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The Most Frequently Asked Questions About Home Insurance

There’s a lot to figure out when the time comes to go shopping around for a home insurance policy…or file an insurance claim…or do just about anything else that’s going to force you to wade through the massive realm of legal-ese, insurance-ese and just plain confusing English that makes up your home insurance! Here’s a look at the top five most frequently questioned questions about home insurance, and how you can make that information work for you.

How do I get cheap home insurance?

You can tell we’re living in a tough economy, because lately it seems like this is the number one question on everyone’s lips. It would take months to go through all the ways you can minimize your insurance rates, but the bottom line is that it’s all about minimizing risk. If you can minimize the chances that your home is going to be severely hurt as the result of a storm or other “act of God”, make sure you’re ready for any kitchen or bathroom fires that pop up along the way and install a excellent security system that will let you know if someone is trying to come in and rob you blind you’re going to be in fantastic shape to get the lowest rates possible on your coverage.

How much home insurance do I need to buy?

This is a tough one. A excellent guideline is to question your home insurance agent to issue you a policy for the replacement cost of your home and possessions (i.e. the cost of buying comparable items today rather than what you paid for them ten or fifteen years ago). That way if disaster does strike you’re not left scrambling for extra cash. 0,000 to 0,000 in personal liability on top of your replacement costs is the industry norm, but you can always question for more if you feel you can afford it.

A quick tip: Don’t just look at the price on your appraisal and call it a day. The price on your appraisal also covers the cost of your land, and there’s very small chance that you’ll have to rebuild your land after a storm. (Crop insurance is another deal entirely.) When you leave the cost of your land out of the picture you’ll find that the cost of your premiums dips significantly.

How much are my deductibles?

The amount of your deductible is going to vary from company to company. What’s vital is to make sure you never have a higher deductible than you can afford to pay. Higher deductibles=lower home insurance rates, but you don’t want to find yourself completely out of luck if you have to come up with that money after Murphy’s law strikes again.

Does my home insurance cover my child if they go off to college?

Normally yes, your home insurance policy will extend to your child’s dorm room (and their bike), but your insurance agent needs to know what’s going to be college bound. College campuses are prime places for theft, and you want to make sure you’re prepared.

Does my home insurance cover items in my car?

Much like a dorm, a car is considered a temporary resting spot rather than a full blown relocation. That means your insurance will usually cover items in your car if they’re stolen, including your car stereo, as long as you let them know you want it insured.

How often should I update my home insurance policy?

Most experts recommend updating your home insurance policy with every renewal and each time you buy an item you need to insure. That way you’re never stuck in the awkward position of trying to file an insurance claim for an item your insurance company knows absolutely nothing about.

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All You Need To Know About Home Insurance Coverage?

Home insurance is mainly for anyone who owns a home. It assists in providing security for the future and to protect the house of losses due to the potential risks that may affect the lives and people in the house financially. Various policies of your home are of varying degrees. A home can be your home insurance policy against hurt caused by floods, earthquakes, protection against theft and hurt caused by internal small circuits. The home insurance also applies to people stay in the house that is insured and also the property that may get afected by hurt.

Similarly, there are different policies for vacant houses as well. That policy is that the property insured against any risk, and those not covered. Thus, there is nearly no personal coverage, and this policy will be a housing policy. If you want to pay in this case, the premium usually is in a single payment, and the amount provided as coverage is slightly lower than the normal cost of coverage

Today, it is quite easy to buy insurance. There are many companies offering different policies with different costs. Just call them and their staff will visit you in your place with all the necessary documents.You need to make sure it is the kind of policy you want to buy. This calculation will tell you all the details of policy, the annual premium. As you interact with the policy seller and if are not satisfied with what’s in the documents, you can appoint your own broker to check the documents. Once the documents are accepted by you. it is assumed that you know exactly all the rules and regulations of the policy.

Therefore, you should read the document before, so that you will not have any problems later. You should check all the details mentioned.If there is any kind of mistake, you must inform the agent then and there. All details must be understood properly so that any form of economic losses are avoided later. In general, the documents are a contract for a specified period as chose by the insured and insurer.

You can realize savings amounting to hundreds of dollars on your home insurance by obtaining insurance quotes from different websites. The best strategy is to go at least five different ones to be sure. This gives you a broader basis for comparisons and maximizes your chances of better deals.

