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Gina Harper
Follow Your Dream, Home. ™
REVIEWS
Andy Winger
Gina is smart and quick to respond to all of my questions and concerns, even after the deals. She was my agent for 2 purchases and 1 sale. It was a pleasure working with her.
Things To Consider When Buying a Home
Things To Consider When Selling Your House
Blog
What does my fire insurance cover in a fire?
When it comes to fire damage, many homeowners assume their standard insurance will cover everything. While most homeowners policies cover fire and smoke damage, there can be exceptions, particularly in areas deemed high-risk for wildfires. It's essential to fully understand your policy and consult an insurance expert if you have any questions. We work with trusted local insurance agents who can guide you to the right coverage for your specific needs. Here’s what you should know: Does my homeowners insurance include wildfire damage? Standard homeowners insurance typically covers your home's structure, other structures like detached garages, sheds, and personal belongings in the event of fire damage. This coverage extends to fires caused by candles, grease, electrical faults (e.g., faulty wiring), wildfires, and lightning. However, some exclusions may apply, such as damage from nuclear hazards, arson, poor maintenance, or regular wear and tear. Contact your insurance agent for clarification if you have any doubts. What if my policy doesn’t cover fire damage, or I can’t get coverage due to wildfires? Similar to flood insurance, certain private insurers may exclude or not provide coverage in high-risk areas. It's important to explore different options as some insurers may have higher risk tolerance than others. For instance, "non-admitted" insurers, although not licensed by the state, can legally offer coverage, including "difference in conditions" policies to address coverage gaps. These insurers are typically accessed through surplus lines brokers who specialize in risks that standard carriers won’t cover. Note that these companies operate under different regulations and do not participate in state insurance guaranty funds, which protect policyholders in case of insolvency. Therefore, it’s crucial to ask questions and carefully review policy details. To find a surplus lines broker, you can contact your state insurance department or consult your trusted insurance agent, who may refer you to a specialist. What should I do if my home is deemed ineligible for fire damage coverage? Some insurers may decline coverage for fire damage if your area is deemed high-risk based on fire maps or risk assessments. In such cases, there are steps you can take to manage costs, such as consulting an insurance professional to discuss your options, obtaining quotes from multiple insurers, including surplus lines providers, and obtaining wildfire-prepared certifications from organizations like the Institute for Building & Home Safety. Additionally, you can reach out to your state insurance commissioner for further guidance on fire insurance and risk assessments. What is a “FAIR” plan? If you cannot secure fire insurance through regular channels, you may consider a Fair Access to Insurance Requirements (“FAIR”) plan. Available in many states, FAIR plans are designed to provide coverage for high-risk homes that do not qualify for standard insurance in the private market. While typically more expensive and offering limited protections compared to private insurance, FAIR plans can serve as a vital safety net for homeowners facing insurance challenges. Insurance practices can vary based on state and local laws. For specific details on regulations in your area, consider consulting a real estate professional or legal advisor. For more resources and information, visit: Facts.Realtor
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Arkansas' first 3D printed homes come to Downtown Rogers
Arkansas' first 3D printed homes come to Downtown Rogers First of it’s kind: The Rogers City Council approved selling an acre of land to the Northwest Arkansas Council Foundation for Arkansas’ inaugural 3D Printed Housing project, aimed at addressing housing affordability. Groundwork Northwest Arkansas, the foundation’s affordable housing division, will utilize 3D printed concrete technology to construct two-story duplexes at 920 S First Street for community members earning below 80% of the area’s median income. The city sanctioned the land sale at $50,000. This will be one of, if not THE, first two-story residential 3D printed homes in the US, and it is the first 3D printed home in Arkansas. Duke McLarty, Executive Director, Groundworks Duke McLarty, Groundwork’s executive director, emphasized the need for cost-effective housing solutions, citing Rogers' average home price of $505,000. Groundwork will collaborate with Alquist 3D, known for using robotic technology to create 3D printed concrete homes, capable of building a 1,500-square-foot home in 30 hours. Groundbreaking: The project aims to erect "at least four structures," comprising "at least eight units of housing," featuring two-story duplexes ranging from 1,300 to 1,600 square feet. Construction is slated to commence in late spring or summer, with occupancy targeted by late 2024. According to US. News & World Report, 3D printed homes offer