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Becoming a Landlord

How to be a Good Landlord

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Perhaps you inherited property or purchased property as a new investment and now you are contemplating becoming a landlord. If you decide to rent an extra piece of property, you should know some ground rules. In this months article, 'How to be a Good Landlord,' we will discuss some of the basics that every landlord should know. We will discuss what it takes to be a landlord, what makes a good rental property, what are your responsibilities as a landlord, how to advertise your property, how to avoid legal pitfalls and how to evict a tenant if the relationship deteriorates. Overall, this is a short list, hopefully it will help you start with a little more direction and know-how.

Do you have what it takes to be a landlord?

The decision to become a landlord should not be taken lightly. Contrary to popular belief, this is not the type of job where you just sit back and watch the cash flow in. Regardless of the challenges, more than half of landlords are self-employed. Doing it yourself will mean you take on the responsibilities of a small business owner. You need to have great communication skills. You will be working with all types of people; sometimes even the difficult ones. Being an effective communicator in person and in writing is vital. You are an accountant. This includes everything from rent payments and deposits to repair and maintenance costs. You are a manager. You may have staff to train and watch over. Their professional behavior reflects upon you and your property. If they are inconsistent with your policies they can damage your business or even get you into legal trouble. You may also need to contract repair or maintenance jobs you cannot complete on your own. You will need to project manage these items through to completion. You are a marketing director. Getting your place advertised and your units filled is an ongoing challenge. Advertising also includes many legal regulations that you should know (more on this below). Your knowledge of this business should also include legal knowledge. Consulting a lawyer is recommended for anyone starting as a landlord, especially since every state has specialized landlord/tenant laws. But in addition to this, you will be responsible in making sure any staff or contractors you use also know the laws when working with tenants. You should be dedicated and patient. Being a landlord is a tough road to start. You should be prepared for hard work with a slow, trickle-in type of income, especially at the beginning. On average, a landlord should only expect about a 10% profit annually. The rest of the monies will be recycled into items such as mortgage payments, taxes, repairs, management costs, insurance, advertising and a rainy day fund (to name a few). There are tax breaks available to landlords, however, these are not enough to turn your profit margins sky-high. These qualities listed above will help you become a great landlord.

Perhaps there is a trait above that gives you pause. "I really don't want to manage all the accounting." or "I don't want to live onsite or nearby." All is not lost. You can hire a property manager. Doing so will cost you about 10%/month of any monies the property takes in. However, it can be a wonderful way to manage your business. When looking for a project manager, treat it like any other contracted service. Perform rigorous interviews, check references and make sure you have the same ideas about responsibilities of each party. Find out if they are insured, if they already have working contracts with maintenance and repair companies, and if they charge any extra fees for these contacts. Once you decide on a property manager, be certain to create a detailed contract covering all responsibilities. As with any of your other endeavors with your rental property, keep all your records and agreements in writing! Other professionals you may use to help manage your property include accountants, maintenance specialists, marketing directors and lawyers. Of course all of these will eat into your profit, but be honest with yourself and utilize these people when you need them. You can save yourself headaches down the road if you strengthen any weaknesses at the beginning.

What makes a good rental property?

When purchasing a rental property, there are some important questions to ask:

Do you have a enough for a down payment? Because rental property is viewed by lenders as a higher risk, you may be asked to put as much as 25-40% down on the property. Lenders calculate about 75% of your mortgage payment will come from renters. This leaves you with 25% to make up and even more if you cannot rent all the units. They may give you the option for a lower down payment at a higher interest rate. However, the higher interest rate may defeat any benefits.

Could you live on the property? If you use one of the units as your own residence this will help lower the risk factor for lenders. Lenders can offer a lower down payment and you can learn the ropes of being a landlord without being far from your investment.

Can you get the rent you need for the mortgage? Take a look at the neighborhood and compare the rental costs. Your rental rate needed to cover mortgage should not be too far above the market or you will lose your ability to rent units. - If you inherited or already own the property, you should consider if you can meet current mortgage payments. It may be more beneficial to sell the owned/inherited property and reinvest in another neighborhood.

Is the building up to code? Make sure to hire a home/building inspector before purchasing the property. Make sure the inspector is aware that you hope to rent the place as this may change some safety and code requirements. Take time to make yourself familiar with codes for your locality. This will help you ask better questions and understand any improvements you may need to make.

Is the property maintained? At first you may think it won't be a problem to repaint, re-roof, update the wiring and plumbing, etc. until your list becomes too long for the investment to be worthwhile. Again, hire a home inspector and make certain you know what needs repair and the estimated cost of repairs before you buy.

Is the property secure? Review reports on neighborhood safety. Check for ample lighting, especially at entrances and in parking areas. Make sure windows and doors are solid. Consider the cost to change all the locks and add window locks. Think about the security of your tenants in the property.

What are the responsibilities of a landlord?

Let's assume you are going to take on most of the business yourself and have found a wonderful property to rent. Now, what are some of the responsibilities you have as a landlord?

Tenant Screening: Your first interaction with possible tenants will be the background check that includes a financial review and calling references. Overall, you must perform background checks fairly. You should not do the check on one person and not on the other as this favoritism, or "trusting your gut feeling," is a disservice to all involved. You owe it to yourself, possible tenants and current tenants to perform fair background checks. For yourself, you can avoid headaches with tenants that don't pay the rent or have caused problems, such as costly repairs, in the past. For possible tenants, you may be providing that reality check - can they really afford your rental? For your current tenants, consistent background checks let them know you are looking after your investment giving them a sense of security. On average, working with an agency, this will cost you about $20 per check; an investment well worth the cost.

Clear, Consistent Communication: To avoid any misunderstandings, make sure all your interactions with tenants are clear.

  • HAVE A CONTRACT! Make sure you supply the tenant with a copy of the contract so they may reference it if any questions arise. Review the contract with a renewing tenant and discuss any questions they may have over the language or meaning.
  • Collect rent on a schedule. Keeping consistency with your tenants is imperative. If you are too lax one month, you may have a hard time collecting rent the next month. Or, if you are lax with one renter and not another you can create tension or even a legal issue.
  • Always provide written notice before entering a tenants space. This varies from state to state. However, for good business practice and common curtsey, let the tenant know when you need to enter the property they call home.
  • Use signs, flyers or other WRITTEN communication to inform tenants of policies and policy changes. Provide all tenants with copies and/or make clear postings around the complex.
  • Serve notices and warnings in writing. Verbal notices will not protect you if a situation deteriorates. Make certain to give your notices in writing and make yourself available for questions or discussion. Serving a notice and then disappearing from sight does not offer clear communication and can aggravate a situation!

Provide a Safe and Maintained Environment: Every landlord should offer tenants a living space that is up to code, safe for habitation and in working order. Even if you decide to contract out maintenance services, you should provide your tenants with repairs in a reasonable amount of time. Make good relationships with contractors that understand the nature of the work and are willing to come out after normal working hours. Save money for a rainy day so you can pay for emergency repairs when they arise. Maintaining the property will encourage tenants to take pride in their home and maintain their surroundings. Also, strive to make your tenants safe. You cannot control all conditions. However, changing locks, providing ample lighting for parking and having emergency procedures written and distributed are a few of the ways you can keep your tenants safe.

How do you advertise a rental property?

Advertising a rental property is important for getting units filled. Today you can use everything from word of mouth to online sites to advertise your property. In larger cities, you may even use "finding agencies" or real estate agents/brokers to advertise. When advertising your property, keep a clear list of amenities and useful services in the neighborhood. When composing your advertisement you must watch your wording as you cannot exclude any demographic. There are many federal laws/protections that regulate how you advertise your rental. The fair housing laws make it illegal "To make, print, or publish, or cause to be made, printed, or published any notice, statement, or advertisement, with respect to the sale or rental of a dwelling that indicates any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention to make any such preference, limitation, or discrimination." (Source: U.S. Code Collection - Cornell University Law School). In addition to this clause, many states and cities may also prohibit discrimination based on marital status and sexual orientation. Most landlords have good intentions to rent to all qualified tenants. However, there are certain ways of wording advertisements which may be perceived as discriminatory. For this reason, you should carefully choose your wording when advertising your rental property. Avoid words and phrases such as: prefer, suitable for, ideal for, ethnic neighborhood [or other cultural identifiers]. For a good list, take a look at the Pennsylvanian Human Relations Commission's Reading Between the Lines: A guide for housing and commercial property advertisements as they include a list of terms to avoid. Another resource for examples is the Guidance Regarding Advertisements Under §804(c) of the Fair Housing Act by the US Department of Housing and Urban Development. Keep in mind this good rule of thumb: always describe property, never describe people.

What are some legal pitfalls to avoid?

There are a lot of legal concerns when renting out property. As we have seen, the law influences advertisements of rentals. In addition to this, you create a contract agreement with your tenants every time you rent. Therefore, it is important to have sound legal advice as a landlord. Establish a relationship with a lawyer who you may hire for any contract questions or possible representation. No one ever wants anything to get as far as a lawsuit. So here are some ways to avoid legal pitfalls in the first place:

  • Always perform background checks with every possible tenant.
  • Call tenant references.
  • Treat every tenant the same in process; never cut a corner for one tenant because of a "gut feeling" or personal relationship.
  • Keep all notices in writing. 
  • Keep all due dates consistent from month to month and from tenant to tenant. 
  • Always perform background checks on any staff.
  • Make certain all staff are trained. They should know what they can and cannot do for tenants. If they are handling rental paperwork or advertising, they should know fair housing laws.
  • If you contract out maintenance work, make certain they treat your tenants professionally. Although they don't work for you full time, they do represent you since you hired them.
  • Keep housing up to code and safe for living.
  • Investigate any complaints against your staff immediately.
  • If a situation arises, consult a lawyer. Know how to legally proceed before taking any action.

How do you evict a tenant?

Evicting a tenant is one thing all landlords would rather avoid. However, sometimes circumstances deteriorate and eviction is the only feasible solution. If you have tried open communication but cannot get the tenant to pay rent or obey rules of the property it may be time to start the eviction process. The rules behind evicting a tenant vary from state to state. It is therefore imperative you discuss your options with a lawyer. Indeed, for the best security, you may want to do the whole eviction process through your lawyer. Regardless of the ups and downs involved with evicting a tenant, make certain to always maintain a professional decorum. Do not allow personal emotions to collide as this can only lead to further legal issues. Keep all of you requests in writing. The first step to any eviction is to send a written notice for them to pay back rent, fix problem behavior or move out. For example, in some states you may send a Demand for Rent or Notice to Quit form to a tenant who is behind rent payments. Or you may send a Notice to Cure Breach of Lease to inform the tenant that they must fix behavior that is contrary to your rental agreement. A Notice Regarding Termination of Lease may be used in some states when there is no chance for reconciliation. For example, the tenant is involved in illegal activity on the premises such as drug trafficking. If problems have not be rectified after notices have been given, then a suit is filed against the tenant. Upon winning this, it is law enforcement personnel who deliver written notice when the tenant may remove their items from the premises. You should never remove a tenant's items yourself. Using the police will ensure that you cannot be accused of taking or damaging any of the tenant's property. Essentially, make certain to obtain legal advice, serve warning notices required by your state, keep all notices and communication in writing and use local law enforcement to help keep you protected from any accusations of unfairness.

None of the above is a substitute for legal advice. An attorney should be consulted.

FREE Rental Agreement Forms

In cooperation with our partners at Lawchek® and Lawsonline™, Homecheck is pleased to provide a sample Rental Agreement Forms for FREE. This is not a substitute for legal advice. It is never recommended that an individual undertake his or her own representation in such matters as real estate law, even though most states do permit such activity. Any individual who is serious about proper real estate transactions would want to have capable legal assistance. An attorney must be consulted.

