How to Make Natural Deodorant at Home

The season of strong sun rays, tanning and sweating is almost approaching. The summer heat brings with it many skin care woes. Out of many of the skin problems we face in this season, sweating and body odour is one of the biggest concerns. Of course, having a nutritious diet and drinking lots of fluids can help reduce or completely eliminate body odour but most of us also end up relying on deodorants and fragrances bought from the store to deal with it.

These antiperspirants may do more harm than good. The store-bought deodorants may contain aluminum which has been linked to deadly diseases like breast cancer and Alzheimer’s. They may also contain propylene glycol which a petroleum based substance. It is known to cause damage to the central nervous system, heart and liver. Some fragrances may also have Parabens and Phthalates that are synthetic preservatives and they have negative effects on the hormonal system.

It’s good to sweat. It is the medium to get your body to detoxify naturally. Using deodorants clogs the pores of the skin which does not allow the toxins to get eliminated. Despite that, your body still tries to detox to remove toxins through excessive sweating which often leaves embarrassing sweat patches on our clothes. So, in order to keep your skin healthy and happy, we suggest you make your own deodorant at home. It’s really easy to make one with every day beauty ingredients. Have a look:

What you need:

1/3 cup of coconut oil
2 Tbsp baking Soda
1/3 cup of arrow root powder
10-15 drops of essential oil (lavender or orange-scented)


Method: Take a small mixing bowl and add coconut oil, baking soda and arrow root powder. If your skin is super sensitive, you can use less of the baking soda in the mixture. Blend everything together to make s creamy mix. Now, add the essential oil. And voila, you very own natural deodorant is ready!

How to use: Gently, take the paste with 3 fingers and rub over the armpit. Let it dry for 2 minutes and enjoy the natural fragrance. The coconut oil also helps in moisturising your skin and keeping it soft unlike the harsh spray deodorants that may take away all the moisture from your skin.

New Robotic System Can 3D Print Entire Buildings


MIT scientists have designed a new robotic system that can 3D print the basic structure of an entire building, an advance that would make building houses a faster, less expensive process.

The building could also be completely customised to the needs of a particular site and the desires of its maker.

Even the internal structure could be modified in new ways, researchers said.

Different materials could be incorporated as the process goes along, and material density could be varied for optimum combinations of strength, insulation, or other properties.

“Ultimately, this approach could enable the design and construction of new kinds of buildings that would not be feasible with traditional building methods, said Steven Keating, from Massachusetts Institute of Technology (MIT) in the US.

The system consists of a tracked vehicle that carries a large, industrial robotic arm, which has a smaller, precision-motion robotic arm at its end.

This highly controllable arm can then be used to direct any construction nozzle, such as those used for pouring concrete or spraying insulation material, as well as additional digital fabrication end effectors, such as a milling head.

Unlike typical 3D printing systems, most of which use some kind of an enclosed, fixed structure to support their nozzles and are limited to building objects that can fit within their overall enclosure, this free-moving system can construct an object of any size.

The researchers used a prototype to build the basic structure of the walls of a 50-foot-diameter, 12-foot-high dome – a project that was completed in less than 14 hours of “printing” time.New Robotic System Can 3D Print Entire Buildings

For these initial tests, the system fabricated the foam- insulation framework used to form a finished concrete structure.

This construction method, in which polyurethane foam molds are filled with concrete, is similar to traditional commercial insulated-concrete formwork techniques.

The system can be adapted to existing building sites and equipment, and that it will fit existing building codes without requiring whole new evaluations, Keating explains.

Ultimately, the system is intended to be self-sufficient, researchers said.

It is equipped with a scoop that could be used to both prepare the building surface and acquire local materials, such as dirt for a rammed-earth building, for the construction itself. The whole system could be operated electrically, even powered by solar panels.

The idea is that such systems could be deployed to remote regions, for example in the developing world, or to areas for disaster relief after a major storm or earthquake, to provide durable shelter rapidly.

The ultimate vision is “in the future, to have something totally autonomous, that you could send to the moon or Mars or Antarctica, and it would just go out and make these buildings for years,” said Keating.

