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If youre looking to design a media room thats ideal for watching your favorite sports, here are a few features to keep in mind.

Top-Notch Tech

A big screen and a state-of-the-art surround sound system are absolute musts. You may even consider multiple screens for when there are a few games on.

Strategic Seating

The ideal set up would be a large sectional, and a few spaces where people can congregate. Bar tables and stools are always a popular option.

Wet Bar

You might want to have your home bar located nearby. You can even take it a step further and include a few appliances for preparing your favorite snacks.

Soundproof

Its no secret that sports games can go late into the evening, and by soundproofing the room, you wont run the risk of disturbing others in the house.

Published with permission from RISMedia.

Homeowners insurance rates are based on many factors. One of the most important is the likelihood of someone getting injured or killed on a policyholders property. Having an attractive nuisance in your yard could make your insurance rates significantly higher than your neighbors.

What Is an Attractive Nuisance?
An attractive nuisance is a feature of a property that is both attractive and dangerous to children. Some common examples are a pool, fountain, pond, trampoline, playground equipment, tree house, or broken-down vehicle or appliance. Children are naturally drawn to these things out of curiosity or a desire to have fun and often have no idea how dangerous they can be.

What Is the Attractive Nuisance Doctrine?
Court cases have established that homeowners who have an attractive nuisance on their property have a responsibility to take extra measures to protect children from harm. A homeowner can be found responsible for a childs injuries or death if the homeowner knew that there was a chance that a child might not understand that an object was dangerous and that a child could be injured or killed by it, and yet the homeowner did not take reasonable steps to keep children safe. A homeowner can be held liable even if a child was trespassing on the property.

What Are the Insurance Impacts?
Homeowners insurance companies charge higher rates for people who have an attractive nuisance on their property because of the possibility that a child could be injured or killed and the insurance company could have to pay a large amount to settle the case. If you have an attractive nuisance on your property, you might be able to reduce your premium by taking significant, concrete steps to protect children.

If you have a pool, you can install a fence around it that is high and difficult for children to climb and that has a locked gate. A pool cover or an alarm that goes off if someone enters the pool unsupervised can also prevent accidents. If you have a tree house, fencing in the area around the tree, or the entire yard, can keep kids out. Making sure the tree house is well maintained and doesnt have any broken wood or loose nails can prevent injuries to children who are allowed to use it. If you have a trampoline, installing safety nets and putting a fence around the trampoline or the perimeter of the yard can help you keep your homeowners insurance rates down.

Talk to Your Insurance Company
Many homeowners buy or build things to provide fun for their families and dont understand how their insurance rates could be affected. If you have an attractive nuisance on your property, an insurance company will see it as a major liability risk. Talk to your carrier about measures you can take to protect children and keep your rates down.

Published with permission from RISMedia.

Here are three easy work-from-home upgrades to increase your productivity.

Focus on Furnishings

An adequate desk and comfortable chair are obvious necessities. In addition, a few luxuries”like a coffee maker or a mini fridge for snacks”will help you feel your best.

Tech Essentials

Quality items like a high-definition monitor, noise-canceling headphones or high-end speakers can make a huge difference in your home office.

Video Conference With Ease

Proper lighting in your home office and faster internet speeds with an upgraded WiFi connection will make video conferencing a breeze.

Published with permission from RISMedia.

Published with permission from RISMedia.

Here are four features to look for in a second home to help you feel relaxed.

A Place to Unplug

Ideally, this is a place where you can slow down, unplug and enjoy the simpler side of life.

Favorite Activities

A second home is all about lifestyle and should cater to your hobbies. A house that offers access to your favorite activities is sure to bring joy into your life.

Lounging Areas

If you feel like you could benefit from a little R&R, then look for a home where you can envision the whole family just hanging out together.

Focus on the Feeling

This is where youll go to treat yourself, so it should send a wave of tranquility over you each time you step foot on the property.

Published with permission from RISMedia.