1. Discounts: Can be considered for reimbursement if they meet certain conditions. Read about your policy or question your insurance agent. Some insurance companies offer discounts if you are 55 years or older, or if you take precautions to protect your home.

2. Improve credit card: If you have a low credit score, it will assess the impact on your insurance.

3. Combine insurance: If you use the same insurance for your home and auto insurance home, you can receive a discount of up to 15%. The addition of other household members of your automobile insurance policy may also reduce your premium. Question your agent to clarify this for you.

4. Homeowners club: If you live in a house that is part of a club, you may be confused with the claim. Insurance companies generally believe that the property which is part of a club are less at risk.

5. New home: If you are buying or building a new home, you can get a discount because newer homes have systems dating back to more efficient electrical, heating and cooling. You may even be eligible for discount.

6. Increase your deductible: Homeowners policies usually result in a $ 500 discount. If you increase your deductible to $ 1,000 or more it may reduce your premium.

7. Kick the smoking habit: A non-smoker usually pays less for homeowners insurance, as it is a non-smoking home. There is greater risk of a possible economic fire. You not only kick the habit, you will pay a lower premium and also see the added benefit of a healthier life.

8. Consumer faith: If you talk with your insurance company for a while, you may qualify for discounts of up to 10%. In insurance, as most companies are pleased to retain excellent customers, and if they find that you are a excellent customer, you may get an extra discount.

9. Know your policy:. If you sold pictures or gave away jewels worth you can update the policy and you’ll delight in a reduced rate.

10. Update information: Inform your home insurance companies of recent changes such as marriage, a security system or if you stop smoking. Updated and accurate information can lower your premium.

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Learning About Manufactured Home Insurance

Purchasing a Manufactured Home Insurance demands a different approach from the conventional home insurance that people usually encounter. The main reason for this is thatthe two properties differ are differentin so many ways. Before making any plans on purchasing insurance for your new or existing home, it is smart to know its nature. This will better enable you to choose the best plot. Here are some areas that you must know:

The Nature OfA Manufactured Home

The first thing you need to know about Manufactured Home Insurance is that insurance companies look at mobile or factory built homes differently. According to FEMA, a mobile home must meet the same requirements as aconventional home and must also be elevated or attached to a permanent foundation. Recreational vehicles are not considered as manufactured homes.

Reasons Why You NeedA Special Insurance Policy

You need a special policy to ensure that you are getting the best coveragefor your home. Generally, insurance for mobile homes is a small more expensive. This happens because of the risk factor involved. Manufactured homes are not as sturdy as conventional homes and they are simpler to be ruined by natural disasters. Aside from that manufactured homes are unique andtheir structure is a small more complex, requiringmore maintenance than conventional homes.

What To look For In Your Insurance Policy

When you start scouting for insurance, Be surethat it covers the repair and maintenance of yourhome and pays for your personal belongings when your home is hurt by acts of nature, fire or vandalism. It should provideaccidental and medical coverage to the members of your family. The policy should also offer a personal liability protection in case someone who is not a part of your immediate family gets injured in your home. You always want tolook for insurance companies that offer lower costsbased on your home’s condition. Having security and safety devices like smoke detectors and burglar alarms will give you a discountsince it provides better security. Another thing to look for is flood and earthquake coverage since some insurance companies do not include these in their policy. Homeowners reallyover look this type of coverage but it is better to be prepared for the worst, just in case it does occur.

How To Start

The simplest way to start searching for the best manufactured home insurance policy is to search the web for your initial assessment. Insurance websites usually offer detailed information on their coverage and are more than willing to answer an email inquiry for specific questions. It’s also better to look for a company that specializesin these types of insurance policies. Once you do that you will receive better coverage and lowercosts. Some providersmay not have any specialrates for your home. Contacting an insurance quoting company is a fantastic way to find the cheapest home insurancefor your new or existing mobile homeowners policy. The cost is usually free and you will certainly get a better deal.

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Everything You Need to Know About Creating Different Types of Formal Gardens

In strict terms, a formal garden is one that is entirely symmetrical, with one side mirrored by the other in a highly plotted geometric pattern. Although there are many gardens of which this is right, formal gardens have now also come to signify a design that is laid out with a degree of geometry and regularity, and with stylised planting – not necessarily with mirror images.

