility issues (such as extra-steep stairs or a narrow hallway) could become a problem over time. Similarly, a more luxurious home with extra amenities like a pool may appeal to buyers who have gathered a lot of cash upfront, but it may also require a bigger long-term budget for maintenance and supplies.
 
 If you haven’t had these discussions yet, set a date in your calendar so that you can talk it over as a group. We can help by interviewing family members individually and advising you on what you can realistically find in today’s housing market.
 
 
 
WHAT TO LOOK FOR IN A MULTIGENERATIONAL HOME 
 
 Once you’ve settled on what you want and need from a new home, your next step should be to jointly draft a budget so that you’ll know what you can afford. To ensure that no one in your family gets accidentally overextended, think holistically when planning your new housing budget and determine what you would need to buy the home––and maintain it.
 
 In addition to budget, you’ll also want to consider a home’s size and what kind of layout you might need. In general, homes that offer ample space for solitude and privacy are thought to be more practical for multigenerational living––especially if there will also be young children.
6 
 
 However, the ideal layout for your family and the amount of square footage you’ll need to be happy long-term will also depend, in part, on family members’ personalities. Some people don’t mind sharing a bathroom or having bedrooms situated close to one another. But others may find that they need something more separate to relax. Different housing options to consider include: 

  • A large home with plenty of rooms and at least one or more ensuite bathrooms. 
  • A home with an accessory dwelling unit (ADU), such as a basement apartment. 
  • A multifamily unit, such as a duplex.  

Architect Allison Holden-Pope recommends units with separate entrances if possible. That way, each generation feels like they’re living in their own space. “Having a sense of identity in your own place is still very important,” said Holden-Pope to Today’s Parent.6 
 
 For buyers looking to age in place, a home that offers a separate ground-floor unit, such as a garden home, could be the most comfortable (and the most practical) option. But if that’s not possible, then you may at least want to prioritize a first-floor bedroom and bathroom. Some families may also want to consider the needs of future caregivers, said Holden-Pope.
6 
 
 Another possibility to consider would be a home you could add onto or retrofit into multiple units. Building a brand-new unit or renovating an existing space can be pricey. However, you may qualify for a Multigenerational Home Renovation Tax Credit to help offset your expenses.
8
 
 When visiting a property, we’ll help you weigh potential costs and estimate whether it’s a good investment. We can also connect you with a trusted contractor who specializes in renovations.

...

Tech the Halls: Smart Home Gadgets for a Stress-Free Holiday Season

The holidays are a time for joy, family, and celebration, but they also bring added responsibilities. Between decorating, hosting, and just keeping up with your daily routines, your home can quickly start to feel more like a neverending to-do list rather than your haven. 

 

That’s where smart home technology comes in. It can help you streamline holiday tasks to focus on what matters most—spending time with loved ones and enjoying the season's magic. 

 

And there are more upsides to upgrading your home tech: doing so can also enhance the overall value and appeal of your property. Current research suggests that buyers are more likely to make an offer — and a higher one at that —- on a home that already has smart home features installed.1

 

So whether you're thinking about selling in the near future or just want to enjoy your home to the fullest this season, adding smart gadgets is an investment that pays off. Read on for some of the best smart home solutions to simplify your holidays (and just maybe make your home more marketable down the road, too).

ENTERTAINING MADE EASY

Spending time with friends and family is the highlight of the holiday season — but entertaining can be a lot of work. These tools can help turn any gathering into a celebration to remember without all of the fuss. 

  1. Make cooking easier with digital recipe access

Holiday cooking often means late nights and multiple trips to the store. Instead of juggling old recipe cards, let smart-home displays keep you organized with easy menu planning and grocery lists.

High-end: Google Nest Hub Max
 Among its many capabilities, this smart display offers an easy-to-use recipe mode with step-by-step guidance from the Google Assistant. Imagine having a sous chef right on your countertop!

Mid-range: LG - 27" Smart Monitor
 Looking for a nice big screen to watch cooking shows or YouTube videos or to pull up your favorite recipe? This smart TV can be perched on your kitchen counter or mounted on the wall — and in addition to using its apps, you can cast content from your iPhone or Android directly to the screen. 

Budget pick: Amazon Echo Show 8
 With a Food Network integration and recipe assistance, this countertop model offers plenty of features in a less-expensive package perfect for the budget-conscious cook who still wants a little help in the kitchen.