  • Blank Rental Agreement Form Example Rental Agreement Form
  • Blank Apartment Lease
  • Blank Notice to Quit "

This work is protected under the copyright laws of the United States. No reproduction, use, or disclosure of this work shall be permitted without the prior express written authorization of the copyright owner. Copyright © 2008 by LAWCHEK, LTD."

Resourceful Links

Fair Housing by CivilRights.org
www.fairhousinglaw.org 
The Fair Housing National Multimedia Campaign is designed to increase public awareness of the Fair Housing Act and its protections, encourage the reporting of fair housing discrimination to the appropriate agencies, and provide information and resources to help communities and institutions support individuals and families who exercise their fair housing rights.

Landlord.com
www.landlord.com
In early 1998 the decision was made to spin Landlord.com off as a separate entity, dedicated to providing services to landlords and other real estate professionals on-line.

National Fair Housing Advocate Online
www.fairhousing.com
The National Fair Housing Advocate Online is a resource designed to serve both the fair housing advocacy community and the general public with timely news and information regarding the issues of housing discrimination. Find local organizations to help with any Fair Housing questions: http://www.fairhousing.com/index.cfm?method=agency.search

National Fair Housing Alliance
The National Fair Housing Alliance (NFHA) is the only national organization dedicated solely to ending discrimination in housing.

US Department of Housing - Home & Communities
www.hud.gov/offices/fheo/
The Office of Fair Housing and Equal Opportunity (FHEO) administers and enforces federal laws and establishes policies that make sure all Americans have equal access to the housing of their choice. We can help you with your housing discrimination problem. If you feel your rights have been violated, let us know.

US Department of Justice - Fair Housing Act
The Fair Housing Act, 42 U.S.C. 3601 et seq., prohibits discrimination by direct providers of housing, such as landlords and real estate companies as well as other entities, such as municipalities, banks or other lending institutions and homeowners insurance companies whose discriminatory practices make housing unavailable to persons because of: race or color, religion, sex, national origin, familial status, or disability.

Don't break the bank!

Recession survival tips for the household budget

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Now is the time of New Year's resolutions and an artificial restart for many of us.  This is a time taken to reflect on what goals we may want to achieve in the year ahead.  In many cases, financial security will be a primary objective for individual households as the recession continues through 2010.  Many people are grateful for the beginning of a gradual stabilization and cautiously hopeful for the recovery of the economy.  Although the majority of us do not have direct influence on the big companies and banks, we do control how we run our individual households, and many of us will be tightening our spending budgets and looking for ways to save.  Below we have provided some online resources for everything from keeping a balanced budget to finding ways to shop a bit smarter.

Know your budget: Before you can adjust your household budget to save, pay off debt or get ahead in your payments, you have to have a realistic look at what you owe and what you earn.

  • Bankrate: This site offers numerous online calculators from home budgets to which saving options will give the best returns. You can also begin to look at whether a home equity line of credit would be a good way to get rid of your debts or if now would be a good time to refinance under a lower mortgage rate. http://www.bankrate.com/brm/rate/calc_home.asp
  • BBB Develop a Working Budget: A printable worksheet that comes with other details to consider when calculating and understanding your budget. http://www.bbb.org/alerts/article.asp?id=709
  • Kiplinger.com Budget: An online budget form that will help you get started figuring out where you stand for the current month. http://www.kiplinger.com/tools/budget/
  • Microsoft Budget Templates: If you already use Microsoft Office, consider downloading one of their free budget templates. One of these Excel worksheets can help you keep track of your monthly expenses and be altered to fit your specific needs. http://office.microsoft.com/en-us/templates/CT101172321033.aspx

Revisit your grocery list: Reconsider how you buy groceries and what you buy.

  • Always shop with a list - Some suggest a list for any shopping trip you take. Always have a clear idea of what you need. This will help you find the best deals and not get distracted by impulse buys.
  • Buy generic brands - When you compare ingredient labels you may be surprised how similar or exact the name brands are with the generic. Try a couple taste tests, not everything generic will be ideal for your pallet, but some may surprise you, and savings could sweeten their flavor all the more!
  • Buy in bulk - Many stores now offer you the option to save by buying in bulk. Never use enough of it in time? Consider teaming up with family or neighbors and splitting your purchases. Maybe you don't need 10lbs of chicken, but 5lbs at $2 less per pound is savings to the bank.
  • Pack more snacks - When shopping, look for items you can easily put in the car, at the office or anywhere you might get the munchies. This way you can curb you hunger before you decide to hit the fast food on the way home.
  • Home Ec 101: Bake and Cook - Take on the personal challenge to become a better chef. Don't have the time? The internet is full of quick and easy casseroles, muffins, and other recipes that can help you get through your day. You will save money in the 15 minutes it takes to make these meals and you may find them more satisfying than microwave dinners.
  • Home brewed coffee - If you are addicted to your caffeine, then it is time to invest in a coffee pot with a clock and timer. You can still grab the coffee on the way out the door without being slowed down. Need it at work? Consider a French press where you can brew coffee conveniently at your desk without any machines, filters or mess.
  • Find your green thumb - If you have the property consider making a garden with your favorite greens. Fresh tasting rewards combined with natural stress relief. Don't have the property? Consider a container garden (or even an indoor container like the Aero Garden) for some of your basics. Maybe get to know you neighbors and join in a community plot.

Coupons, discounts and closeouts: Many sites online now offer ways to compare the best deals by product or store. Whether looking for new electronics or ready to head to the grocery store, check out these sites before you buy. Also take time to review the forums with customer input and reviews. A bit rough around the edges, the customer reviews on these sites are often short and to the point.

  • The Bargainist: This site lists both sales and coupons. Easy to use search - just type in the product you are looking for and it will check for any deals currently available. http://www.bargainist.com/
  • Cool Savings.com: A membership is required. If you don't mind printing your own coupons, this site is ideal for the busy shopper who knows what they want but does not want to sift through mailers, the newspaper and magazines to find a good deal. http://www.coolsavings.com/
  • Coupon Mom: A list of coupons, free offers and much more. A great way to search out grocery coupons. There is a membership but as with similar sites, this is free. http://www.couponmom.com/
  • Deal Catcher: Coupons, sales and rebates galore. Review sales by stores as well as by item rather than brand. http://www.dealcatcher.com/
  • Fat Wallet: The savings here can be found in the online forums. Savvy consumers share information and special deals. There is also the plethora of coupons and discounts listed by store or category. http://www.fatwallet.com/
  • RetailMeNot: A twist to the coupon frenzy, this site offers the coupons for online retailers. Many online retailers or stores with online shopping offer discounts or special deals with certain coupon codes or key words. RetailMeNot searches for these codes for you so you can use them on your next purchase. http://www.retailmenot.com/
  • SlickDeals.net: Mostly user driven, this site helps to create a community where bargain hunters can congregate and share what they have found. The latest deals page can be fun to review but you can also search for products by name. http://slickdeals.net/  

Be an educated consumer: Be more particular about the products you buy. Taking time to read reviews and learn the pros and cons others have experienced before you buy will help you choose better products that will last longer.

  • Buzzillions.com: After compiling reviews from customers that are sent to major retailers in response to the products they sell, Buzzillions then puts all those reviews together into an easy to read snapshot with an overall rating. You can then read the individual reviews from other consumers like you. http://www.buzzillions.com/
  • Epinions: This site is user driven with opinions on everything from products to entertainment. Perhaps you want to know more about a book, video game, movie or iPod? Most likely someone has given their two cents about it here. http://www0.epinions.com/
  • PriceGrabber.com: This site helps the consumer compare prices between online retailers. Many popular products also come with reviews and ratings. The price comparison also includes some of the used markets such as Amazon Marketplace. http://www.pricegrabber.com/

Rack up rewards: There are many programs out there to reward shoppers. Take the time research them and find one that works for your shopping style. If you shop online there are shopping portals that offer rewards. If you shop a little bit everywhere, consider a credit card with flexible reward points. If you shop at one store the most, get a rewards card with them. *A thing to remember with reward credit cards is that they usually come with a higher APR. It is better if you can charge and then pay immediately and not rollover this debt. That way you can get the rewards without the extra interest.

  • CreditCards.com: If you use credit wisely, then you might consider a credit card rewards program. This site offers an easy glance through some of the programs available. Also consider looking at individual card company sites. http://www.creditcards.com/reward.php
  • Ebates: An online shopping portal that received favorable reviews from some bigwigs like Good Housekeeping and CNN. Not only do you get a discount when shopping, but you can get bonuses as well. http://www.ebates.com/

Buy and barter used: Flea markets and garage sales can be great if you have the time and the weather to get one going. Maybe you don't have either? Then how about trying the same bartering and selling online? Besides the already popular eBay, you may be surprised at how many sites there are that will allow you to exchange, sell and buy cheap!

  • BarterBee.com: A site specifically geared towards recycling CDs, DVDs and computer or consol games between households. Once you sign up for a membership you list your used items for sale. Sell items to get points. You can then use those points to buy other CDs, DVDs or games that you want to try out. Of course you wouldn't use this site to make cash - points are used for like items. http://www.barterbee.com/
  • Craigslist: An online mismatch of services, used goods and announcements by city location. Here you may be able to find used items cheap. It can be the ordinary like used furniture to the not so common. For example, I once found someone who had new pavers left over from a patio project that they are willing to sell at a discount just to get them off their lawn. You may also be able to find cheap services such as yard work. However, users beware, there are no regulations on this site and you should take precautions when working with anyone on this list. This site definitely has a mixed history of great successes and terrible wrongs. Be careful. http://www.craigslist.org/about/sites
  • eBAY: One of the most popular and well known online auction stops, eBay has been around since 1995. Users have the ability to rank other users for the ease of trade transactions. Probably the biggest garage sale on the internet. http://www.ebay.com/
  • SwapThing: This site allows for consumers to trade and barter items or services. There is also the option to do flat out sales. Unlike an auction site, you can barter privately and do not have to list items for auction. You enter what you want and it will match you with others who have it available. http://www.swapthing.com/home/index.jsp

Get it FREE: There are some sites that will help you sift through the spam to get free items. Be warned that some of the free items still come with many "free" emails.

  • Coupon Mom: Already mentioned above, this site also lists ways to get free samples of many products. http://www.couponmom.com/
  • Free Shipping.org: This site lists all the free shipping deals and codes. If a site offers a free shipping offer, they have it listed. If you need a code to get free shipping, they have most of those too. http://www.freeshipping.org/
  • Hey, It's Free: This blog website run by Goob works to find out the real freebies on the internet. Goob goes out there and finds out if a site is just spamming or if there really is something for free at the end of all the forms. That wisdom is then passed on to the readers of this sarcastic but informative blog. http://www.heyitsfree.net/

Compare Insurance Carriers: It is true, if you have been accident/incident free for a while you may be able to save by switching to another insurance carrier. Every company may offer something different in incentives, but take a look and see if a switch can't save you some money this year.