From the simplicity of a lawn punctuated by a single island bed to the complexity of an intricate knot garden, many types of formal garden may be plotted. But simple they may be, formal designs are typically ordered and elegant, well proportioned and balanced, and often strongly symmetrical or patterned.

Features typically include straight paths, closely mown lawns, borders defined by low hedges or edging plants, neatly clipped hedges or topiary, framed vistas and focal points, formal bedding in blocks of strong colour, and, on occasion, knot gardens and parterres.

Formal gardens require very regular and precise maintenance and are usually very labour-intensive. The more regular the design, the more any slight flaws will stand out.

The Principles of the Formal Garden Style

Many historic gardens were formal in design, and geometry has been used in garden styles from the very earliest times. Persian and Egyptian gardens relied on a formal structure of hard landscape, often within a courtyard, in which planting, pergolas and water features would be laid out in a symmetrical pattern. The fantastic Moorish gardens were largely formal, as were the sumptuous gardens of Renaissance Italy.

These gardens echoed the architectural styles of the day, and were designed to supply a strong visual connection between garden and house. In fact, any garden should do just that, but a formal style typically relies more heavily on the adjoining building for its inspiration. If the architecture of the house is classical, then formality in the garden should reflect this with features such as stone or gravel paths, parterres, stone paving, balustrading, formal pools, clipped hedging and framed views.

Of course, a building does not need to be classical to have an adjoining formal garden, but it does need to be a building with some character of its own. In this way, a formal garden could suit a Georgian house or a Victorian villa, but it could also suit a modern architect-designed building, reflecting the regularity of the house and providing a harmonious link between the inside and outside. But, a formal garden is less likely to work well with a pre-war semi or a developer’s house on a modern estate. These tend not to have a balanced facade or strong layout, so an asymmetrical design would probably look, and certainly feel, more comfortable in these cases.

A feeling of formality may be achieved by making classicism and symmetry in simple ways: by planting two or a number of symmetrically placed trees; by placing pots or urns on either side of a gateway; or perhaps by positioning clipped shrubs to flank a front door.

Such a strictly architectural style requires that plants be used to emphasise and embellish rather than dominate. Hedging, which can be close clipped, is the often one of the most vital features of the formal garden. Many hedges are made from clipped and severely restricted trees, for example, limes can be ‘pleached’ to make a narrow hedge on clear trunks or ‘stilts’. Fruit trees, carefully pruned for the purpose, can also be used to form linear barriers, and window-like holes can be even be carved into these hedges to make clairvoyees.

Formal gardens rely heavily on surfaces for much of their impact, and the lawn is vital for this reason. Colours are often muted in the formal garden, with green predominating, and the lawn acts as a subtle foil to other shades of green, such as the black-green of yew.

Strictly speaking, plants should not be allowed to spill over on to hedges and paths, or otherwise break up the strict architectural lines of the garden. But, some gardeners bend the rules and plant informally within the formal framework. This often involves planting drifts of flowers in the borders, and using a larger range of plant material than would be strictly appropriate for the traditional formal garden. This method of planting undoubtedly softens the impact of the formal lines, but that loss is often compensated by the splendour of the plants.

Classical Gardens

The formal gardens of ancient Rome and Greece were the inspiration for the impressive palatial and villa gardens of France and Italy in the 17th and 18th centuries. The essential qualities of these classical gardens are their strong symmetrical and architectural designs, which closely follow the scale and proportion of the building that they adjoin.

Italianate gardens are often set on elevated sites, with terraced gardens and flights of steps leading to long, shaded walks, cascades, fountains and canals. The cooling effects of water and avenues or canopies of trees are all part of the pleasures of these gardens, especially in the hot, Mediterranean climate.

The terraces might contain parterre designs with symmetrically positioned topiary pyramids or obelisks and box-lined scrolls of flowerbeds. Other typical features include balustrades, statuary, and well-proportioned vases or urns for ornamental plants.

Colour is generally limited to the dark green of the plants, the pale colours of the stone and gravel, and the white waters.

Many of these classical features may be integrated into contemporary garden designs to make a sense of grace, formality, and ordered tranquillity. Even in a relatively small area, the careful consideration to proportion, scale, balance, and harmony seen in classical gardens may be reproduced to make a simple, effective design.