  1. Set the mood with smart lighting

The right ambiance can elevate any gathering. Control colors, brightness, and temperatures remotely with these smart lighting options.

High-end: Philips Hue Play HDMI Sync Box
 Watching a holiday movie? Sync your smart lightbulbs to adapt their colors to what’s on the screen for the ultimate festive movie experience. 

Mid-range: Lutron Caseta Wireless Bridge
 Use this small internet-controlled device to set up automations for your smart bulbs, so you can dim all your lights at once with a swipe on your smartphone. No more running around to get the lighting just right!

Budget-friendly: Govee Lightbulbs
 Just getting started with smart bulbs? This affordable option allows you to control color and brightness using your Alexa or Google Home device, offering a simple and cost-effective way to add some holiday cheer to your lighting.

  1. Amplify your holiday spirit with smart speakers

From carols to party playlists, music sets the tone for the holidays. These smart speakers will get everyone in the mood to sing along.

High-end: Bose Smart Speaker 500
 This powerful speaker delivers room-filling sound — and Google Assistant and Alexa are both built-in. It’s perfect for audiophiles who want the best possible sound quality for their holiday music.

Mid-range: Amazon Echo Studio
 The best device for Amazon loyalists who care about sound, music comes through loud and clear on this speaker. Enjoy your favorite holiday playlists with impressive clarity and depth.

Budget-friendly: Google Nest Mini
 This diminutive speaker gives you voice-controlled playback at an entry-level price. A great option for adding voice control and holiday music to any room without breaking the bank.

TRADITIONS WITH A TWIST

Decorating your home and popping on a holiday film gets everyone in the holiday spirit — but the setup can get overwhelming. These tech solutions make things easier and give you more time to enjoy the fun. 

  1. Watch holiday favorites in style

Level up your holiday movie traditions with smart projectors that turn any room in your home—or even your backyard—into a movie theater. 

 

High-end: Epson Home Cinema LS1100
 This 4K projector is a serious investment, but it delivers cinema-quality performance and a laser light source that won't require replacement bulbs. It's also easy to set up and adjust. Perfect for serious cinephiles who want the ultimate home theater experience.

Mid-range: Samsung Freestyle 2nd Gen Smart Portable Projector
 Use this feature-packed battery-powered projector nearly anywhere — it's designed to automatically level and focus your video and to scale to the size of your space. It's equipped with all the streaming apps you need and is compatible with voice assistants. A great option for flexibility and portability.

Budget-friendly: Vankyo Performance V700W
 This 1080p projector offers a nice, bright picture, high-quality audio, and the portability to move it from room to room (plus outside). In addition to plugging in a computer or USB, you can cast directly from an iPhone or Android device. 

  1. Shine bright with smart plugs

Tired of clambering behind furniture to get to a hard-to-reach plug for your decorations? Invest in smart plugs, and you can control all of your electrified holiday decor (plus anything else you might plug in!) easily from your phone. 

High-end: Meross Smart Power Strip
 With 4 AC outlets plus two USB C and one USB A port, this smart power strip will allow you to keep the lights on while charging all of your guests’ phones! Each outlet can be operated individually, and the power strip is compatible with Apple HomeKit, Amazon Alexa, and Google Home. 

Mid-range: Enbrighten Wifi Smart 2-Outlet Plug
 This smart plug turns one wall outlet into two smart outlets, so you can plug your standard lamp and a string of holiday lights in together. Control the plug using an app or with Google or Alexa voice assistants. 

Budget-friendly: Kasa Smart Plug Ultra Mini
 These inexpensive plugs are designed to take up minimal wall space yet offer plenty of features. Plus, they’re compatible with Google and Amazon home ecosystems. 

  1. Create a winter wonderland with smart outdoor lighting

Whether you want to wow the neighborhood with an eye-catching display or simply add a touch of outdoor holiday charm, setting up lights doesn’t have to be a daunting task. Smart outdoor lighting makes it simple to illuminate your home’s exterior with minimal effort or planning.

High-end: Govee Permanent Outdoor Lights
 Tired of climbing around on the roof every year? Install these permanent outdoor lights on your home and celebrate year-round with app-controlled color and effects options for every holiday you can think of. 

Mid-range: Twinkly Icicle Lights
 Drape your home in any color you can think of with these easy-to-use, app-controlled icicle-style lights. True to the name, there are plenty of twinkling options to choose from!

Budget-friendly: Brizled Smart Christmas Lights
 String up these nearly 200-foot-long indoor-outdoor lights wherever you’d like to enjoy customizable colors and effects, or sync the bulbs with music for a truly eye-catching outdoor display. 

