Upstate InsYOUrance MATTERs

05/08/2026

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05/06/2026

04/28/2026

Always a great day when I can help you save money!
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04/26/2026

A new garage door has a 194% ROI. A bathroom remodel has 64%. Most homeowners have this completely backwards.

The renovations that feel the most impressive and cost the most money almost never produce the best return when it's time to sell. And the upgrades that feel almost too simple routinely outperform everything else on the list.

A new garage door costs around $4,000 installed. It returns nearly double that in added home value on average.

A new front door costs $2,000 and returns 188%. Stone veneer on the exterior runs $10,000 and comes back at 153%.

These are curb appeal plays. First impressions. The stuff buyers see before they ever walk inside.

Now look at the other end of the list. A bathroom remodel averages 64% ROI. You spend $20,000 and add $13,000 in value. A kitchen remodel comes in at 96% which sounds decent until you realize you're spending $75,000 to $100,000 to break even.

Here's the question I tell every homeowner to ask before starting any renovation.

Will a buyer actually pay that much more for this house?

Because there's a difference between what you love about your home and what a stranger will pay extra for. Buyers don't pay full price for renovation costs. They pay for what they can see, what they can feel walking through, and what compares favorably to everything else in the neighborhood.

A $400 front door upgrade and fresh landscaping will outsell a $50,000 kitchen renovation on ROI almost every time.

Renovate for enjoyment if you're staying. Renovate for ROI if you're selling. Know which one you're doing before you write the check.

02/24/2026

01/05/2026

Its a new year. Time to review your car and RV insurance. I am glad to help you review and understand what you have at no cost.

10/20/2025

Upstate InsYOUrance MATTERs...where YOU MATTER!
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