Knot Gardens

Knot gardens were particularly well loved in the 16th century, and took the form of abstract patterns and interlacing bands containing coloured plants, sands or gravels, marked out and framed by low hedges.

They were grown with a variety or aromatic plants and culinary herbs, such as Germander, marjoram, thyme, southernwood, lemon balm, hyssop, costmary, acanthus, mallow, chamomile, rosemary, Calendulas, Violas and Santolina. Most knot gardens had edges made from Box (Buxus sempervirens), whose foliage has a sweet smell when bruised.

The patterns often took their inspiration from the knots and strapwork patterns of English Elizabethan and Tudor plaster ceiling decorations and needlework. So that this intricate detail can be truly appreciated, knot gardens are often best viewed from above, and they should be designed so that can be seen easily from a house window or raised terrace.

Given the right setting and a well-drained, level site, knot gardens are not hard to make and are straightforward to maintain. The patterns should be kept simple; this will ensure a pleasing design, and ensure that maintenance will not be too time-consuming.

Some suitable plants for the hedges include cotton lavender (Santolina chamaecyparissus) and dwarf box (Teucrium chamaedrys). If you choose to use plants rather than coloured sand or gravel to fill in the areas between the hedges, choose those that are in keeping with the character and scale of the design; as a rule, low-growing plants are suitable, although more unusual plantings, for example, succulents such as houseleeks (Sempervivum), may also he considered.

Do bear in mind that any weeds that appear on the gravel surfaces should be removed by hand, as weedkillers could hurt the shallow-rooting hedges.

Parterres

A parterre is a formal garden construction on a level surface consisting of planting beds edged in stone or tightly clipped hedging and gravel paths, arranged to form a pleasing pattern. Often confused with knot gardens, parterres are larger in scale, and consist of ambitious and complicated designs, with flowering, scroll-like patterns or symbolic themes.

The pattern outlines are typically formed from low hedges of box, with the area in between the hedges filled with dense, colourful bedding plants, gravels of different hues or plants with muted pastel shades. There may also be evergreen shrubs trimmed into precise globes or pyramids, and other clipped, formal shapes in box or yew. A parterre should always be in scale with the size of the house or adjacent terrace.

Parterres became very well loved in the Victorian and Edwardian periods, especially in public gardens and parks, where they were transformed into extravagant bedding schemes and complex floral displays.

Topiary

Topiary is the art of making sculptures in the medium of clipped shrubs and sub-shrubs. The word derives from the Latin word for an ornamental landscape gardener: topiarius. For over 2,000 years, the art and craft of topiary has been practised in gardens; with time, patience, and suitable plants, “living sculptures” can be produced.

Topiary is often used in formal gardens to add shape, height, and sculptural interest; well-clipped pyramids, columns or spirals are used to emphasise the proportion and symmetry of a design. A single piece of topiary can provide a strong focal point, whilst several clipped trees or shrubs can supply the garden with a design cornerstone.

Simple, geometric shapes such as cones or spheres are usually the best forms of topiary for a formal or classical garden, although more whimsical styles such as animals, birds, or objects (such as chess pieces) can add a lively and witty touch. These more elaborate forms may be suitable in both formal and informal gardens, depending on the style, but would be out of place in a wild or naturalistic garden setting.

Slow-growing, dense evergreen plants are the best sources for topiary, such as cultivars of box (Buxus sempervirens), bay laurel (Laurus nobilis), yew (Taxus spp.), myrtle (Eugenia spp., Myrtus spp.), holly (Ilex spp.) and privet (Ligustrum spp.). Ivies (Hedera) may also be clipped and trained over frames to form various shapes.

Sunken Gardens

Changes of level, even relatively small ones, can provide fascinating features in a garden. A well-plotted sunken garden can add a feeling of adventure and space, as well as bringing another dimension to the design.

Traditional sunken gardens were usually rectangular or square, enclosed by walls, and bordered by paved paths or raised grass so that they could be seen from above. The layout was typically simple and geometrical, with flowerbeds divided by a symmetrical framework of walkways and paths, perhaps with a central sculptural feature, such as a sundial or fountain.

As they are lower than the rest of the garden, sunken gardens are often secluded and sheltered, with a secret, sanctuary-like quality that is particularly restful and appealing. Formal bedding, herbs, and roses lend themselves particularly well for use in sunken gardens.