SIMPLIFIED HOME MANAGEMENT

There’s plenty to manage at the holidays as it is—make things easier for yourself by automating some basic home tasks and functions. Less time spent on tedious chores means more time making memories with your family. 

  1. Keep your home spotless with robot vacuums

The holidays can create a lot of mess — stay on top of it with smart vacuums that clean up all of those cookie crumbs and bits of wrapping paper for you. 

High-end: Roomba Combo J9 Plus
Say goodbye to vacuuming and mopping with this high-tech robot, which comes complete with AI obstacle avoidance to keep it from banging into your furniture. 

Mid-range: Roborock Q5 Max+
 This powerful robot vacuum is highly customizable — use the app to set up cleaning preferences like a second pass through high-traffic rooms or to block off areas you’d like left alone. Plus, it empties its own bin!

Budget-friendly: Shark Ion
 This robot vacuum may not come with all the bells and whistles, but it does a great job keeping dirt and pet hair off the floor. You can control it with Amazon Alexa or the Google Assistant in addition to a dedicated app. 

  1. Manage deliveries and greet guests with smart doorbells

The holidays tend to bring a lot more people than usual to your door. Keep track of who’s coming and going, and keep your home safe with smart video doorbells.

High-end: Eufy Dual+ Security Video Doorbell
 This large video doorbell offers a much wider field of view than most competitors, plus high resolution and night vision. It’s compatible with both Amazon Alexa and Google Home devices and can be set up wired or wireless. 

Mid-range: Google Nest Doorbell Camera
 This sleek doorbell camera is easy to set up and control from a distance and offers fast notifications and the ability to respond by voice or with preset messages. Advanced features include package detection and facial recognition. 

Budget-friendly: Arlo Video Doorbell
 This doorbell offers a wide field of view, high-resolution images, and the ability to zoom in, and is compatible with multiple smart-device ecosystems. However, some of its features, like recordings, require a monthly subscription. 

  1. Protect your home while you travel

Unfortunately, the holidays tend to bring higher rates of home break-ins. Whether you’re traveling or staying local, these tech solutions can help keep your home and family safe.

High-end: Ring Alarm Pro
 Ring is well-known for video doorbells, but they also offer full home security systems, complete with professional monitoring (for a monthly fee). With high-performing devices and a built-in router to ensure working wifi, this system lets you keep an eye on things no matter where you are. 

Mid-range: eufy Security 5-Piece Home Alarm Kit
 This easy-to-install kit doesn’t require a monthly subscription, keeping costs low.  It includes a hub device, digital keypad, motion sensor, and two entry sensors, all of which you can keep an eye on using the system’s app. 

Budget-friendly: August Smart Lock
 Lots of visitors coming and going this holiday season? This smart lock upgrades your existing deadbolt, allowing you to give access to trusted family and friends. Best of all, it attaches to the lock on the inside of your door, so it won’t impact your curb appeal or draw unwanted attention. 

 

ENJOY A MORE RELAXING AND FESTIVE HOLIDAY SEASON WITH SMART HOME TECH

Incorporating smart home technology can help make this holiday season more relaxing—and it can also be a great investment that adds value to your property in the long run. From energy-efficient lighting to reassuring security systems, these gadgets do more than just make life easier; they enhance your home’s appeal to future buyers.

 

If you're curious about how upgrading your home’s tech might impact its value, we’d love to help. Reach out for a free consultation to learn more about the latest trends in smart home technology and how it can align with your real estate goals. Whether you’re looking to sell soon or simply upgrade your lifestyle, we're here to guide you every step of the way.

 

Sources

  1. Zolo - 

https://www.zolo.ca/blog/smart-homes-save-money 

...

7 Weekend Projects to Boost Your Property Value
 

Whether you’re putting your home on the market in a few weeks or a few years, strategic upgrades can make all the difference. But you don't have to embark on a major remodel to make a significant improvement.

 

Even minor updates can have a big impact on your home’s aesthetic, and certain renovations can even boost its future sale price.

 

From curb appeal to interior updates, here are seven weekend projects that will enhance your home’s current charm and long-term value.

 

 

  1. Freshen Your Front Door

 

Is your front door looking a little tired? A new coat of paint can make your home more inviting to today’s guests and tomorrow’s buyers.