  • InsWeb: Recognized by sites like Kiplinger and Forbes, this online insurance comparison site will help you by getting quotes from agents after you supply your information. http://www.insweb.com/
  • NetQuote: An insurance comparison website. You fill in the information and the agents work out your rate with their company. http://www.netquote.com/

Be your own travel agent: Consider your vacation plans carefully in advance. When shopping for tickets, shop around to more than one vendor. It is not unusual for some airlines to give better deals then the online travel agencies. If you are a spur of the moment type of traveler, you might consider researching a couple major cities before tempted by last minute weekend travel deals. Like consumer reports, travel blogs are a great way to get more information before you go. Did you know you could see an opera in Vienna for $5? Well, now you do…

  • Budget Travel: In print and online magazine from Frommer's Travel, the site also offers free articles on featured destinations, trip ideas and advice from other travelers. http://www.budgettravel.com/
  • Kayak.com: This travel search engine is different in that it does not sell you the deals, it just works to find them for you. This is one of the easiest ways to search online travel agencies (i.e. Expedia) and the travel companies (i.e. airlines). http://www.kayak.com/
  • Lonely Planet: Supplementary to the printed books, this website offers information about popular travel destinations as well as tips from other like-minded travelers. http://www.lonelyplanet.com/
  • USA.gov: Want to stay close to home but still get away? Check out the official state travel sites for the 50 United States and U.S. territories. http://www.usa.gov/Citizen/Topics/Travel_Tourism/State_Tourism.shtml

Understanding Homeowners Insurance

Many of us obtain our homeowners insurance when we purchase our home.

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Many of us obtain our homeowners insurance when we purchase our home. After this initial purchase, we do not give this insurance another thought. It is not until the roof is damaged during a violent thunderstorm, a major appliance fails and floods our basement, or the neighbor's kid slips and fractures their wrist in our living room that we dust off the policy and ask ourselves, "Am I covered for this?" Don't wait until damage or an accident happens to discover what your insurance policy covers. Instead, you should have a good idea of what you are covered for and what is not included. Every year you should assess if your coverage should increase or if there is any optional coverage you may want to add. The purpose of this article is to point out some general characteristics of homeowners insurance and help in determining if you have the right coverage. Obviously this cannot substitute for a consultation with your insurance provider, but it will give you a better idea of what questions to ask. Image of home, crutches and turning road sign.

There are five popular topics concerning homeowners insurance that we will discuss below: types of damage covered, determining replacement cost, determining personal property value, understanding liability coverage, and ways to save money on your policy.

Homeowner insurance policies typically cover damages such as: fire and smoke damage, storm damage (i.e. lightening, wind, hail, ice and snow), water damage (other than flooding as this is separate), explosion, vandalism, theft (some companies are now offering an identity theft coverage option as well), civil unrest, and damage by aircraft and vehicles. You should discuss with your insurance provider any additional hazards you may face in your location such as earthquakes or floods. There may also be hazards you are not immediately aware of that could effect your insurance cost such as your neighborhood crime rate or if you own a Flood damage is not covered by homeowner insurance. The National Flood Insurance Program is a partnership between FEMA and isnurance companies that offers coverage. Click here for more.pet that is considered to be a high liability risk (i.e. certain breeds of dogs). Depending on the probability of need, you may be required to get additional coverage for these hazards by your insurance carrier and/or mortgage lender. To find out about special hazards in your area, talk with your insurance provider or contact your state insurance commissioner. If you run a home business, you will need to get separate insurance to cover business items such as computers and liability, i.e. if you run a daycare, your standard homeowners will not cover any accidents. Other items that are not covered by your homeowners insurance but may be covered by additional or alternate policies are: tenants, multiple family dwellings, land, theft by those covered in your insurance policy (i.e. recently separated spouses), and cars. Take a look at your policy and review your coverage. Consider how you use your home or where your home is located. Do you need additional or special coverage? This is a question you should review every year.

When choosing a policy, it is important that you consider the replacement cost of your home. The replacement cost is the amount it would take to replace your home. Replacement cost is not the same as the market value of your home as the market value includes the property it stands on and the current housing market. Because of this, it may not be equal to your outstanding mortgage. You can get estimates for replacement cost from appraisers, your local builder/craftsmen association or your insurance agent. Once you have determined how much your home replacement cost should be, you should review it and make any needed adjustments every Condos usually have a Master Policy that covers liability and property for common grounds. Individual policies then supplement personal property, liability and immediate structure.year. Most insurance companies will include an increase of coverage every year to match inflation. However, other items may also require you to adjust your replacement cost. Major remodels to your kitchen or bathroom or room additions can drastically effect the replacement cost of your home. If you use special materials or there is a housing boom making building materials scarce in your area, these too may affect your replacement cost. Another item that may effect your replacement cost is the change in building codes since when the house was built. Even with partial damage, it may be necessary to take the whole area/structure down to bring it up to code. If you own an older home, you should definitely discuss this with your agent. You may also get an extended replacement policy that will help you if your replacement coverage is below what you need. However, it is more economical if you take the time to review your policy and change your replacement cost coverage each year. Finally, keep in mind your policy should also include coverage for living expenses while the home is rebuilt or repaired. With the structure insured for major repairs, you can now consider your possessions.

Determining the personal property value depends on how much time the homeowner wants to invest in itemizing their property. Traditionally, most homeowners are covered at 50% of their home's value to cover personal property. Some pay a bit extra and get 75% of the homes value. Replacement costs like this cover like items, not necessarily the same make and model. You can also make an itemized actual cash value list that will cover items' actual cost minus depreciation. Many opt for percentage replacement coverage and then add a "floater" that will cover individual inventoried items. Major items should be inventoried with make, model, original cost, and documentation by picture or video. Items like jewelry and antiques should also have an appraisal. The documentation of these items should be kept in a secure location like a safe deposit box or a fireproof safe. Even if you opt for the general 50% coverage, you should have a list of your most valued possessions in case theft as this may help in tracking the items down (see more in our Home Security article).

Liability coverage protects you, your family, house guests and pets if they should accidentally hurt someone on your property or hurt someone or damage property elsewhere. On average, liability insurance usually covers up to $100,000 per incident. However, with lawyer and medical costs high these days, many homeowners also add an umbrella which allows for greater coverage at reasonable rates. Although most think of medical coverage as part of their liability coverage, it is actually categorized separate from liability because it pays for minor injuries that do not need to prove fault or negligence to be covered. An example would be someone twisting their ankle at your home. Liability is an important coverage that you will want to discuss with your agent.

Finally, there are a few things you may do to ease the cost of homeowners insurance. One way to lower your overall insurance cost is if you know you can take a higher deductible. If you can pay $500-1000 instead of $300 for each instance, this will lower your premium. Some decide to do this as the probability is that they will not claim or use the insurance very often. In addition to this, you may also pay your premium in larger and fewer payments. Another method to lower costs is to itemize your insurance to only the hazards you think most probable to happen. However, this option may not be available if you still owe a mortgage as the mortgage company may want more inclusive coverage. Also, you may check and see if there are any improvements you make to the home that may reduce your premium. Installing a home security system for example. Finally, combining policies with one carrier will also help you get lower premiums. If you combine your home, auto and life insurance policies, many companies will give you a preferred rate. Talk with your agent for further ways you may able to save money but maintain sound coverage on your home.

Conclusion
     There are a lot of options for your homeowner's insurance policy.  When setting up a policy, shop around and talk to different insurance companies to find one that works well with you.  Find out if they have a good reputation with the state insurance commissioner and consumer reports.  Find one that is fast, offers great service and handles claims fairly (you don't want to end up with a company that argues every claim).  Hopefully this overview has helped equip you with a better idea of the coverage you may need for your home.  You should have a better idea what to look for in a policy when you contact an agent to set up your homeowner's insurance.

More Resources

Household Checklist

There are a number of checklists available online; many are available from individual insurance providers. We found the following booklet from the University of Illinois to be the most comprehensive. www.ag.uiuc.edu/%7Evista/abstracts/ahouseinv.html

Household Papers/Records:
Taken from our earlier article about Home Security, here again is a checklist of important papers you should safeguard and how long you should keep them:
- Keep in Safe Deposit Box/Fireproof Safe: Birth certificates, marriage certificates, divorce legal papers, adoption papers, citizenship records, and other documents that are government or court related. A copy of a will, although your attorney will keep the original. Investment and business papers, government bonds, deeds, titles and copyrights to name a few more. General rule is, "Put it in if you can't replace it or if it would be costly or troublesome to replace."
- Taxes: IRS can audit up to 6 years back. However, you can get rid of pay stubs if you have your W2. Cancelled checks you will want to keep if they are related to anything you claimed on your tax return.
- Medical Bills: Keep at least 3 years.
- Household Inventory: You should have a comprehensive list for each room and what of importance is in there. This will help you claim losses in event of burglary or fire. The details of this list should be shared with your insurance carrier to make sure of coverage. It is recommended that you review this list once every 6 months.
- Deposit, ATM, Credit Card and Debit Card Receipts: Save them until the transaction appears on your statement and you've verified that the information is accurate. Then they may be shredded.
- Credit Card Statements: If there are not purchases related to taxes you may shred them once every year. However, if you have larger purchases on the card you may want to keep hold of these older statements. Special Note: Credit Card Agreements should be kept as long as the card is active!
- Loan Agreements: Keep as long as the loan is active.
- Documentation of Stocks, Bonds nd Other Investments: Keep while you own the investment and then 7 years after that.

Useful Links

National Association of Insurance Commissioners
www.naic.org FEMA: Homeowners and Renters www.fema.gov/individual/home.shtm

Galvanized Pipes in Older Homes

My husband and I are buying an 80 year old home in Columbia, South Carolina, but we are not sure about the galvanized water pipes under the house, What is the life expectancy of these pipes?

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Galvanized pipes have a general life expectancy of 50 years, but this can be shortened considerably by the amount of minerals in the water supply. Columbia has naturally soft water, and galvanized pipes here tend to last longer. Other areas of the country such as Southern California have rather hard water, and as a consequence, galvanized pipes won’t last as long there. Two things happen to galvanized pipes as they age.

First, minerals tend to slowly build up on the inner walls of the pipe decreasing the inside diameter. In extreme cases, this can slow the water flow to a trickle.

The other common problem with galvanized pipes is corrosion at the joints. In the process of cutting the threads for the pipe fittings, the protective galvanizing is cut away exposing bare metal. Over time, these threaded joints will corrode and eventually break. In the case of your 80 year old house, if the pipes are original I would definitely consider replacing them. If you are not sure how old they are, I recommend that a qualified home inspector examine them and look for signs of corrosion at the fittings, and check for low water flow at all of the faucets.

More Spooky Vacations

Haunted Hotels, Inns and Castles!