The research as published in the journal Science Robotics.


‘The Kardashian lifestyle is why you can’t buy a house’: millionaire developer


Tim Gurner’s social media account is very Kardashian-esque. Photos: Instagram
Mr Gurner’s concerns about Australians never owning homes is echoed by much of the nation. A recent ANU survey found that nearly 90 per cent of Australians were concerned future generations would be unable to buy a house.

Multi-millionaire luxury apartment developer Tim Gurner, 35, is copping flak for telling millennials their lavish lifestyles and poor work ethics are preventing them from entering the property market.

In a 60 Minutes interview on Sunday night, Mr Gurner accused prospective buyers of “dangerous” levels of spending and of setting themselves unrealistic expectations after “watching the Kardashians”.

“When you’re spending $40 a day on smashed avocado and coffees and not working, of course [you won’t own a house in your lifetime],” he told interviewer Ross Greenwood.tim gurner instagram

“When I had my first business when I was 19, I was in the gym at 6am in the morning and I finished at 10:30 at night and I did it seven days a week … until I could afford my first home. There was no discussion around: could I go out for breakfast or could I go out for dinner or whatever it was. I just worked.”

Viewers were quick to point out that Mr Gurner (rumoured to have a $460 million fortune) bought his first business in 2001 at the age of 19 with the help of a $34,000 loan from his grandfather. He ran the gym for a year before selling it to a competitor and starting his career as a property developer.

Mr Gurner blamed the media for giving young Australians unrealistic expectations of what they can achieve financially.

“I just think that the media and the current environment and lifestyle changes has definitely changed the next generation … I think it’s dangerous for the economy and I think it’s definitely dangerous for their ambitions of owning property,” he said.

“I think the problem with this generation is they want the three-bedroom home in Malvern and Malvern East and Prahran [in Melbourne] and Alexandria in Sydney, and it’s just not sustainable or realistic.”

Galling his audience further, Mr Gurner then said it gave him “a little bit of comfort” baby boomers would soon pass down their property-fuelled wealth to their children.

“The realistic fact is, there is this incredible amount of wealth that is being created and it is sitting with the baby boomers. That will be passed down. There is going to be a transition of wealth in the next 20 to 30 years which will see a lot of these people be able to buy their own home.”

He did not clarify what Australians with no inheritance could do to get into the market, although earlier in the interview he said first home buyers might have to: buy an investment property first; live with their parents while they saved; or buy with a friend.

Despite his criticism of the Kardashians and the media, Mr Gurner’s company Instagram account is full of shots of scantily-clad models, Aston Martins, charter helicopters and expensive champagne.

tim gurner

A survey by property data firm CoreLogic found 87 per cent of non-home owners were concerned about affordability; and 30 per cent were looking to inheritance or the ‘bank of mum and dad’ for help.

And he’s right that young Australians are falling behind. The share of housing loans going to investors has grown from less than a fifth in the 1990s to almost 50 per cent (if you disregard refinancing), according to ABS data published Monday.

Where he seems to diverge from the data is in focussing on the lifestyle habits of young Australians, rather than price rises.

In CoreLogic’s estimation, houses cost 7.2 times the yearly income of an Australian household, up from 4.2 times income 15 years ago.


B.C. home listings fall to 20-year low, real estate association says


The latest numbers from the B.C. Real Estate Association show residential property sales across the province are climbing while the number of homes on the market drops to a 20-year low.

The association says the combination means affordability, especially in Metro Vancouver-area markets, will remain challenging because the lack of supply will keep prices high.

Just under 10,000 homes in B.C. were sold in April, down almost a quarter when compared with record-setting transactions over the same month last year, but still far ahead of the five-year seasonally adjusted rate.Royal LePage says early evidence suggests that the recent correction in Vancouver's housing market may be short-lived.

The association says the average home price was almost $729,000 last month, a two per cent dip from the same period last year, but higher sales suggest the market is rebounding from the modest correction that began after B.C. applied a 15 per cent tax on foreign buyers last year.