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Everything You Need to Know About Creating Different Types of Formal Gardens

In strict terms, a formal garden is one that is entirely symmetrical, with one side mirrored by the other in a highly plotted geometric pattern. Although there are many gardens of which this is right, formal gardens have now also come to signify a design that is laid out with a degree of geometry and regularity, and with stylised planting – not necessarily with mirror images.

From the simplicity of a lawn punctuated by a single island bed to the complexity of an intricate knot garden, many types of formal garden may be plotted. But simple they may be, formal designs are typically ordered and elegant, well proportioned and balanced, and often strongly symmetrical or patterned.

Features typically include straight paths, closely mown lawns, borders defined by low hedges or edging plants, neatly clipped hedges or topiary, framed vistas and focal points, formal bedding in blocks of strong colour, and, on occasion, knot gardens and parterres.

Formal gardens require very regular and precise maintenance and are usually very labour-intensive. The more regular the design, the more any slight flaws will stand out.

The Principles of the Formal Garden Style

Many historic gardens were formal in design, and geometry has been used in garden styles from the very earliest times. Persian and Egyptian gardens relied on a formal structure of hard landscape, often within a courtyard, in which planting, pergolas and water features would be laid out in a symmetrical pattern. The fantastic Moorish gardens were largely formal, as were the sumptuous gardens of Renaissance Italy.

These gardens echoed the architectural styles of the day, and were designed to supply a strong visual connection between garden and house. In fact, any garden should do just that, but a formal style typically relies more heavily on the adjoining building for its inspiration. If the architecture of the house is classical, then formality in the garden should reflect this with features such as stone or gravel paths, parterres, stone paving, balustrading, formal pools, clipped hedging and framed views.

Of course, a building does not need to be classical to have an adjoining formal garden, but it does need to be a building with some character of its own. In this way, a formal garden could suit a Georgian house or a Victorian villa, but it could also suit a modern architect-designed building, reflecting the regularity of the house and providing a harmonious link between the inside and outside. But, a formal garden is less likely to work well with a pre-war semi or a developer’s house on a modern estate. These tend not to have a balanced facade or strong layout, so an asymmetrical design would probably look, and certainly feel, more comfortable in these cases.

A feeling of formality may be achieved by making classicism and symmetry in simple ways: by planting two or a number of symmetrically placed trees; by placing pots or urns on either side of a gateway; or perhaps by positioning clipped shrubs to flank a front door.

Such a strictly architectural style requires that plants be used to emphasise and embellish rather than dominate. Hedging, which can be close clipped, is the often one of the most vital features of the formal garden. Many hedges are made from clipped and severely restricted trees, for example, limes can be ‘pleached’ to make a narrow hedge on clear trunks or ‘stilts’. Fruit trees, carefully pruned for the purpose, can also be used to form linear barriers, and window-like holes can be even be carved into these hedges to make clairvoyees.

Formal gardens rely heavily on surfaces for much of their impact, and the lawn is vital for this reason. Colours are often muted in the formal garden, with green predominating, and the lawn acts as a subtle foil to other shades of green, such as the black-green of yew.

Strictly speaking, plants should not be allowed to spill over on to hedges and paths, or otherwise break up the strict architectural lines of the garden. But, some gardeners bend the rules and plant informally within the formal framework. This often involves planting drifts of flowers in the borders, and using a larger range of plant material than would be strictly appropriate for the traditional formal garden. This method of planting undoubtedly softens the impact of the formal lines, but that loss is often compensated by the splendour of the plants.

Classical Gardens

The formal gardens of ancient Rome and Greece were the inspiration for the impressive palatial and villa gardens of France and Italy in the 17th and 18th centuries. The essential qualities of these classical gardens are their strong symmetrical and architectural designs, which closely follow the scale and proportion of the building that they adjoin.

Italianate gardens are often set on elevated sites, with terraced gardens and flights of steps leading to long, shaded walks, cascades, fountains and canals. The cooling effects of water and avenues or canopies of trees are all part of the pleasures of these gardens, especially in the hot, Mediterranean climate.

The terraces might contain parterre designs with symmetrically positioned topiary pyramids or obelisks and box-lined scrolls of flowerbeds. Other typical features include balustrades, statuary, and well-proportioned vases or urns for ornamental plants.