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Today thrill seekers can go skydiving, cliff jumping, white water rafting or paragliding, just to name a few. Looking for a little adventure, but it's too wet outside to play? Why not snuggle indoors and thrill your imagination with a haunted vacation? Many hotels, inns, and even castles offer spooky weekend getaways. Perhaps a friendly ghost will fold your clothes and lay them out on the bed; a mischievous one might turn on the lights and radio at 2:00AM; or perhaps one with a chip on his shoulder might give you a little "bump in the night" to remind you he's there. You might find it a good laugh or a little fun to shake up the fall and winter humdrums. Below we have expanded a short list of haunted places to stay. We tried to collect from across the US and added in a few international destinations just in case you wanted a ghost with an accent! Enjoy and have some fun! International Haunts: Ireland: Ross Castle | United Kingdom - England: The Feathers Hotel | Scotland: Comlongon Castle | Wales: Ruthin Castle Alabama - Birmingham: The Tutwiler Hotel The History: The original hotel was built in 1914. This hotel was the grandest in the south for its age. Financed by Colonel Tutwiler, its luxury was meant to entice the American and Steel Institute to host its annual convention in Birmingham. Although the original hotel was imploded in 1974, the Ridgley Apartments, also owned by Tutwiler at their inception, was renovated in 1986 as the new Tutwiler Hotel. Either way, the good Colonel owned these buildings, and wanted to keep them for good... The Haunting: Colonel Tutwiler himself haunts this establishment. As long as you mind your P&Qs he will generally leave you alone. He likes to turn on the lights and stoves every night. The staff learned that if they politely ask him to turn everything off, he has been quite obliging. Of course after a renovation in 2007, there does not seem to be as much ghostly activity. Or perhaps the Colonel is just biding his time... How to see it: Although this building is about a century old, it recently received a $9.2 million facelift in 2007 - so all the creature comforts are here. To spend the night, click here. Alaska - Anchorage: Historic Anchorage Hotel The History: The original Anchorage Hotel was established in 1916. In 1936, an Annex was added to accommodate the growing population of visitors. It is this Annex that is now the current hotel and was recently renovated in 1989. Some of the most famous guests include Will Rogers, Wiley Post and artist Sydney Laurence. The Haunting: This is the place to "see" a lot of ghost happenings. Supposedly specters are seen in the halls and objects like to move on their own. TVs turn on and off and faucets are left running by the spirited guests. There is not a particular story other than an abandoned bride, who took her own life when her husband-to-be got cold feet. There is also reportedly a man who walks up and down the stairs, but his reason for staying around is unknown. How to see it: Although a ghost log is not available online, it is rumored to exist - why not check it out in person. All the modern amenities are available to guests. To find out more about spending the night, click here. Arizona - Jerome: Jerome Grand Hotel The History: Built in 1926, this building was originally the United Verde Hospital. The hospital was built to be fireproof and withstand blasts from the dynamite mining nearby. One of the best hospitals in the west, it unfortunately was phased out when the mining in the area began to slow down and closed by 1950. The building stood empty until 1994; it had been a time capsule and was unchanged for 44 years. It is now being restored as a hotel with many of the rooms already completed and open for guests. The Haunting: Being a hospital, there were many patients that perished in its walls. However, there were deaths of two orderlies that many believed was murder. There is also one recorded suicide. When the building lay dormant for 44 years, locals claimed they would still see lights burning in the vacant building. Since being reopen, more paranormal activities have been noticed. The most common is for guests to feel temperature drops and hear coughing or labored breathing in empty rooms or corners of their own guestroom. One ghost is said to be a woman who died in childbirth. She is upset that her child was buried in an unmarked grave and prowls the grounds looking for the babe. How to see it: You may stay in the hotel today. Room rates begin at $110 and go up from there. Being the highest point in the Verde Valley, it offers some great views. And if you're lucky, maybe a glance at a ghost or two! To spend the night, click here. Arkansas - Eureka Springs: Crescent Hotel The History: Founded in 1886, the Crescent Hotel started its career as a sleek and elegant hideaway for the Victorian wealthy. However, not able to stay afloat the hotel closed. It was reopened in 1908 as the Crescent College and Conservatory for Young Women. But this school closed in 1924. In 1937 it was opened as a hospital and health resort. Norman Baker claimed to have a cure for cancer but was met with scrutiny as it came to light that he had no medical education. He was later imprisoned on mail fraud. It wasn't until 1946 that efforts were made to reestablish the hotel. The Haunting: Perhaps the fresh spring water under the hotel attracts spirits thirsting for a little human interaction. This hotel has many different haunted areas from guest rooms, to the lobby, to the grounds. Guests have seen a women in the hall, a tall man knocking on the doors, and former cancer patients and nurses to name a few. A long list of guest experiences can be found at the hotel's ghost website. How to see it: The hotel offers history tours for groups of 10 or more. Ghost tours are available by Eureka Springs Ghost Tours. For reservations and more information click here. California - San Diego: Hotel Del Coronado The History: Babcock and Story built this resort to be the "talk of the Western world" in 1888. Since then it was visited by presidents, foreign dignitaries, celebrities and heroes like Charles Lindbergh and Thomas Edison. The hotel was famous as a backdrop for "Some Like It Hot" starring Marilyn Monroe, Tony Curtis and Jack Lemmon. The Haunting: According to the hotel website, the tales of ghosts started with the untimely death of Kate Morgan. She was a guest in November 1892 that never left. She came to meet her estranged husband but he never showed. Kate was then found dead on the hotel steps leading to the ocean. She died of a gunshot wound to the head that was officially deemed a suicide. To this day some speculate it was murder. She likes to slam doors and randomly turn on the TV. Some have also seen an indentation in the sheets as if someone was sleeping there. There are other ghosts in the hotel as well that love to flicker the lights, provide cold spots and make some random noises. How to see it: Of course you can stay at this stunning resort and enjoy the spa, golf course, pool or take some surfing lessons. To find out more click here (Kate's room was 312, then renumbered to 3312 and now to 3327 - check with staff to verify your request). Long Beach: The Queen Mary The History: Her maiden voyage was May 27, 1936 but with the coming of WWII she was refitted and used as a troop ship housing 5500 souls by May 5, 1940. By the end of the war she was used to transport as many as 12,886 war brides and children from Europe to the U.S. and Canada on six voyages in four months. More war bride voyages would follow. It became a cruise ship in 1963. By 1967 it was purchased for Long Beach, CA to act as restaurant and museum with the first hotel rooms opening in 1972. The Haunting: The first class swimming pool has the most recorded ghost sightings and noises. Many women dressed in 1930 swimsuits have been sighted. But the spirits like to wander and have been seen in many parts of the ship - especially the engine room where two men were crushed to death by the heavy "Door 13". Those who take the self-guided walking tour of the ship have been spooked more than once! How to see it: Brave enough? Click here to find out how to spend the night and sign up for one of the Attractions @ Night tours including the Paranormal Shipwalk Tour, the Paranormal Investigation Tour, the Dining with the Spirits (Dinner and Tour), or the Twilight Historical Tour. The tours are technically enhanced to make certain you get a few jumps and spooks. The hotel also hosts a 'Terrorfest' of haunted mazes on Halloween. Colorado - Estes Park: The Stanley Hotel The History: Six miles from the Rocky Mountain National Park, this hotel has amazing views and offers a serene escape. F.O. Stanley created this hotel after moving to the west when forced to by poor health. Besides the hotel he helped to create the sewer, power and water supply for the area. A recent claim to fame is that a stay in this hotel inspired Stephen King's The Shining. The Haunting: Both F.O. and his wife Flora haunt the hotel. They are amicable ghosts that enjoy hanging about the rooms they loved so much such as the Billiard room and Ballroom. Rooms 407 and 418 have reputed activity of lights going on and off, noises and of course rascally kids playing in the nearby hallway. One story relates some guests checked out early as the kids playing in the hall kept them up all night. When the hotel staff looked at the register there were not any kids as guests (at least not any live ones!). How to see it: Not only can you spend the night but you can sign up for a Historic Ghost Tour that tells you all the history that has created a haunted playground. The hotel has fun with the reputation, click here for more information. Connecticut - New London: Lighthouse Inn The History: Originally known as Meadow Court, this home was a summer retreat for Charles Guthrie. Built in 1902, it was turned into an Inn in 1927. Among such famous guests as Bette Davis and Joan Crawford was Harry Rodvogin, a resident artist who lived at the Inn after his old friends Bill and Al Ronnick spotted him painting portraits on the street. Rodvogin is now recognized for the paintings he created and you can see his work in the local museums. The Haunting: One guest who hasn't left is the spirit of a bride who died falling down the main stairway on her wedding day. But she is rather harmless, she hangs out in guestrooms reading a book or walks around the halls looking a bit forlorn. Strange noises are also heard around the Inn on occasion but shouldn't disrupt a good nights sleep. How to see it: This Inn is now a resort offering such amenities as its own private beach and in-room spa services. To make your reservations, click here. Delaware - Bethany Beach: The Addy Sea The History: Built in 1902 by John Addy, this Inn was originally a family residence. After a wicked storm in 1927, the house was actually moved further back from the seashore. The original foundations were used as a BBQ pit and hang out until they were covered by sand over time. John Addy was a plumbing supplier and made the Addy house and his neighbors homes some of the most efficient and convenient in the area. This made it popular when it first became a boarding house in 1935. The boarding house was run by the Addy family until it was sold in 1975. The Haunting: Room 1 had a haunted copper tub - well until it went missing. The original Victorian tub was originally used by the Addy family. During renovations in the 1980s the tub was stored in a garage but went missing. The thief may have gotten more then they expected as the bathtub is supposedly haunted and rocks and shakes violently at times. But no fear, even with the haunted bathtub gone, there are still specters wandering the halls, random sounds and footsteps, strange whiffs of perfume and even haunting music all keeping the place "spiritually" active. How to see it: Enjoy the Victorian trappings, walk the beach or sit on the veranda on a rocking chair - who knows, maybe the empty one next to you will rock too? To find out more about staying, click here. Florida - St Petersburg: Renaissance Vinoy Hotel The History: Built in 1925, this resort quickly became a popular hotspot for the who's who of Hollywood and the sports world. After WWII the hotel was sold and became a St Petersburg social center, however it started to decline and was closed in 1974. After an extensive $93 million renovation in the late 1990s, the hotel was able to reopen with its original splendor and the ghosts came out to play. The Haunting: This hotel has ghosts aplenty that like to bug staff and guests alike. However, many of the stories of tragic fires and suicides are not seen in the hotels history. But that doesn't stop the ghosts from coming. Scott Williamson of the Cincinnati Reds tells a chilling tale of being pushed down into his bed by a male ghost from the past who shared the same last name! Other baseball players and coaches have reported seeing apparitions, randomly opening doors, faucets with minds of their own and even paintings coming to life - to name a few - for the full tales, click here. Of course I like the story of the historian giving a tour to a group of kids. When asked if the place is haunted, the historian said the 5th was supposedly. On cue, the elevator they were in suddenly went to the 5th floor and opened to an empty hall, no one was there and there is no explanation about why the elevator went there. Recently the TV show Ghost Hunters on SyFy reviewed this hotel. A clip of it may be seen at YouTube, click here. How to see it: Now owned by Marriott, you can learn more about accommodations and fun local activities (including a private marina and an on-site golf course) by clicking here. Georgia - Savannah: 17-hundred-90 Inn The History: This inn was actually built in 1820, not 1790. First a boarding house and later an inn, this home has had many owners and guests. One of these guests was Anne Powell. The legend says she was unhappily married at sixteen to an Englishman. She fell in love with a German sailor who left her "in the family way." She watched his boat sail away and then committed suicide by jumping from the window, landing on the brick pavement below. The Haunting: Anne Powell is the most famous ghost, believed to haunt guest room 204 from where it is said she jumped to her death. She doesn't seem to be a menacing spirit: she sits beside the fire, lays out guests' clothes on the bed or plays pranks on guests waking them up in wee hours of the morning by setting off the radio alarm. Another ghost in the basement kitchen and restaurant doesn't like women very much and likes to shove them around. But this ghost is countered by the ghost of a merchant marine who will help the staff turn the lights off at closing. How to see it: Savannah ghost tours stop here for a drink but you can go to the restaurant yourself and have a bite to eat. Or if you really dare, spend the night instead - ask for room 204! Savannah: Kehoe House The History: This home was built in 1892 for William Kehoe and his family. The large family (they had 10 children!) kept the home until 1930. After that the home became a boarding house, funeral parlor, and a private residence. In 1992 the home opened as a B&B, it changed ownership in 2003, but remains an inn with a B&B atmosphere. The Haunting: The main tragedy of the house (that we know of) was the death of the Kehoe twins who died when playing around the chimney. Children can be heard running the halls and some guests have even had children check in on them in their rooms. But if you don't see the children, their mother Annie is reputed to still wander the rooms, making sure to tuck in all the guests at night! How to see it: Why not spend the night? Ask for rooms 201 or 203. For more information, click here. Hawaii - Kailua-Kona: King Kamehameha's Kona Beach Hotel The History: King Kamehameha lived on this same site until his death in 1819. The hotel just recently went through a major remodel in 2008 - perhaps the ghosts like the new surroundings? The Haunting: Guests claim to have seen or heard an ancient warrior on the upper floor of this hotel. He seems to shout want guests describe as "war cries." King Kamehameha spent his last years on this property and may be buried on the grounds or under the hotel itself. How to see it: This hotel is proud of its surrounding history and displays portraits and artifacts from past Hawaiian royalty and warriors alike. To find out more about spending the night, click here. Idaho - Boise: Owyhee Plaza Hotel The History: Yikes - built in 1910 is about all we could find. So