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Lifestyle: The Hostel Story | Why travellers are opting for hostels over luxurious hotels!

(left) Heart of Travellers is the first hiking hostel in India; (right) Hostels give you a chance to interact with fellow travellers

From opting for the tried-and-tested destinations to exploring far-flung and offbeat places, the Indian traveller has come a long way. And that’s also reflecting in the way we stay these days. While luxury hotels will never go out of business, the increasing demand for hostels among the backpacker community has led to a number of individuals setting up these accommodation options for those who want to see new places, and are also open to interacting with fellow travellers. Zostel, in a way, kicked off this trend that is gathering momentum now.

Not just a tourist

Most travellers these days aren’t satisfied with just going to a place, clicking a few pictures, and sampling the local cuisine anymore. They want a more wholesome experience, which includes exploring places that others haven’t been to, and interacting people from various walks of life. Uday Jhamb, CEO & Founder, Roadhouse Hostels says,

“Millennials are travelling and we are giving them a cooler option where they are doing more than just sitting in their rooms and watching TV. Here, they can chill with people from all around the world and experience the surroundings in a different manner. People expect more of an experience than luxury. I know people who can afford a more luxurious place but prefer to stay in my hostel because of the experience.” Uday’s Roadhouse Hostels, has expanded to five hostels, including those in Jaipur, Varanasi, Anjuna, Arambol and Palolem.hostel

An offbeat experience

Many hostels are doing their bit to stand out. Heart Of Travellers (HOTs) hostel in Patwa Dunga region in Uttarakhand is India’s first-ever hiking hostel. Travellers can stay here for a price as low as Rs 399 a night. Harshit Kandpal, Founder, HOT Hostels and Homestays Pvt Ltd, who has worked with the Oberoi Group, is the brain behind the project. He says, “We’re the first hiking hostel. One has to hike down for one kilometer to reach our hostel. People were skeptical about the feasibility of my idea. We opened on March 25, and in the first month, we had a booking of 120 people. Word-of-mouth and social media coverage got us noticed further. Currently, we are booked for the next three months.” Another major attraction of Harshit’s enterprise is that people get to stay in a British-era home. He says, “This is a 160-year-old building. We have just refurbished it a bit, but we have let most things stay the way they were, like the chimney that’s as old. Apart from the bunk beds, we also have a section that is a beautiful suite for people who want to stay with us, but want more privacy.”

Budget baatein

Besides the fact that they offer a great experience, it’s also easy on the pocket. A hostel stay can cost you about Rs 350 to 400, which works well for those who want to take on a longer trip. Uday says, “Aligned to our brand lineage of a bohemian living, our hostels offer four key aspects that support in creating memorable experiences for backpackers, namely — location, pricing, quality of rooms, and the atmosphere of community living.”

Improving and Improvising

Uday feels that while hostels is a booming sector, there has to be a firm grip on the quality of services offered. “It has to be regulated or the time won’t be too far when people will start calling hostels dharamshalas. If you look at it, it’s the same culture. We have to ensure that the standards are maintained. Security and comfort have to be taken care of. We are very strict about these things. And we are giving all of this at the price of Rs 350,” he says. Harshit adds, “We ensure that people get the best of services. At Rs 399, we give them service worth Rs 5,000. Sometimes people are not from the hospitality business and that shows in the way they function. I have worked with Oberoi Hotels, and my team members are hoteliers, that really helps.”

In sync with local businesses

What is likely to work in the favour of hostels is that they can provide a boost to the local economy. Both, Uday and Harshit, say for a successful hostel venture, the local businesses have to benefit, too. “We use local produce, our staff is local. When we had set up our hostel, we had a meeting with youngsters, and we told them that they could take our guests out for hikes. We have trained them for it,” says Harshit. Uday adds, “I will not do a business where the locals don’t benefit, because then you can’t survive. At our hostel in Goa, we could have easily purchased a few bikes and rented them out, but I have another person to do it. Similarly, for services like laundry, we reach out to the local guys. We don’t pay or take commission for such things.”

