Designer Tips for Layering Decor at Home

A growing trend among interior designers is layering unique patterns and textures for heightened visual interest. Get inspired to layer elements in your home with these ideas.

livingroom1Fancy Frames – An empty wall holds endless potential. If the room is small, expand your space with a mirror collage featuring a variety of shapes and varnishes. Is your heart set on colorful patterned wallpaper? Showcase your favorite print in a large frame for a beautiful living room backdrop to avoid feeling overwhelmed. Art fans should collect a variety of frames in different finishes and styles to create a living room gallery.

livingroom2Pillow Patterns – While it’s fun to mix and match pillows, certain textures complement each other better than others. For example, linens and wool tend to look better with woven fabrics, while shiny and matte fabrics are best kept separate. Mixing contrasting textures such as silk and corduroy calls for a strong sense of design confidence, but it can be done.

livingroom3Rugs on Rugs – Start with a flat, neutral rug as your foundation and add a smaller, accent rug on top. Investing in a large rug with a subdued color is wise, but have fun with the accent rug. Whether cowhide or a geometric print, choose a similar color scheme and play with the positioning by placing the top rug at a purposeful angle.

livingroom4Old, Renewed – When thinking about your space, it’s important to remember that design inspiration can be found anywhere. Look for antique candle holders or paperweights. Check out antique shops or thrift stores for hidden treasures. When traveling, visit flea markets and local art fairs. Transform an old object like a rustic slab of wood into a glossy countertop for your kitchen island. No matter where you travel, keep an eye out for timeworn treasures for your home.

Layering textures and patterns, combining modern with rustic – blending home design can result in a truly transformative space that captures your individual style.

Listing Your Home on Airbnb? Don’t Forget Insurance

vacayhouseHome-sharing, or peer-to-peer renting, has soared in popularity thanks to sites like Airbnb, HomeAway and Roomorama that give renters the opportunity to room with a host in a privately-owned property, paying similarly to a hotel stay. The property is not a licensed hospitality provider, so insurance concerns are common for hosts.

According to the National Association of Insurance Commissioners (NAIC), standard homeowners and renters insurance policies generally do not cover home-sharing-related claims. Hosts must consider what their course of action will be if a guest is injured on or vandalizes the property. If you rent your home frequently, your insurer may deny coverage because your policy does not cover home-based businesses. If you rent your home only occasionally, your insurer may be able to provide an endorsement to protect you, but it is not guaranteed.

Because these and other factors must be considered, it’s important to discuss home-sharing with your insurer prior to renting. The NAIC recommends purchasing a landlord policy for liability protection and to cover possessions, any legal fees and lost rental income due to damage. You might also require renters to provide proof of their own homeowners, renters, or personal liability insurance for added protection.

At present, Airbnb offers host insurance coverage up to $1 million if a guest is injured on or damages the property.