we'll guess that the ghosts are the garden variety scorned lovers, accident prone brides/grooms, restless owners or ex-staff that can't leave or something along those lines ;) The Haunting: Guests who stay in the main building have reported seeing spirits in their rooms. Staff have seen ghosts run though other areas such as meeting rooms and in the basement. How to see it: Unfortunately, there are not that many haunted hotels in Idaho. So don't miss you chance to check one out in every state and make the Owyhee Plaza your next stop! Click here for more information. Illinois - Okawville: Original Springs Mineral Spa & Hotel The History: In 1867 a saddler named Rudolph Plegge noticed water from his well wasn't "normal." After various tests it was discovered to be a spring with magnesia in the water. Plegge used the springs to launch a healing bath much like the ones he knew from Baden Baden, Germany. However, a real hotel wasn't built until 1885. Sadly, in 1892 all the buildings burned. The hotel was rebuilt with the latest and greatest and has undergone several renovations. Continuing as a Mineral Spa, guests were encouraged to drink up (the water) for their good health. The Haunting: Guests have seen ghosts in their rooms. Staff sometimes hear unexplained noises in empty rooms or feel like they are being watched. There are two suicides in the hotel's history and another owner was found dead in one of the upstairs rooms. Charlie Birger and the Shelton brothers were gangsters who took a liking to the place in the 1920's - perhaps they liked it too much? There is also music that leaks through time and walls. Or maybe there is just something in the water... How to see it: Now the spa includes everything from Swedish message to pedicures. Want to check in? Click here to find out how. Indiana - Nashville: The Story Inn The History: This historic inn is located at the boarders of Brown County State Park and Hoosier National Forest. This inn and its collection of buildings is actually what remains of the town of Story that was established in 1851, set up as a lodging community. The Haunting: The Story Inn is haunted by a lady in blue who floats about the second floor of the general store that has been turned into guestrooms. There has also been activity in the restaurant below. A guestbook details the experiences of the spooked over the years. How to see it: Snuggle in for the night. If you don't want a ghost watching over you there are other cabins available in this small community. Click here to find out more. Iowa - Bentensport: Mason House Inn The History: This hotel was built in 1846 for steamboat travelers along the Des Moines River. Later, the Mason House was used as a 'holding hospital' during the Civil War for soldiers being transferred to Keokuk. It also served as a 'station' along the underground railroad. Mason House gets its name from the Mason family who owned the property for 99 years. The Haunting: Three of the owners have died in the building and there was also one murder in one of the guest rooms. In 1860 poor Mr. Knapp had been drinking and accidentally went to the wrong room. The occupant thought he was being robbed and stabbed Mr. Knapp in self-defense. The home had also been a 'holding hospital' in the Civil War and some patients may have died in the home. Also a Doctor renting a room in the 1940s died in the building. All in all, a great hangout for ghosts. The ghosts come in many forms. There are wisps of fog and cold spots to actual figures who appear and disappear from sight. There is a boy that plays tricks; he likes to rustle sheets and tug at guests as they sleep. There are footsteps, thuds and a woman in white. An abundance of ghosts and paranormal events for all! How to see it: Today you may stay at this B&B for about $80/night ($125 if you are staying in the restored caboose!). Request to stay in the main house on the 2nd floor (rooms 5 & 7) for the best chance of paranormal dreams! Ghost Hunting 101 and 102 classes are also available about twice a year and a Halloween Ghost Walk around Oct 31st. To spend the night, click here. Kansas - Beaumont: Beaumont Hotel The History: First opened as a stagecoach station in 1879, there has been bed and board here to care for weary travelers ever since. Of course when named the Summit Hotel in 1890, the cattle barons stayed indoors while the cowboys had to make camp outside. Later the hotel changed hands quite a few times but stayed open. In the 1950s an airstrip was added and flight enthusiasts still make the Beaumont a destination to visit today. The Haunting: Apparently it is a cowboy named Zeke who haunts the halls here. Legend has it that the hotel owner's wife ran a small brothel in the hotel. She became fond of one of her clients named Zeke. The husband found out it was not longer strictly business, became jealous, and shot Zeke dead. Zeke now likes to move furniture and set off alarm clocks in the middle of the night. Some have heard spurs jingling. And Zeke is one of those who likes to go "bump in the night" and has been heard thumping the walls now and then as well. How to see it: Not only equipped with its own airstrip, the hotel also sits next to a 10,000 acre cattle ranch. If you don't want to eat in the cafe indoors, take a wagon ride and try a campfire cookout. To find out more, click here. Kentucky - Bardstown: The Old Talbott Tavern The History: This establishment has been called the oldest western stagecoach stop in America. It started service in 1779 and reportedly boarded such famous tenants as Daniel Boone, Abraham Lincoln, Jesse James and even the French King Louis Phillipe. Used as a stagecoach and Pony Express station, it has seen a lot of coming and going. There was a large fire in 1998 which the hotel is still recovering from; however, they are still open for business. Amazingly, the fire uncovered underground tunnels, secret storage rooms and an old staircase that seems to go nowhere. The Haunting: People have reported seeing a women in a white dress - perhaps Mrs. Talbott herself. Another dark figure of a male has also been seen. The tragic deaths of the Talbott children may lead to some of the energy present. Out of 12 children, 4 died of illness, one died falling down the stairs and another took her life because of a broken heart. There are many pranks that happen such as keys being hidden or items moved around. Others have seen mist form in rooms. How to see it: This hotel has fun with its reputation and offers a Ghost Hunting Getaway Weekend with local ghost chaser Patti Star. Patti worked as the hotel's manager for three years and has become very well acquainted with the "residents." If you want to stay always book ahead, only five rooms are available. To book, click here. Louisiana - New Orleans: Magnolia Mansion The History: This home was built in 1857 by Alexander Harris. After Alexander died of yellow fever his widow remarried and sold the home to the Maginnis family. John Maginnis owned a cotton mill and it was whispered he was struck by lightning because of the cruel way he treated his employees. In 1939, John's daughter inherited the home and willed it to the Red Cross. The Red Cross used the home to train nurses for WWII and the Korean War. In 1954 the home was again sold into private ownership. Magnolia Mansion was renovated in 2001 and opened as a B&B in 2002. The Haunting: When renovating the home, the crew had to stop as an oily substance appeared over the walls. The owner then verbalized her plans for the place out loud so the ghosts would know exactly what she was up to. She told them she was improving the home and the ghosts would not be able to scare the guests away. This appeased them for awhile. However, ghosts are still reputed to slam doors and snuggle into bed with guests on occasion. Many guests have photos of orbs and a few extra faces from their visits as well. How to see it: This adult catering B&B offers a great escape to any non-smoker over 21 years of age. Specializing in romance with Elopement and Wedding packages, the B&B also has fun with their ghosts offering a Romantic Ghostly Getaway Package which includes a room, treats and ghost walking tours. For more information, click here. St Francisville: Myrtles Plantation The History: This home was built by David Bradford in 1794 but stories of haunting did not start until the 1950's. The house had a long history with many different owners. There is only one recorded murder of William Winter in 1871. However, there are many tales that are told about the home to justify the haunting. Most of these seem to be fabricated tales, but many say that is just because the house is so haunted, people needed to make up some kind of explanation. The Haunting: Among the haunting activity is the ghost of a woman in a green turban who some believe to be the ghost of a slave killed for poisoning the head mistress and her two daughters. Others claim this ghost is not a young slave but an older, unknown woman. There is also a little girl who has appeared as well as a frustrated piano player who continuously practices the same cord over and over on the old piano. How to see it: You can dine in the restaurant, take a tour or spend the night. The choice is up to you. Click here for more information. Maine - Searsport: Watchtide The History: Built in the early 1790s, ownership transferred to Brigadier General Henry Knox in 1794. He was a trusted ally to George Washington and was the first Secretary of War for the U.S. After General Knox sold the property, it went through many owners, many of them sea captains who were involved in the shipping industry of the area. The house was an inn starting in 1917 to the 1940s when it then became a private home again. In 1994, the inn reopened and is still family operated today. The Haunting: Guests and a previous owner have reported seeing phantoms in period appropriate dress floating around the home. There are reports of music heard without a "source." Footsteps have also been heard. However, the new B&B owner says there does not seem to be as much activity of late. Perhaps it was the recent remodel that chased away or appeased the spirits. How to see it: Recently renovated, this B&B offers a great quiet getaway as well as easy access to many of the great sites around Maine. To make your reservation, click here. Maryland - Baltimore: Radisson Plaza Lord Baltimore The History: This Art Deco building was built in 1928. The hotel was named after George Calvert, Lord Baltimore who was the founder of the Maryland colony. This hotel was placed on the list of National Register of Historic Places in 1982 and although it has modern amenities, it keeps its historic setting with elegant furnishings and murals. The Haunting: There is a young girl in a cream dress and black shoes that has been spotted playing with a red ball or crying in the guestrooms. Supposedly a women committed suicide on the 19th floor. The elevator will go between the 19th floor and lobby with no one there to push the buttons. How to see it: To make your reservation and check in for the night, click here. Massachusetts - Fall River: Lizzy Borden House The History: As with so many haunted homes, this story begins with a murder. On the morning of August 4, 1892, Andrew and Abby Borden were murdered by ax in their home. Their eldest daughter, Lizzy, was tried and latter acquitted of the murders. However, she was ostracized from the community for the rest of her life. Some consider that she had a split personality, even those close to her recall erratic and violent behavior. And of course there was the creation of the rhyme: Lizzie Borden took an ax Gave her mother forty whacks; When she saw what she had done Gave her father forty-one! The Haunting: There is a strange woman who tucks guests into bed and perhaps the same woman can be heard weeping in the night. Objects move on their own and electrical equipment such as lights and cameras have some interference. Many claim the most active room is Lizzy's old bedroom - which you can stay in if you want... How to see it: The home is now a bed and breakfast. You may spend the night, take a tour or even spend a weekend at Ghost Hunter University! To find out more, click here. Michigan - Marquette: The Landmark Inn The History: Although the hotel was started in 1917, it was not finished until 1930 as various investors worked things out. (It was during this time that legend has it the brothel girl met her untimely end - see below.) The hotel closed in 1982 as it was sadly outdated, however, after a large renovation project, it reopened in 1995. The Haunting: A 30 year old librarian was saved from spinsterhood when she fell in love with a sailor who worked on the ore boats. However, his boat was caught in a storm and all died. The librarian, who was staying at the Landmark Inn with him until they could be wed, refused to eat and soon after died. She now is often seen on the 6th floor, looking out the window for her love to return. During the construction of the hotel (1917-1930!), a makeshift brothel and bar were open. It was thought one of the girls was using her time with the men to influence their politics. Enraged, a drunk patron killed her and disposed of her body in an unfinished section of the hotel. She can still be heard crying for someone to dig her out. The lilac room seems to have the most activity for guests. In fact, even when the room is not rented, the phone from the room calls the front desk, with nothing to say.... How to see it: Stay in the lilac room if you're brave. Or have a drink in the haunted North Star lounge. To find out more, click here. Minnesota - Annandale: Thayer's Historic B&B The History: The Thayer Inn was already established when Gus Thayer and his wife Caroline settled in to manage the place around 1889. The B&B was put on the National Register of Historic Places in 1976. The Haunting: Both Gus and Caroline haunt the place. Gus will leave pennies for guests. A picture of Caroline is said to change depending on her mood. There are also ghost cats that nibble at your feet and make a general mess with yarn. How to see it: Having a lot of fun with its haunted guests, this B&B offers ghost tours, mystery dinners and is owned by a psychic! Instead of spa services, you can order from a laundry list of psychic services from palm reading to past life regressions. To find out more, click here. Mississippi - Natchez: Monmouth Plantation The History: Originally built in 1818, the mansion was purchased by General Quitman, a Mexican War hero, in 1826. The home was almost burned to the ground during the Civil War when the Union won this area of Mississippi. However, Quitman's daughters pleaded loyalty to the Union to save their home (their father was a staunch secessionist). The house stayed in the family until 1914. The home then went into disrepair until it was recently restored after 1978. The Haunting: The General himself stomps around the halls and makes many feel his presence as guests and staff cannot shake the thought that someone is staring at them. He also shows up as a specter to let all know he has an eye on things. Since the new owners have restored the home to its antebellum decor, there seems to be less stomping by the imposing General. How to see it: Regardless of the haunts, this hotel offers luxury accommodation and a great escape. To find out more, click here. Missouri - St. Louis: Lemp Mansion The History: This house was purchased by William Lemp around 1864 to use as a residence and office for the family brewery. William's father had used a family recipe/method to create a lager beer. This beer quickly became popular and William's father abandoned his grocery store to become a full time brewer. The beer continued to be made by the family until 1922 when family mishap and prohibition forced them to shut down and sell for good. The mansion itself has a sorrowful history with one brother dying under mysterious circumstances and three other men of the family committing suicide inside. The Haunting: With three suicides one can easily guess where the idea of ghosts haunting the mansion started. However, the families odd history also adds fuel to the imagination. There is the rumor that William Lemp had an illegitimate son with down syndrome who was kept hidden in the mansion attic his whole life. He is now said to be seen haunting the mansion and has the nickname "Monkey Face Boy." Tales of haunting first started after 1949 when the mansion was sold and turned into a boarding house. Strange knocking and footsteps throughout the mansion scared the tenants away so the house started to run into disrepair. In 1975, the mansion was saved