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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson

UPDATED: Mar 23, 2016

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Are You and Your Family Ready for a Bigger Home?

Huge cabin in the woods winter

As families increase in size, their homes naturally tend to follow suit. While a 1,500 square foot home may have been perfect as a starter home, it may not be enough to accompany a few kids and a dog. Builders adjust their plans and offerings to cater to this growing segment of society. In fact, the average new home in the U.S. is 2,400 square feet.

Here are five ways to tell if it’s time to upsize to a larger home.

Your family is getting bigger. 


The most common reason people move to a larger home is to accommodate their growing family. If you already have two children and another on the way, a two-bedroom home may not be feasible any longer.

Don’t think larger homes are only for families with children, either. There are many ways your family can increase in size. Pet owners who need a larger yard, empty nesters who take in an aging parent, or couples who are ready to move in together or get married are all reasons to consider upsizing to a larger home.

The home no longer fits your needs.

As you move into different stages of your life, your starter home may not be practical anymore. A third floor condo may have been fine for just you, but it can become a nightmare when you’re hauling a baby carrier and groceries up and down three flights of stairs every day. If you have teenagers who need their space or a grown relative moving in with you, a home with a finished basement or that offers more privacy or a home with an extra bedroom and bathroom may be more practical.

You want more features.

Smaller homes typically have fewer amenities and extras. If you’d like a gourmet kitchen, larger yard, or extra rooms like an office or playroom, upsizing may be the only way to get them. Upgrading to more square footage typically means larger rooms as well, allowing you to fit big items like a piano or formal dining room table that wouldn’t fit in a smaller home.

You can afford a larger home. 

In most cases, the size of your home won’t be the only thing increasing–your mortgage will as well. Go over your budget carefully before making any decision and see what you can realistically afford.

In addition to a bigger monthly payment, plan on paying more in utility costs, as it will require more energy to keep your larger home cool in the summer and warm in the winter. Property taxes and HOA fees could add a considerable amount to your monthly payment and should also be considered.

You have enough equity in your current home. 

When you sell your current home, you should have enough equity to cover the down payment or a portion of it for your newer home. Before you move, check out the real estate market in your area. Are homes in your current neighborhood selling quickly, or do they sit on the market month after month? How much can you reasonably expect to ask for your current home? These are all factors to consider before moving.

The bottom line

If upsizing to a larger home will increase your quality of life and fits within your budget, then go for it!

Your home is likely your biggest investment, so when you upsize, make sure you protect your investment with the right homeowners insurance. Finding the perfect insurance can be confusing, so let us help. We’re happy to help you find the right amount of coverage for your new home.

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