cost-effective solutions for workforce housing, utilizing fast-setting cement and robotic arms for construction, resulting in less labor-intensive, more energy-efficient, and cost-effective homes. Backgrounder: Groundwork focuses on addressing housing affordability in Benton and Washington counties in Northwest Arkansas, aiming to create well-designed housing options for workers and their families, supported by the Walton Family Foundation. This initiative aims to alleviate obstacles faced by various workers, such as teachers and healthcare workers, in finding affordable housing within the region, ultimately enhancing community engagement and vitality. NWA Council Foundation's Affordable Housing Mission: Groundwork - previously the Northwest Arkansas workforce housing center – is focused on the emerging issue of housing affordability in Benton and Washington counties in Northwest Arkansas. The goal is to strengthen the bonds in Northwest Arkansas communities by creating a variety of well-designed housing options and mixed-income neighborhoods for the region’s workers and their families. Groundwork is being incubated at the Northwest Arkansas Council with support from the Walton Family Foundation. The center will collaborate with community partners to develop a strategic plan specific to housing needs and priorities. Who benefits from affordable housing: Teachers, firefighters, health care workers, manufacturing workers and other residents face increasing obstacles in finding housing at affordable rates relative to their incomes. These barriers often prevent people from living in and contributing to the richness of the communities where they work. Many Northwest Arkansas residents often choose to live away from the region’s core cities due to lower housing costs in outlying areas. Any savings on housing costs by choosing to live outside city centers can be offset by higher transportation costs and increased commute time, making it difficult for people to become engaged in the communities where they work. Posted by: Karen Wagaman on Monday, January 29, 2024 Link to the original article: https://www.rogerslowell.com/blog/2024/01/29/downtown-rogers/arkansas-first-3d-printed-homes-come-to-downtown-rogers/?utm_source=NWA_Daily&utm_medium=newsletter&utm_campaign=we-re-not-worthy
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Discover the Perfect Blend of Luxury and Community Living at 800 SW Thorncroft Avenue, Bentonville, AR
Welcome to 800 SW Thorncroft Avenue, a stunning home nestled in the highly sought-after Lochmoor Club neighborhood in Bentonville, AR. Priced at $680,000, this exquisite property offers a harmonious blend of luxury, comfort, and community amenities that will surely captivate any discerning homebuyer.Upon entering this magnificent residence, you will be greeted by a thoughtfully designed split floor plan. The main level features tall ceilings throughout, enhancing the sense of spaciousness and grandeur. The formal dining space sets the stage for elegant entertaining, while two generously sized living areas provide ample space for relaxation and quality family time.The heart of the home is undoubtedly the chef's kitchen. Boasting granite countertops, freshly repainted cabinets, and tray ceilings with lighting, this culinary haven is a dream come true for any cooking enthusiast. Whether you're preparing a quick weekday meal or hosting a lavish dinner party, this well-appointed kitchen is sure to impress.The main level also offers three spacious bedrooms, each providing a comfortable retreat for rest and relaxation. The primary bedroom is a true sanctuary, featuring an en-suite bathroom where you can unwind after a long day. This private oasis ensures that you have a tranquil space to recharge and rejuvenate.Entertainment lovers will be delighted by the expansive bonus room located on the upper level. Equipped with a home theater complete with a screen and projector, as well as a bar area, this space is perfect for hosting movie nights or cheering on your favorite sports team. The possibilities for endless fun and entertainment are endless.Step outside to the sprawling backyard and discover a true outdoor haven. The spacious covered patio is an ideal spot for al fresco dining, while the concrete slab can be used as a basketball court for some outdoor recreation. Additionally, residents of the Lochmoor Club neighborhood have access to an array of amenities, including pools, playgrounds, sports court areas, and a pavilion, all within walking distance from the home. Embrace a sense of community and enjoy the benefits of a vibrant neighborhood.In conclusion, 800 SW Thorncroft Avenue presents an exceptional opportunity to own a luxurious home in the desirable Lochmoor Club neighborhood. With its impressive features, including a chef's kitchen, home theater, and access to community amenities, this property strikes the perfect balance between functionality and community living. Don't miss your chance to experience the best of Bentonville living in this remarkable residence. Contact us today to schedule a viewing and make this dream home your reality.
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Gina Harper
Whether you are looking to purchase or sell your home, relocate or invest, I'm available to assist you in fulfilling your real estate dreams.