and renovated and turned into a restaurant and inn. All types of sights and sounds have continued and are still reported today. How to see it: Spend the night! Or take a tour if you're too scared... The mansion is a bed and breakfast that offers tours and a restaurant to those who don't want to spend the night. They also host a Halloween Party and Murder Mystery Dinner Theater. To find out more click here. Montana - Pray: Chico Hot Springs Resort & Day Spa The History: In 1894 Percie and Bill Knowles inherited a home near the hot springs and opened their doors as a boarding house as there were not any accommodations in the area yet. They built a hotel in 1900. In 1912, Percie teamed with Dr. Townsend and turned the hotel into a hospital. It would remain a hospital until the 1940s when it would begin to change hands. In 1974, it was renovated and again opened as a B&B. The Haunting: There is a woman in white who likes to wander the halls and spook the security guards. She also likes room 349 where she makes sure the rocking chair is always facing the window. Many think it is Percie making certain everyone is minding their manners and running her hotel/hospital efficiently. How to see it: Relax your spooked nerves in the day spa or natural hot springs. Or get some more adventure on a trail ride or a dog sled trek in the winter. To find out more, click here. Nebraska - Chadron: Olde Main Street Inn The History: This hotel was built at the end of the 19th century. Over a hundred years old it is now a family run (3 generations) B&B who first took ownership in 1969. The most famous story associated with the hotel is that it housed General Nelson Miles and his men before the Wounded Knee Massacre in December of 1890. The Haunting: There is a heavy footed ghost named Jack who stomps up and down the halls and stairs. General Nelson Miles and his men stayed here before the Wounded Knee Massacre. He was a pacer - perhaps the footsteps are Nelson's and not Jack's. How to see it: You can grab a drink at the saloon or stay the night. To find out more, click here. Nevada - Gold Hill: Gold Hill Hotel The History: Most likely this hotel was built in 1859 and is considered the oldest hotel in Nevada. Early in the 1860s the hotel was expanded as business was booming around the combined gold mining towns of Gold Hill and Virginia City. The boom ended after the 1870s and by 1930 only a few hundred people lived in this area. The Gold Hill Hotel fell into disrepair after the 1950s and went through major renovation in 1986. The Haunting: Being so close to the mine shafts, it is believed many of the miner spirits still visit the hotel. The nearby Yellow Jacket mineshaft opens right next to the hotel. A fire in 1873 killed 37 miners in this shaft. Footsteps are heard, and strong smells of cigar smoke and rose water perfume are often present with ghosts William and Rosie respectively. How to see it: This hotel offers rooms as well as lodges made from older buildings around the hotel. Take your pick and enjoy! To find out more, click here. New Hampshire - Durham: Three Chimneys Inn The History: The Three Chimneys Inn was built in 1649 as a residence for Valentine Hill. The home was used during the Revolutionary War to house munitions stolen from the British. The house stayed relatively privately owned and within about four different families. Extensive renovations were done recently in the 1990s. The Haunting: It is possible one of the ghosts is that of Hill's daughter, Hannah, who drowned nearby. Hannah seems to like to hang out in the dining areas and there is an unidentified gentleman spirit that hangs out there as well. The spirits here like to play with electrical equipment - many things just don't work in certain rooms. Furniture will be heard moving about in guestrooms where no one is staying. Also, there will be music heard from the dining rooms. The gentleman has been heard stomping around pacing and one of the spirits even shattered a water glass in the dining hall while dinner was being served. How to see it: Although built in the 17th century, you won't have to rough it here. An elegant stay along the coast and you might get to meet Hannah as well. Click here for more information. New Jersey - Ocean City: Flanders Hotel The History: This hotel was built in 1923 by prominent citizens in Ocean City. This hotel was the luxury accommodations on the boardwalk. The investors were hit hard in the Great Depression and the hotel was bought out by Elwood Kirkman in 1932. After a change of hands, the hotel was considered for a retirement community. However, this was opposed and the hotel stayed and instead was remodeled in 1996 and reopened in 1997. Some of the famous who have stayed at the hotel include Grace Kelley and Jimmy Stewart. The Haunting: Emily is the name of the resident ghost who likes to walk through walls and mess with the lighting. She can sometimes even be heard singing. If she is not signing, she may be spotted hanging around the grand piano or walking through the hall of mirrors. Overall, she seems happy to have all the company. How to see it: Come stay for a visit and enjoy the suites, ocean, boardwalk, and ghosts. For more information, click here. New Mexico - Santa Fe: La Fonda Hotel The History: Records show that a hotel, Fonda, was established here by the Spanish as early as 1607. With the establishment of the Sante Fe Trail in 1821, the hotel became a welcome destination at its end. The original structure is gone but the hotel that sits there now was built in 1922 and has been hosting weary travelers just the same but with a lot more elegance and comfort. The Haunting: This hotel has a selection of ghosts. There are various ghosts that stomp up and down hallways and stairways. There is the gambler who committed suicide by jumping in a well - the well now filled and covered doesn't stop the ghost from disappearing into the floor where he jumps again and again. There is also a young bride who haunts, wouldn't you know it, the wedding suite. Many of the ghosts for this hotel like to be seen, not just heard, as all ghosts have appeared visually at some point another. How to see it: Located in downtown Sante Fe, this hotel offers a great home port for touring. While touring about the town, perhaps you can explore a haunted corner as well! To find out more, click here. New York - Bolton Landing: The Sagamore The History: This hotel was originally built in 1883 to provide a getaway on Lake George in the Adirondack Mountains. This historic building suffered two fires but was reconstructed in 1930. The resort was meant to be a retreat for the wealthy and is still neighbored by palatial mansions across the lake. The Haunting: This hotel has many ghosts including one of a little boy on the golf course! This boy chased balls and sold them when alive. He died in a tragic accident when he was hit by a car running after a ball. Now his shadowy form can be seen running after golf balls on the course. He likes to steal balls and laugh at golfers as they look for them. When they give up he tosses the ball at them, again, laughing. Other ghosts include the guest who come down from the second floor for dinner every night and wait patiently in the reception area before they literally vanish. Then there is the portly cigar smoker in the elevator who may not appreciate the non-smoking policy these days. How to see it: You can stay in the hotel, vacation lodges or a castle (if you have the cash!). Click here to plan your stay! North Carolina - Chapel Hill: The Carolina Inn The History: Owned by UNC, this inn was built by a UNC graduate in 1924. Throughout its history it has been used by the campus to host conferences, guests and alumni. Today the proceeds from the inn are given to the university library. The Haunting: Professor William Jacocks likes to haunt room 252. Although guests do claim to have encounters with the professor, the hotel staff say he has never frightened anyone to the point of packing their bags and running. Instead he is a friendly ghost who plays pranks such as holding the doorknobs so rooms won't open, rustling papers, and making the occasional noise. Some claim there are additional ghosts walking the halls and looming over their shoulder, but always more curious than menacing. How to see it: You can spend the night in this historic hotel; for more information click here. North Dakota - Anamoose: Sage Hill Bed & Breakfast The History: First opened in 1928, known as "White School," this bed and breakfast started history as a primary school. This model school set an example for the area. It used wind power and offered students hot meals and warm showers. The teachers and bus drivers stayed on site. There were two horse barns onsite to house the horses that pulled the school bus/wagons. At its peak, there were 100 students enrolled. The school closed in 1968 because of lack of enrollment. The Haunting: Legend has it that a superintendent and student died in a fire caused by a coal burning stove. The superintendent smoked cigars and the smell of cigar smoke still hangs in the air at times. Objects like to move by themselves around here and lights and even toilets work on their own. How to see it: Sage Hill was recently converted to a bed and breakfast by the current owners in 1996. Even remodeled, it has the feel of the old schoolhouse. Want to spend the night? To find out more, click here. Ohio - Granville: The Buxton Inn The History: Orrin Grainger opened "The Tavern" in 1812. This place has been a host to guests continuously ever since. The hotel's namesake, General Buxton, purchased the hotel in 1865 and gave the hotel a reputation for friendly service. In 1972, the current owners, Orville and Audrey Orr, helped keep the building from being demolished for a parking lot. Instead, the hotel was renovated and other old buildings in the neighborhood were also rescued. Famous guests have included President William H. Harrison, President Abraham Lincoln, Harriet Beecher Stowe, to recent celebrities such as Yoyo Ma and Jennifer Garner. The Haunting: A lot of the previous owners haunt the place. Grainger himself was spotted in the 1920s. Many of the ghosts here like to be seen and can be spotted roaming the main hall or sitting in the tavern. They sometimes like to make some noise as well and their voices have been caught on tape. Prefer animals? This inn is haunted by its very own ghost cat! How to see it: Whether you want to step into history and stay at Ohio's oldest continuously opened inn or if you want to play peek and boo with some ghosts, this is the getaway for you. For more information, click here. Oklahoma - Guthrie: The Stone Lion Inn The History: F.E. Houghton built this mansion in 1907. It served most of its years as a residence and later was turned into a funeral home. The only person to die in the home seems to be a young girl who died of whooping cough after receiving the wrong medicine. The Haunting: After turning this mansion into an inn, the new owners woke up at night to the sounds of footsteps and doors opening and closing. They called the police but no intruder was found. Soon after they realized they had their first "guest" who may be a small girl as she likes to take out the toys at night to play. How to see it: Ready for some fun? From a murder mystery night or perhaps a chance to see a real ghost, click here for more information about how to stay. Oregon - Yachats: Heceta House The History: This house accompanies a lighthouse on the Oregon coast built in 1894. Many families occupied the house/complex over time which included a post office, school and the light house. But it is only the keeper's house that has tales of haunting. Many believe this is the mother of a child who fell off the cliffs back at the turn of the century. The Haunting: The ghost named Rue is said to be an extra caretaker of the house. She makes it known if she is displeased with any activity in the house. One of the more humorous accounts was of her screaming in the middle of a card game, she didn't want them playing cards in her house! How to see it: This house is now a bed and breakfast. It also has guided tours from its interpretive center. Although the current owners don't play up and advertise the ghost, they have said guests have told them of strange encounters. To spend the night click here. Pennsylvania - Gettysburg: Farnsworth House Inn The History: A house was built here in 1810 and later changed to brick in 1833. During the Civil War, the Sweeney family lived in the home and the Confederates used the home as a shelter for their sharpshooters. The current owners purchased the home in 1972 and have worked on renovating the home keeping the early 19th century feel and history. The Haunting: Many ghosts haunt this home. Including Confederate soldiers who like to move furniture and stomp around the attic. Another soldier has been spotted carrying his wounded comrade to the cellar. He is heard singing to his dying friend as well. Mary, a midwife, likes to tend to anyone who is sick or distressed and may sit down on the bed next to anyone who seems to need the company. There is a small boy who died in a carriage accident out front and his grieving father who also haunt the halls. How to see it: Whether a Civil War enthusiast who needs a place to stay or interested in meeting some of the wandering spirits, this inn will fit the bill. This inn has fun with history providing ghost stories in their tours and theater shows. To find out more, click here. Rhode Island - Newport: Castle Hill Inn & Resort The History: The location for Castle Hill originally had a watch house as early as 1740 when it was used to watch the sea for ships during the war between Britain and Spain. The Americans used the same location during the Revolutionary War to bombard British ships as they passed. In 1874, Alexander Agassiz, an explorer and scientist settled here to better study the marine life. It was not only his home but a lab that housed research students as well. The Haunting: There is a girl spirit here who may have some connection to the original owner, Agassiz. She throws a bit of a tantrum now and then and has trashed some of the china on occasion. How to see it: This inn offers a luxury escape on the coast. For more information, click here. South Carolina - Charleston: The Battery Carriage House Inn The History: This house was built in 1843 for Samuel Stevens, a prominent lender in the area who helped local cotton farms finance their farms. In 1870, after the Civil War had ended local wealth in Charleston, Col. Lathers (of the Union Army) bought the home and had it remodeled to the current New York fashion, Second Empire. However, Col. Lathers was told he wasn't welcome in Charleston and sold the home in 1874 to Andrew Simonds, the great-great grandfather of the current owner. The Haunting: There is a gentleman ghost who may be the son of a former owner who jumped off the roof to commit suicide. But he is a gentle ghost and just seems to enjoy the company. There is also a headless torso who makes many feel threatened by his creepy appearance and moaning. He might be the ghost a pirate as some were executed close to the hotel. However it is just as likely he is a soldier from the Civil War. Some guests report seeing energy orbs or have electronics turn on when they are really off. Overall it seems rooms 8 and 10 have the most activity. How to see it: The owners of the hotel have not seen any of the ghosts themselves, but they don't mind if you want to try and catch a glimpse for yourself. Click here to find out more. South Dakota - Deadwood: Bullock Hotel The History: The Bullock Hotel was built in 1895 by Seth Bullock. Bullock had become Deadwood's first sheriff after James Butler "Wild Bill" Hickock was killed in 1876 and the townspeople demanded some law and order. The hotel has since been remodeled and renovated to match the original as much as possible. The Haunting: Sheriff Bullock haunts his old hotel keeping an eye on things. Many guests and staff report feeling a presence of being watched and some have even spotted him in the restaurant and cellar. The sheriff often shows up when people are relaxing or humming - apparently not working hard enough. He then has a bit of a tantrum and throws dishes and glasses about. If he isn't throwing a tantrum, he also likes to mess with lights and other electronic devices. But if that doesn't get your attention, he may just tap you on the shoulder as you walk down the hall. How to see it: They have spruced up the hotel with all the modern amenities. Spend the night, play at the casino and have a beer with the ghost of Sheriff Bullock. For