It’s been a good start The backpacker community in India seems to have wholeheartedly accepted the hostel culture. “When we started out, I never thought that so many Indians would be staying with us. Today, there are more than 50 hostels in India. We are now planning to convert homestays into hostels. These will be at places that don’t have a huge influx of tourists already. So that people can explore newer destinations.” According to Uday, the major focus of hostels currently is in Goa and Rajasthan. “In Goa two years ago, there were about three hostels, today there are 20,” he points out.

Keep it small

Uday feels that it would be wiser to not compete with hostels in European countries. He says, “As compared to hostels in India, European hostels have 700 or 1,000 beds. Most hostels here are are 60-100 bedders, which is easier to set up. Often September to March is considered to be the peak season, but right now my hostel at Anjuna is full. That’s the benefit of having a 30-50 bedder.”

Future fabulous

The travel sector is very upbeat about this trend and is hopeful to see it grow further. Uday says, “Research has shown that backpacking sector is highly resilient in India and it is set to grow even faster as more traditional travellers are attracted towards the backpacker style of travel. In India, in the next two to three years, the growth could easily be 300 per cent.”


Qualities of the Best Commercial Blender Companies

Buying a commercial blender is a significant purchase. This is why it should not be taken lightly. You need to give very careful consideration to several different factors before you decide on the company you will buy your commercial blender from. Not all commercial blender manufacturers are the same. In fact, the craftsmanship that is used to design their blenders has a tendency to vary quite dramatically. This is why you need to learn what separates the great blender companies from all of the rest. Here are the key qualities that you need to be on the lookout for as you are doing your commercial blender shopping.

Image result for Qualities of the Best Commercial Blender Companies
1. The blender manufacturer should have been around for a long time.

Ideally, you should buy a commercial blender from a company that has been making these machines for no less than 10 years. The fact that the company has been around for such a long time should immediately tell you that they are continually producing high quality blenders that are dependable. Companies only last for a decade if they have many satisfied customers who continue to buy products from them over a long period of time. Establishing this type of customer loyalty is not an easy thing to do. You can be assured that your industrial blender will last for many years if you buy it from a company with a long history.

2. The best commercial blender manufacturers will include a lifetime warranty with all of their products.

It goes without saying that you should never buy a commercial blender that is not covered by a warranty. These machines can have mechanical problems for a wide variety of reasons. You need to be sure that you will not be the one paying for the repair if your blender breaks down. This is why you need a warranty on your blender. Unfortunately, many warranties have an expiration date. Try to find a commercial blender manufacturer that will offer a warranty for the entire life of the blender.

3. Try to find a company that will install the blender for you.

The installation of a commercial blender is often a big project. It would be much easier for you if the company you buy the blender from would also handle the installation. This would save you the trouble of looking for a different company to do it for you.

5 Storage Options for Your Bedroom

The bedroom is your sanctuary from the mad rush of the outside world. It has to be a place where you can relax and get a good night’s sleep without anything disrupting the experience. Thus, it is important to keep it clutter-free and the only way you can do this is to maximize the storage options in your bedroom—small or big. Here are five solutions to your problem.


Sweep it Under the Bed

The space under the bed is perhaps the most underutilized in the room. Use storage baskets or boxes for winter clothes or other less frequently used items and push them under the bed. Another option is to buy a bed with storage where you can store clothes or bed linen away from view.This allows you easy access if you feel an extra chill one night and need to warm up a bit.

Top of the Cupboards

If the wardrobe designs in your bedroom provide space between the top of the cupboard and the ceiling, you can hoist up those storage boxes. Use flat and wide boxes that can easily be stacked to maximize the storage. It is here that you can easily store those bulky suitcases or travel bags – away and neatly stored until your next vacation.

Over the Headboard

The space above the headboard is a good place to provide some storage. You can have closed storage so that it seems like an extension of the headboard and use it to keep your books or odds and ends. If you want space to display your knick knacks or souvenirs, then you can opt for an open display unit or one with glass enclosing it. Ensure that you get a good carpenter to do this so you don’t end up with an awkwardly angled piece that you can bump your head on. With this storage option – you can do away with the need for side tables.

