Small openings on the exterior of your home can allow for significant energy loss. Caulk around openings for electric, gas, oil and water supply lines, drainage pipes, plumbing for outside spigots, cable TV and telephone cables. Dryer vents, mechanical ventilation system vents and combustion air supply vents for furnaces should also be sealed.
If you live in a flood plain, the lender will require that you have flood insurance before lending any money to you. But if you live near a flood plain, you may choose whether or not to get flood insurance coverage for your home. Work with an insurance agent to construct a policy that fits your needs.