more information, click here. Tennessee - Chattanooga: Sheraton Read House Hotel The History: First named Crutchfield House, this hotel opened in 1847. Although the family was split about the war, the hotel was used by the Union during the Civil War. The hotel burned down in 1867 and was rebuilt. In 1926 the hotel was again destroyed (this time demolished on purpose) and rebuilt to what you see today. The Haunting: Legend has it that a Union soldier killed a prostitute in his room. However, the hotel burned in 1867, so perhaps it is not her ghost that is pestering people. Another story relates that it was the cheating wife who was killed by her husband in the 1920s. Regardless of where the ghost comes from, it seems to like room 311. You may have to specifically request this room as rumor has it the hotel only assigns the room as a last resort. How to see it: A hotel more interested in your comfort than ghosts, you should have a pleasant stay no matter who you "bump" into. To find out more, click here. Texas - Austin: Driskill Hotel The History: Jesse Lincoln Driskill opened this hotel in 1886. The hotel was grand and luxurious, funded by his success as a cattle baron. In 1888, the family lost its fortune due to drought and a cold winter that killed most of the cattle. The hotel then changed from owner to owner with the most recent change of hands in 1995. The Haunting: Driskill is claimed to still wander the hotel, puffing cigar smoke while he turns lights on and off. There is the ghost of a small girl, daughter of a Senator who was left unattended and fell to her death while playing with her ball - she can still be heard bouncing the ball today. How to see it: The hotel today offers all kinds of pampering. To find out more about staying, click here. Utah - Salt Lake City: McCune Mansion The History: This mansion was built in 1900 by a railroad tycoon named Alfred W. McCune. After leaving for California in 1920, the McCune's donated the mansion to the Latter-Day Saint Church. It was then turned into the McCune School of Music. It later became a Brigham Young University Salk Lake City Center and Virginia Tanner Modern Dance School. In 1999 it was purchased by Phil McCarthy who worked to restore the mansion and open it as a hotel. The Haunting: Music is said to still haunt the McCune halls. A small room under the stairs was used by the McCune's as a stage for hired musicians. The whole house would be filled with music but their guests did not know from where it came. It is said this music still fills the air from here. Other happenings include doors locking that are not fit with locks, doors opening on their own and lights going on and off on their own. How to see it: You can schedule a tour of the mansion through the Utah Heritage Foundation. To find out more about spending the night, click here. Vermont - Stowe: The Green Mountain Inn The History: This home was built in 1833 by Peter Lovejoy. The home changed hands and became a hotel in the later 19th century. Mark Lovejoy purchased the hotel in 1893 and renamed it The Green Mountain Inn. The inn stayed in service while having many different owners. In the 1980s massive renovations were done including the addition of clubhouses and townhouses with luxury suites. The Haunting: A tap dancer named Boots Berry haunts the third floor of this inn. Born in 1840, Boots was actually born in the servants quarters - now hotel room 302. He gained local notoriety after he stopped spooked horses from running away with the stagecoach. Boots was treated to one too many drinks and became a bit of an alcoholic and lost his job at the inn. Boots left the area and, as legend has it, was arrested in New Orleans where he learned to tap dance from his cellmate. After a life of a traveling vagrant he returned penniless. During a winter snow storm a girl was stranded on the roof of the inn. Since Boots was familiar with the area (right above the same servants quarters) he found a way to her and helped her to safety. He however slipped and fell to his death. Now it is said during winter storms you can hear Boots tap dancing on the third floor. How to see it: There is lot to do in the area and at the inn itself. Ice cream, chocolate and wine tasting - yes please! Click here to find out more. Virginia - Middletown: Wayside Inn The History: The Wayside Inn opened in 1797 acting in its early years as a stagecoach stop where travelers could get some rest and a hearty meal while the horses were changed. During the Civil War, the inn kept neutrality and served soldiers on both sides which probably helped to spare it from any real damage. The inn was renovated in the 1960s with modern amenities but added antiques to keep the history of the place. The new owners purchased the inn as recently as June 2009. The Haunting: Many of the ghosts here are soldiers from the Civil War. Both sides were welcome here and it seems liked their stay a little too much. The soldiers have been seen and also heard on occasion. Heavy footsteps or a conversation your not part of, just little things to let you know they are there. If you are going to stay, room 14 is said to have the most activity. How to see it: This inn offers old world charm with modern comforts. To find out more about spending the night, click here. Washington - Lakewood: Thornewood Castle The History: Thornewood Castle was built for Chester Thorne, a successful founder of the Port of Tacoma. This Tudor/Gothic estate was completed in 1911. Inspired by the estates in Britain, the stained glass windows were even imported from a castle in Europe. The castle has many different imports that add to the structure and contents of the building. One of the more interesting aspects is the "wishbone sticks" left by the Native American workers who helped in the construction. These sticks help to ward off evil and are found at the foundation in the basement. The Haunting: There are multiple photographs taken of orbs throughout the castle and reports of objects moving on their own. Tape recorders have picked up voices, one of an unknown child. One child did drown in the lake and is said to haunt its shore, perhaps they visit the house as well? Overall, the spirits at Thornewood seem to be a good natured sort. There is not a violent history attached to this home. Although the wife of Mr. Thorne is said to haunt the halls, this is more because she likes the place rather than she is out to get anyone. In fact, some believe Thornewood Castle acts as a vortex and can attract ghosts from the other side. Some guests have reported making contact with loved ones from their lives who have no connection with the castle. How to see it: You may stay in the castle as it is now a B&B. There are Candle Light Tours: for $100 and the cost of a room you can spend the night exploring the haunted halls with a small group of ghost hunters. To spend the night, click here. West Virginia - Parkersburg: Blennerhassett Hotel The History: William Chancellor designed and built the hotel in 1889. The hotel was luxury living and housed the First National Bank of Parkersburg in the front. The hotel underwent renovations in 1985. The Haunting: William is said to haunt the hotel and many can smell his cigar smoke as he patrols the halls. When his portrait was put in storage during renovations he acted up bit - climbing into bed with guests - to make certain he was not forgotten. Since his portrait has been placed back on the wall, he has been a bit less obtrusive. But William isn't the only ghost. Another gentleman ghost in a white suit likes to pop up behind you when you look in the mirror. I think I would rather hang out with William... How to see it: This hotel offers comfortable accommodations with an old world feel. They even have fun with their haunting reputation and offer a haunted weekend getaway in the fall. To find out more, click here. Wisconsin - Milwaukee: Brumder Mansion The History: George Brumder had the home built in 1910 for his son, George Jr. After they sold the home, the house was everything from a boarding house to an activity center for a Lutheran church. They used the home for office space, a theater, and later opened a coffee house with a live music venue. The current owners purchased the home in 1997 and opened the renovated space as a B&B in 1998. The Haunting: The Gold Room was once the room of one of the Brumder daughters who never married after suffering a broken heart early in life. She is said to still stay in the room, in fact she was quite appalled and upset when the current owner spent the night in this room with her dogs - no dogs allowed! Your dreams will be haunted if any dogs sleep on the bed! How to see it: It's a Bed & Breakfast, so take the plunge and spend the night - request the Gold Suite! You can even join a ghost hunting seminar or enjoy a haunted history dinner! For more information, click here. Kewaunee: Kewaunee Inn The History: Built in 1912 by William Karsten this inn is still commonly known as the Hotel Karsten. Father and son managed this hotel until William Karsten Jr.'s death in 1964. The hotel then changed hands and received various facelifts. The most recent owners renamed the hotel to the Kewaunee Inn at Hamachek Village in May 2008. The Haunting: The ghosts at the Kewaunee Inn didn't start to bug the living until after renovations started in 1966. The inn website mentions the triad of ghosts include William Karsten Sr, Billy Karsten III (who died at 5 years of age shortly after his grandfather), and Agatha the housekeeper. Agatha seems to be the most active, floating about the halls and popping up behind you when you look in the mirror! She doesn't seem to like men much - so any male guests be on your guard! William likes to have a drink at the bar now and then and Billy still runs up and down the hall playing. How to see it: Brave enough to spend the night? Click here to make a reservation. Wyoming - Cheyenne: The Plains Hotel The History: This hotel opened in 1911 to meet the needs of travelers, oil tycoons and cattle barons alike. Attracting all types of guests, presidents such as Harry S Truman and Ronald Regan as well as movie stars such as Jimmy Stewart and Debbie Reynolds have stayed here. The most distinguished visitor was an Arapaho, Chief Little Shield, whose portrait now is used as a type of logo throughout the hotel. The luxury of yesterday was recently restored in 2002. The Haunting: Legend says a newlywed couple and a mistress walk the halls here. The couple were on their honeymoon when the new husband went downstairs to the bar. When the wife followed she spotted him with another woman. The wife followed the two lovers to their room, shot them, returned to the honeymoon suite and then shot herself. Laughter and crying can now be heard in the honeymoon suite. The husband is seen wandering the halls and the basement. The mistress can't be missed, she wanders the halls in a fancy red dress. How to see it: Shake up your journey a bit and spend the night. To find out more, click here. Puerto Rico: Hotel El Convento The History: This former Carmelite convent named The Monastery of Our Lady Carmne of San Jose was founded in 1651. The nuns left this convent in 1903 and site fell into ruin until 1962 when Robert Woolworth purchased it to make it into a resort. The Haunting: Dona Ana was a noblewoman who lost her husband in the war with the Dutch and then turned to her faith. She donated the land for the Carmelite convent. It is said her spirit and those of nuns can be seen about the grounds and gliding through the halls. How to see it: For information about how to enjoy a luxurious stay with these faithful spirits click here. International Haunts: Ireland: Ross Castle The History: This area shows record of settlement since the Iron Age. The castle tower was completed in 1537 by Richard Nugent, 12th Baron of Delvin. A family loyal to the English crown for their title and rank hoped to received the extra boon of £10 given as encouragement for each fortification built in Ireland. In time the Nugents began to marry the once rival Celtic nobles especially the O'Reillys. In 1644 the castle was pulverized by Cromwellian soldiers in retribution for Myles O'Reilly's defiance. Restoration was begun by the family in the 19th century and the castle was later modernized with plumbing and electricity. The Haunting: The castle's founder, Richard Nugent was also known as the Black Baron and, you guessed it, he had a reputation for being quite unpleasant. The Black Baron had a beautiful daughter named Sabina who had the unfortunate luck to fall in love with Orwin O'Reilly (at this time still an enemy). Moved by love to give up their home, family and wealth, they decided to elope. However, as they made their escape by boat a storm came up and it capsized. Orwin died but Sabina lived. Crushed with heartache, she pinned away in Ross Castle tower until she finally gave up the ghost which in turn walks the halls to this day. She is said to sometimes be heard screaming! The Black Baron is also rumored to haunt the grounds and can be quite unpleasant. How to see it: Besides ghost hunting, you can go fishing, golfing, horseback riding, sailing, boating, hiking, cycling, go see the races or even take flying lessons! Plenty to do and see in a romantic setting. For more information about spending the weekend, click here. United Kingdom - England: The Feathers Hotel The History: The original building was built in 1619 and has been added to and modified since. First a private residence, it was changed to an Inn in 1670 after the English Civil War and would remain one for the next 200 years! In 1863 it changed to a hotel and started to acquire more land and expand. Why feathers? There are faded motifs of ostrich feathers on the outer woodwork still visible. They were a symbol of the Prince of Wales and en vogue at the time of construction. Not to mention the town of Ludlow was royalist even during the English Civil War. The Haunting: There is a female "guest" in room 211 who is known to bother women rather then men in the room, pulling their hair and letting them know they are not welcome. There are a couple gentlemen ghosts roaming about including one who is accompanied by his ghost dog! How to see it: You can join on a ghost hunting adventure either with Eerie Evenings or Haunted Breaks. Or you may opt to spend the night and enjoy the historic surroundings. For more information click here. Scotland: Comlongon Castle The History: This stronghold dates back to 1451 when it was constructed for the Murray family. The residents of this border castle enjoyed the profits of dealing in "the black meal" or modern day blackmail. They would kidnap wealthy neighbors and hold them in a dark pit until terms of the ransom were arranged. They would then treat the prisoner as an honored guest until the amount was paid. But business wasn't always that good and the castle later fell into disrepair until purchased by the Earls of Mansfield in 1880. During WWII the castle changed hands again and became an orphanage. Then after 1984 it was revamped into the hotel it is today. The Haunting: In 1570 Lady Marion Carruthers was hiding out in the castle trying to avoid a forced marriage to James Douglas who wanted her fortune. When the courts ruled in favor of James, she jumped from the tower to her death and subsequently became the castles resident ghost. She is still seen wandering the castle and grounds today, you'll know if you see her by her green dress. How to see it: Advertising mostly as a picturesque local for weddings, this castle has plenty to offer the general weekend escapists as well. Click here to learn about spending the weekend. Wales: Ruthin Castle The History: Legend has it that the original castle was a wooden fort lorded by Huail. He fought King Arthur and wounded him in the knee. A truce was called but Huail later mocked King Arthur and was beheaded. The first stone structure was put up by King Edward I in 1277 and the castle was owned by the crown off and on until sold by Charles I in 1632. The modern stone structure was built in 1826. However some of the older walls, dungeons and tunnels are still standing today. The Haunting: This castle comes with its own Grey Lady, dating back to the time of Edward I, this ghost was sentenced to death for killing the lover of her husband. Soldiers are said to still march around the grounds and prisoners long dead are still heard moaning in agony. How to see it: If you don't find ghost hunting or random spooks exciting enough, this castle offers other entertainment including medieval banquets (one even with a murder mystery theme!), golf, and romantic getaway packages.