Backs of Doors

The back of the bathroom door, closet door, or even the bedroom door itself can be a great spot to put up some hooks or rails. Use this to store accessories that you use often like belts, scarves, and costume jewelry. There are some well-designed, decorative hooks in the market that allow you to add some flair to this storage.

Up the Wall

Using wall-mounted storage like small cubicles and book shelves can clear up floor space and give your bedroom a neat appearance. Get these shelves to fit in corners to prevent any sides from jutting out inconveniently.

Ensure that the storage options you choose blend in with your bedroom décor in terms of theme, color, and style. It is also important not to over-clutter your bedroom. Remember, the point of adding clever furniture for storage is so that you have a spacious bedroom area. There are numerous options for each space. Explore any wardrobe online with MyGubbi from a wide range of options.

Properties in Kolkata are very Lucrative than Other Cities in India?

Kolkata Property change from one an extra inside of shapes, measurements together with arrangements and give agreeable 1 BHK, spacey various BHK, hand crafted Three BHK, top of the line 4 BHK notwithstanding sizable 5 BHK houses for little to immense individual from the crew. The properties in kolkataaccessible there is also township Property in Kolkata when securing people must affirm presumably the property lies in a bother free spot, offered at reasonable worth along these lines are managed out through guaranteed real domain merchants. There are bundles of financial specialists that are venturing out pretty nearly the city to find a high-class Property in Kolkata to have an improved attempt.

On the additional give the house purchasers are similarly taking a gander at every niche and additionally form of the city where they would locate a far superior living arrangement of perk up furthermore comfort. By the by one point- the swelling of property in kolkatareal estate is a guarantee to both of these gatherings. These days globe has really been witness a higher contrasted with just before assortment of overall trips of the HNIs generally for the calling component. Subsequently they all support to have an existence close by more noteworthy than several worldwide airplane terminal terminals. So abusing this consenting variable, Kolkata Real Estate has grown-up quick furthermore rapidly. When you get a high-review convenience Property in Kolkata, you could normally take a trek all through the world and you will surely have easier access to the different urban areas of India moreover.

In the first place kolkata supplies data identifying with prelaunch homes, ceaseless property in kolkata, ready to possession private properties and that’s only the tip of the iceberg. Different viewpoints are liable for the snappy development of genuine industry Kolkata. Roadway wellbeing conditions and in addition other infrastructural advancements have really gained region in a quick rate amid the last number of years in Kolkata. Details of roadways furthermore openness of individual notwithstanding open movement in multitudes have really encouraged individuals to search for a living arrangement in Kolkata and additionally bordering zones.

Sign to certifiable domain specialists, guys and females think in regards to elements like parts, the extravagances together with the designer just before picking any sort of property inside the area. In the first place Purchase of Kolkata homes people reverberation components like web website, the administrations and the producer just before gaining a home in the area. Initially property in kolkatawould without a doubt fluctuate particularly based upon spot and also business foundation. Brokers start purchasing private properties furthermore begin publicizing and advertising each one of them at better rates inside essentially weeks to deliver rapid incomes. The certain get private property raises as a result of this source.

These elements cost to go up to stratospheric amounts. As per this, regardless of the gigantic marks from the land business sector picking out brand name new occupations with spending plan cordial rates, prerequisite for these sorts of pads ceaselessly be slow among clients as a consequence of range downside. One more avocation to the higher ascent in expenses is the accepting rise in the genuine home industry that commenced while value clusters started rising. The lofts from the city have gained effective handiness for both settlements beside exchange. The advancement of the application business on your voyages Salt River alongside Rajarhat has produced intense trend relating to labourers all completed the state.

How to Successfully Live Under a Homeowners Association

Row of Houses

If you buy a condominium, townhouse or single-family home in a newer development, you’re likely to become a member of a community association.

About 20 percent of Americans live in a community governed by a condo association, homeowners association or co-op board, according to the Community Associations Institute, which educates volunteer board members and association management professionals. The number of communities covered by associations has grown to more than 333,000 today from about 10,000 in 1970.