 

But before you grab that paintbrush, think carefully about your choice of hue. According to a recent study, the colour of your front door can boost—or lower—your home's sale price by thousands of dollars.1

 

Cement gray, for instance, was found to decrease purchase offers by an average of $3,365. Going too bold can also deter home shoppers. The safest bets? Classic black or a mid-tone brown are proven winners.1

 

Need help choosing the perfect paint or stain for your front door? We'd be happy to offer advice or refer you to a design professional for assistance.

 

 

  1. Upgrade Your Hardware and Lighting

 

It's easy to overlook dated cabinet pulls or dingy light switches in your own home. But those seemingly minor details can leave a bad impression on visitors.

 

Swapping out old hardware for modern alternatives can easily and affordably elevate your space. New cabinet handles, for example, are relatively inexpensive and require just a few minutes and a screwdriver to install. To maximize the longevity of your update, consider classic shapes and finishes like brass knobs or nickel cup pulls.2

 

Take a look at your light fixtures, too. Try replacing an out-of-style chandelier with a more contemporary option. Even just updating your lampshades and lightbulbs can create a brighter, more welcoming space.  Additionally, many experts agree that high-quality lighting can show off your property’s best features when it comes time to sell.3

 

Uncomfortable changing a light fixture yourself? Contact us for a referral to a licensed electrician for help.

 

 

  1. Update Your Bathroom Fixtures

 

Bathrooms can show their age quickly, but a few inexpensive updates can take years off in just a few hours. And since many buyers will be more drawn to a home that feels clean and modern, even small changes can make a big difference. 

 

According to one U.S.-based study, for every dollar you spend on minor cosmetic upgrades—like swapping out the bathroom mirror, upgrading hardware, or refinishing cabinets—you’ll see a $1.71 increase in your home’s value.4 

 

Bathroom hardware is a great place to start. Consider updating your faucets and showerheads (we recommend lower-flow options to save money and the environment), and don't forget about towel racks, toilet paper holders, and any other fixtures that look worn or discoloured.5  

 

According to hardware manufacturer Delta, black finishes are currently trending. Spa-like upgrades, like steam showers and luxury hand showers, are also in high demand.6

 

If your existing vanity is in poor condition, installing a new one is a slightly bigger project, but it has a huge impact on the look and feel of the room. Reach out for a list of retailers who carry high-quality but affordable prefabricated options.

 

 

  1. Give Your Kitchen Cabinets a Makeover

 

A recent study found that a kitchen renovation can boost a home’s sale price by up to 20%, making it one of the most valuable home improvement projects.7 So, it's no surprise that an updated kitchen is a top priority for Canadian homeowners and potential buyers alike.8 

 

If your kitchen cabinets are from another era, that’s probably the first place you’ll want to start. Fortunately, you don’t need to commit to the hassle and expense of installing new cabinets if your current ones are in good shape. Instead, consider painting them. 

 

Not only is it more affordable and eco-friendly than replacement, but Better Homes and Gardens reports that this option typically offers a greater return on investment.When it comes to choosing the right colour, warm neutrals and shades of green and blue are especially on-trend.10

 

Thinking about painting your cabinets yourself? Be sure to plan in advance and block out at least a couple of days for the project. You’ll need to take off all your cabinet doors and hardware and thoroughly cover your kitchen appliances and counters. You’ll also need to wait for the doors to dry before reassembling your kitchen.11 

 

If you’re not confident in your painting skills, hiring a professional will still be far less expensive than installing new cabinets. We’re happy to refer you to capable painters in our network.


 

  1. Look at Your Landscaping

 

First impressions matter, and putting some work into your home’s exterior can make a big difference in how your guests and neighbours view it. Curb appeal can also make or break a potential buyer’s perception of your home—and significantly impact their offer. 

 

According to a study by the Journal of Real Estate Finance, curb appeal can account for 7% of a home’s sale price.12 And in some areas of Canada, it’s among the top three renovations offering the highest return on investment.13

 

One of the best ways to improve curb appeal is through landscaping—and it doesn’t have to be elaborate. First and foremost, focus on keeping things neat, tidy, and welcoming. Mow your lawn, refresh any mulch, prune overgrown shrubs, and add pops of colour with flowers. To take things up a notch, add outdoor lighting and plant perennial flowers along the sides of your walkway. 

 

When you’re ready to get started, reach out for a list of our favourite local garden centres where you can find all the necessary supplies.

 

 

  1. Refinish Your Wood Floors

 

For many buyers, wood floors are a huge selling point. Unfortunately, they also tend to get scuffed and worn over time, especially if you have kids or pets. 

