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1. The top 3 homeowners insurance companies ranked in order are Amica, USAA, and Auto-Owners Insurance. 

2. To reduce your homeowners insurance install smoke detectors, burgalar alarms and dead bolts.  Make sure you let your insurance company know if you have these items so you can get a reduced premium.

3. Renovating a bathroom?  They recommend you spend three weeks to a few months in the planning phase.  The lead cause of spending too much is poor planning. 

4. The number one rating for bathroom countertops went to laminate.  If you went by what people prefer...I am sure it would be granite. 

5. If you have an older toilet you should consider replacing it.  The savings in your water bill can add up quickly if an old toilet is replaced with a…

Five Things I Learned From Reading the July Consumer Reports

This month’s issue focused on making your home feel more luxurious for less. 

1. CR surveyed thousands of readers on hotels.  The top rated hotels were Ritz Carlton(Luxury), Residence Inn by Marriot(Upscale), Wingate by Wyndham(Moderate), and Microtel(Budget). 

2.  The top three places to buy major appliances in order are Abt Electronics, Independent stores, and Lowe’s.  The top three for buying small appliances in order are Amazon, Independent stores, and Costco. 

3.  CR does not recommend buying extended warranties for appliances. 

4.  Quartz and Granite are best for countertops.

5.  The best ways to save gas are to slow down and drive between 55-65 MPH, check gas prices on a site…