Community associations come with rules that determine everything from the number of pets you can own to what color you can paint your front door. Some include amenities such as pools, clubhouses and golf courses, while others provide services such as road maintenance and streetlights.

The associations are set up by developers and then turned over to a volunteer board of homeowners once all the units in the development are sold. Those volunteers are responsible for making sure facilities are maintained, collectingmaintenance dues and enforcing the rules. “This is the ultimate form of democracy,” says Frank Rathbun, vice president of communications for the institute.

Satisfied — or Not?

While stories of homeowners associations that deny permission for kids with cancer to build a playhouse or veterans to fly a flag on the wrong kind of pole may steal the headlines, institute statistics show that 64 percent of residents are satisfied with their community association experience and 26 percent are neutral, with only 10 percent dissatisfied, according to a 2014 survey.

But the same survey shows that almost a quarter of residents have experienced a significant disagreement with their association, with landscaping and parking being the two most common causes, followed by finances and architectural issues.

Whether you like or hate the rules that come with community association life, once you’ve bought or rented in an association, you’ve signed on. Being a member of an association ties your fate to your neighbors’ in ways that living in a traditional subdivision doesn’t. “You have to overcome that ‘my home is my castle’ issue,” Rathbun says.

Property Values, Property Values, Property Values

Rules are designed to protect property values, and 70 percent of the respondents in the CAI survey believe they do, while 26 percent believe they make no difference. Disagreements over which rules are required to protect property values often leads to conflicts that can cost residents both time and money if they’re handled poorly.

“People ought to know that being in a condo is a give-and-take kind of thing,” says Patrick Hohman, author of “Condos Townhomes and Home Owner Associations: How to Make Your Investment Safer” and a longtime volunteer board member who is now a part-time, on-site manager at a condominium near Louisville, Kentucky. He also runs an educational website “It’s a nonstop process of building trust and maintaining trust,” Hohman says. “You learn to be forgiving of others and forgiving of yourself. You deal with people where they are and as they are. It’s kind of like dealing with your extended family at Thanksgiving.”

“Board members are almost never trained in property management,” says Richard Thompson, who publishes The Regenesis Report, a weekly newsletter for board members and developers. He also writes a syndicated column for Realty Times and just published the book “Trade HOA Stress for Success.”

Professional Management Is Common

He recommends professional management — hiring trained and experienced property managers to oversee operations — for most associations. “If the board hires competent people, they’re going to stay ahead of the curve and not put fires out,” he says. About two-thirds of associations hire professional managers, but the rest are managed by the residents themselves.

Communities are dependent upon the skills and personalities that residents and board members bring to the table. Some people are better than others at working with their neighbors, and residents with poor people skills can create problems for everyone, especially if they get on the board.

Experts say that communications and transparency — being very clear about where the money goes, welcoming residents and board meetings and sharing information about how decisions are made — go a long way toward building community harmony. “There is no substitution for communication between the association and the residents,” Rathbun says.

How to Get Along

  • Know the rules before you move in. Too few prospective residents understand the rules before they buy or rent. It’s particularly important to be able to live with policies on pets, parking, collection, rentals, noise and architectural guidelines. “Folks buy into a homeowner association without any clue of what they’re obligated to do,” Thompson says. “Few prospective buyers research these things before they close the deal.”
  • Follow proper procedures. Boards should set up clear procedures for everything from getting permission to paint your front door to rental applications to installing a satellite dish, and homeowners should expect to follow those procedures.
  • Go to your neighbor before you go to the board. The board is there to make sure the rules and regulations of the development are followed, but if your neighbor’s loud music annoys you, talk to your neighbor first before taking your complaint to the HOA board.
  • If you don’t like a rule, get your neighbors together to change it.Changing circumstances may make some rules outmoded, and boards should review the rules every few years to make sure they’re all serving the community. If you don’t like a rule, talk to your neighbors and petition the board collectively for a change.
  • Volunteer to help your community. It’s not always evident from the outside what work the board of directors is doing and what issues the community faces. Once you move in, volunteer to help with a project or serve on a committee, and expect to serve on the board at some point. “Get involved. Don’t wait until you’re dissatisfied about something,” Rathbun says.
  • Try to stay out of court. Every community has a few people who think the rules don’t apply to them, and some would rather fight than comply. A court battle can be costly, both in money and in emotional turmoil within the community. “Win, lose or draw, we are still talking about neighbors who have this bigger wall between them,” Thompson says. Adds Rathbun: “Be reasonable: That applies to both the homeowners and the volunteer homeowners who serve on the board.”
  • Have a long-range plan. State laws regarding reserves and planning vary, but it always makes sense to plan for items you know will have to bereplaced or repaired, such as roads, roofs and pools. If the community has no reserves and no plan, a roof leak at a condominium complex could mean a surprise assessment of thousands of dollars for each homeowner. “If the board had been collecting money and planning for this … every member along the timeline would have been paying some portion,” Thompson says.