 

The good news? If your wood floors could use a touch-up, it’s well worth the time and cost. According to one U.S.-based study, it’s the project that pays off the most in terms of resale value, with an average 147% return on investment.14

 

If you have a few days to devote to your floors, you can rent the necessary equipment from a local hardware store. While you’re there, pick up some basic supplies, like a putty knife, paintbrushes, sandpaper, and stain.15 And if you want to modernize your space, opt for a lighter wood tone, which is the current trend.16

 

Of course, we’re also happy to provide the names of trusted professionals who can tackle the work for you.

 

 

  1. Clean or Replace Your Grout

 

Let’s face it: Whether it’s on a kitchen floor or a bathroom wall, grout gets grimy over time, even with regular cleaning. Fortunately, refreshing your grout is a relatively simple and affordable project that can yield impressive results.

 

According to Apartment Therapy, grout that’s in poor condition is often one of the first things a potential buyer notices when they tour a bathroom.17 Fresh, clean grout, on the other hand, makes your bathroom sparkle—and that can pay off in a big way in terms of buyer’s perceptions. 

 

If your grout is simply stained, a focused cleaning session can make a big difference. Try a specialized product or a simple mix of baking soda, water, and hydrogen peroxide.17 If the grout is cracked, crumbling, or stained beyond repair, it’s time to replace it. Luckily, the right tools make that a very doable DIY project, even if it can get messy—and it’s a lot easier and less expensive than retiling.18

 

No time to tackle it yourself? Reach out for a recommendation of a pro who can help.

 

 

CHOOSING THE PROJECT THAT’S RIGHT FOR YOU

 

Embarking on home improvements can be exciting, but it's essential to choose projects that align with your goals, budget, and skill level. Whether you're preparing to sell your home or simply want to enhance its value, there are projects to suit every homeowner. 

 

If you're unsure where to start, don't hesitate to reach out for personalized advice and recommendations. With the right approach, you can unlock your home's full potential and enjoy the rewards for years to come.

 

 

The above references an opinion and is for informational purposes only. It is not intended to be financial, legal, or tax advice. Consult the appropriate professionals for advice regarding your individual needs.

 

Sources:

  1. Zillow -
     
    https://www.zillow.com/learn/what-color-paint-front-door/ 
  2. Martha Stewart -
     
    https://www.marthastewart.com/kitchen-hardware-trends-8563764
  3. Realtor.ca -
     
    https://www.realtor.ca/blog/lighting-tips-to-help-sell-your-home/5375/1363
  4. Zillow -
     
    https://www.zillow.com/learn/roi-for-bathroom-remodel/
  5. Forbes -
     
    https://www.forbes.com/home-improvement/bathroom/easy-quick-bathroom-updates/ 
  6. Delta Canada -
     
    https://www.deltafaucet.ca/design-innovation/inspiredliving/6-bathroom-trends-for-2024#
  7. Royal LePage -
     
    https://royallepageleadingedge.ca/just-released-royal-lepages-home-renovation-roi-report/
  8. Zolo -
     
    https://www.zolo.ca/blog/what-home-buyers-want
  9. Better Homes and Gardens -
     
    https://www.bhg.com/kitchen/remodeling/planning/kitchen-upgrades-cost-value/ 
  10. House Beautiful -
     
    https://www.housebeautiful.com/room-decorating/colors/g46105350/kitchen-paint-color-trends-2024/
  11. HGTV -
     
    https://www.hgtv.com/design/rooms/kitchens/best-way-to-paint-kitchen-cabinets 
  12. Spruce Magazine -
     
    https://www.sprucemagazine.ca/the-real-deal-on-curb-appeal/
  13. HGTV Canada -
     
    https://www.hgtv.ca/home-renovations-highest-return-on-investment-2021/
  14. National Association of Realtors -
     
    https://www.nar.realtor/magazine/real-estate-news/stub-for-148394
  15. Architectural Digest -
     
    https://www.architecturaldigest.com/story/refinishing-hardwood-floors 
  16. Houzz -
     
    https://www.houzz.com/magazine/5-new-trends-in-flooring-for-2024-stsetivw-vs~173560747
  17. Apartment Therapy -
     
    https://www.apartmenttherapy.com/outdated-bathroom-features-37131219 
  18. Better Homes and Gardens -
     
    https://www.bhg.com/how-to-regrout-tile-7554710 
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