How to Hire a Home Inspector

You need an experienced professional.

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So, you are buying or selling a home and you feel that you need an experienced professional to inspect the property so that you go into the sale/purchase knowing everything that you need to know to make the proper decisions and arrive at the dollar/value amount that the property is worth to you. But, how do you go about it? All of the Inspectors’ ads seem the same - they all tout the same lines of how great they are, etc., etc. It’s impossible to get a referral because you really don’t know anyone who has bought or sold a home recently, and you surely don’t trust the Realtor's choice because you are pretty sure the Inspectors that they use are “their good Ol' boys” that solicit the Realtors for work. So, what’s a person to do? 

Well, let me make it easy for you to cut right through all of the hype and “fairy tales.” I’m going to give you a downloadable short chart that you can print. On the chart will be a few of the most pertinent questions you would want to be asking of your prospective Inspector as to his/her qualifications to be sure that they will be the one that will give you the knowledge and peace of mind to move forward into one of the biggest investments/transactions you will make in your life. If you use the chart as it is designed to be used, you will be able to fill in the boxes below each Inspector's name with check marks or minimal info relating to the answers you receive from the several Inspectors that you interview. It will become evident in short order who is the most qualified Inspector that you should hire, unless, of course, you are an individual that is of the opinion that all Inspectors are the same, all inspection reports are the same, and the only difference is who is the cheapest, which, in that case, I’m sure that you will get exactly what you bargained for. Besides, who better than the Inspector himself knows what he/she is worth! Download the Home Inspectors Hiring Questionnaire as a printable PDF file.

Finally, for those that really want to know who they are hiring to perform such an important service for them, I will give you a list of additional questions that you can ask that will further qualify an Inspector to you, if you wish to know more and take the time to ask them. Hey, you’re only talking about a few hundred thousand dollars of your hard earned money here, so taking a few extra minutes of your time to hire a true professional who will be supplying you with the knowledge and peace of mind that you need at a cost of less than ½ of 1% of what the transaction will be is, well, maybe worth the extra effort. I’ll make it even easier for you; I’ll give you some links (see box to the right) to go to so you can check if the answers the Inspectors give you are true.

So, roll up your sleeves, pull out the telephone book, and go online and decide on a few Inspectors that on the surface look promising. Write their names at the top of the columns and then start dialing the phone and asking the questions and filling in the blank boxes with check marks and info.

Questions To Ask:

  1. How long have you been inspecting?
  2. How long have you been in the Construction and Home Repair business?
  3. Are you “certified” by any national organization as a Home Inspector? Are you a licensed General Contractor?
  4. Are you licensed in any thing?
  5. Have you ever hands-on built a home from scratch? If so what, where, when?
  6. Have you ever spent any “real” time in the home repair field? If so, what, when?
  7. Do you solicit realtors to obtain your work/inspections?
  8. What, EXACTLY, do you inspect and include in your inspection report?
  9. Is the report computer generated, easy to understand and have digital color pictures? Do you offer a money back guarantee?
  10. How long will the inspection take?
  11. What is your fee?

These should be the short list, lucky thirteen if you will, that should shed a little light on just how much experience your Inspector has, how qualified they are and the basics of what you can expect from them should you hire them. http://www.unbiasedinspections.com/index.htm

Additional Questions You May Want To Ask:

  1. Do have a website and what is its address?
  2. Do you have any references you would like to share with me?
  3. Can I accompany you during the inspection?
  4. Have you ever been sued over one of your inspections?
  5. How do you stand behind your inspection if a problem comes up?
  6. How much continuing education do you take every year? What other services do you offer?
  7. Do you belong to the local Realtors Board?
  8. Do you advertise in any of the real estate companies’ sales fliers?
  9. What/whose Standards of Practice do you inspect to?
  10. What Home Inspection organization(s) are you most proud to belong to and why?

MY ANSWERS To The Questions:

I have been in the Home Inspection business for 40 years.

I have been in the Construction and Home Repair business for 45 years.

I am certified as a Home Inspector by the following organizations: CalNACHI, NACHI International, IHINA.

I have been a licensed General Contractor since 1977.

I am licensed in the following: California General Contractor & California Structural Pest Inspector.

I have built many structures since 1977, including such projects as a geodesic dome home.

I have 45 years of hands-on “real” time in the home repair field/structural pest control business.

I do NOT solicit realtors to obtain inspection work.

For each report I inspect all visible and accessible portions and systems of the house and property.

Each computer generated report is easy to understand and includes digital color pictures.

I offer a money back guarantee and stand firmly behind it!

Each inspection will take 4 – 8 + hours depending on the property to be inspected.

The fee will vary depending on the property to be inspected.

I have a website at www.unbiasedinspections.com.

I have numerous client references on my website at Client Testimonials.

I encourage my clients to accompany me during the inspection, or at least be on site near the end of the inspection. 

I have never been sued over an inspection, even though I’ve been inspecting homes since 1968.

If a problem comes up regarding an inspection, I have a money back guarantee.

Each year I obtain usually 40 - 50 hours of continuing education in pertinent home inspection classes.

Other services offered… structural pest (termite) inspections, thermography scans and reports, floor level mapping, consulting.

I do not belong to the local Realtors Board in order to avoid any perception of conflict of interest or collusion.

I absolutely do NOT advertise in any of the real estate companies’ sales fliers.

My home inspections are performed under the Standards of Practice of CalNACHI (National Association of Certifed Home Inspectors).

The Home Inspection organization(s) of which I most proudly belong is CalNACHI (National Association of Certifed Home Inspectors) because of their high standards and stringent continuing education requirements. I’m also proud to be a member of Independent Home Inspectors of North America (IHINA) because in order to be a member you must sign a pledge NOT to solicit business from realtors!

- Ron Ringen Ringen's

Unbiased Inspections https://www.unbiasedinspections.com/home-inspection-articles/how-to-hire-a-home-inspector/