Why Insurance Deductibles Should Be So High They Hurt

home covered

NEW YORK — You can save up to 41 percent in home insurance premiums if you raise your policy’s deductible — but there is risk.

Insurers will charge you less in premiums if you hike your deductible, although the amount you save depends on what state you live in, and often works in their favor by putting more financial burden on the homeowner in the case of such problems as fire or flood.

For example, if a small fire causes $4,500 in damage to your home and your policy has a $5,000 deductible, you’re on the hook for the entire cost of repairs.

Since savings vary so much from state to state, consumers need to consider the bottom line before increasing deductibles.

“Since savings vary so much from state to state, consumers need to consider the bottom line before increasing deductibles,” says Laura Adams, senior analyst at “While switching from a $500 deductible to a $5,000 deductible sounds appealing because it lowers home insurance premiums by an average of 28 percent, it could be a risky move for consumers who don’t maintain that much in savings.”

Of course, homeowners can raise their deductibles less. Boosting a policy’s deductible to $2,000 from $500 saves a homeowner 16 percent, on average.

Some states are more generous on their homeowner insurance rates than others. North Carolina for example, allows homeowners to save 41 percent on their policies by raising out-of-pocket deductibles. Rhode Island (26 percent) and Florida (23 percent) residents can also save big.

On the other end of the spectrum on saving with deductibles are such states as Hawaii (at 4 percent savings) and Texas (6 percent).

Insurance industry experts say the decision is really based on how you view homeowner’s insurance.

“If your deductible doesn’t hurt, it’s not high enough,” says Kevin Foley, an insurance broker at PFT&K Insurance Brokers in Milltown, New Jersey. “Why so high? Because insurance is for disasters — things that make you drop to your knees and thank God you have insurance. It’s not for maintenance.”

Consequently, you shouldn’t use your insurance unless you absolutely have to, Foley adds. “Having a low deductible lures you into wanting to use the insurance when you have minor problems,” he says. “What’s $250, if the insurance pays the other $1,750?”

“The problem with that is most insurance companies allow you two strikes in three years and then they cancel you,” Foley explains. “Replacement insurance is unbelievably expensive, and you’re stuck with it for three years before anyone will talk to you. Plus, you can’t hide from your losses, because they all share information.”

Some homeowners agree that raising insurance deductibles was good for them.

“We significantly increased our home deductible and saved 32 percent on our homeowner’s and our auto insurance,” says Mark Zoril, founder of PlanVision, a Plymouth, Minnesota-based financial services firm.

Zoril’s process was straightforward. “I reached out to six different firms and could have reached out to many more — Farmers, American Family, Liberty Mutual, Travelers and AAA … I imaged copies of all of our policies with Allstate and sent them to each office. I told them to just match the coverage and provide a quote.’

Zoril ended up choosing Liberty Mutual and raising his homeowner’s policy deductible to $10,000. “We decided to treat our home insurance as coverage for a catastrophic event,” he explains. “This reduced our premium a lot. [But] our risk is that our house or roof will suffer severe damage in a storm or weather event.”