Colour is generally limited to the dark green of the plants, the pale colours of the stone and gravel, and the white waters.

Many of these classical features may be integrated into contemporary garden designs to make a sense of grace, formality, and ordered tranquillity. Even in a relatively small area, the careful consideration to proportion, scale, balance, and harmony seen in classical gardens may be reproduced to make a simple, effective design.

Knot Gardens

Knot gardens were particularly well loved in the 16th century, and took the form of abstract patterns and interlacing bands containing coloured plants, sands or gravels, marked out and framed by low hedges.

They were grown with a variety or aromatic plants and culinary herbs, such as Germander, marjoram, thyme, southernwood, lemon balm, hyssop, costmary, acanthus, mallow, chamomile, rosemary, Calendulas, Violas and Santolina. Most knot gardens had edges made from Box (Buxus sempervirens), whose foliage has a sweet smell when bruised.

The patterns often took their inspiration from the knots and strapwork patterns of English Elizabethan and Tudor plaster ceiling decorations and needlework. So that this intricate detail can be truly appreciated, knot gardens are often best viewed from above, and they should be designed so that can be seen easily from a house window or raised terrace.

Given the right setting and a well-drained, level site, knot gardens are not hard to make and are straightforward to maintain. The patterns should be kept simple; this will ensure a pleasing design, and ensure that maintenance will not be too time-consuming.

Some suitable plants for the hedges include cotton lavender (Santolina chamaecyparissus) and dwarf box (Teucrium chamaedrys). If you choose to use plants rather than coloured sand or gravel to fill in the areas between the hedges, choose those that are in keeping with the character and scale of the design; as a rule, low-growing plants are suitable, although more unusual plantings, for example, succulents such as houseleeks (Sempervivum), may also he considered.

Do bear in mind that any weeds that appear on the gravel surfaces should be removed by hand, as weedkillers could hurt the shallow-rooting hedges.

Parterres

A parterre is a formal garden construction on a level surface consisting of planting beds edged in stone or tightly clipped hedging and gravel paths, arranged to form a pleasing pattern. Often confused with knot gardens, parterres are larger in scale, and consist of ambitious and complicated designs, with flowering, scroll-like patterns or symbolic themes.

The pattern outlines are typically formed from low hedges of box, with the area in between the hedges filled with dense, colourful bedding plants, gravels of different hues or plants with muted pastel shades. There may also be evergreen shrubs trimmed into precise globes or pyramids, and other clipped, formal shapes in box or yew. A parterre should always be in scale with the size of the house or adjacent terrace.

Parterres became very well loved in the Victorian and Edwardian periods, especially in public gardens and parks, where they were transformed into extravagant bedding schemes and complex floral displays.

Topiary

Topiary is the art of making sculptures in the medium of clipped shrubs and sub-shrubs. The word derives from the Latin word for an ornamental landscape gardener: topiarius. For over 2,000 years, the art and craft of topiary has been practised in gardens; with time, patience, and suitable plants, “living sculptures” can be produced.

Topiary is often used in formal gardens to add shape, height, and sculptural interest; well-clipped pyramids, columns or spirals are used to emphasise the proportion and symmetry of a design. A single piece of topiary can provide a strong focal point, whilst several clipped trees or shrubs can supply the garden with a design cornerstone.

Simple, geometric shapes such as cones or spheres are usually the best forms of topiary for a formal or classical garden, although more whimsical styles such as animals, birds, or objects (such as chess pieces) can add a lively and witty touch. These more elaborate forms may be suitable in both formal and informal gardens, depending on the style, but would be out of place in a wild or naturalistic garden setting.

Slow-growing, dense evergreen plants are the best sources for topiary, such as cultivars of box (Buxus sempervirens), bay laurel (Laurus nobilis), yew (Taxus spp.), myrtle (Eugenia spp., Myrtus spp.), holly (Ilex spp.) and privet (Ligustrum spp.). Ivies (Hedera) may also be clipped and trained over frames to form various shapes.

Sunken Gardens

Changes of level, even relatively small ones, can provide fascinating features in a garden. A well-plotted sunken garden can add a feeling of adventure and space, as well as bringing another dimension to the design.

Traditional sunken gardens were usually rectangular or square, enclosed by walls, and bordered by paved paths or raised grass so that they could be seen from above. The layout was typically simple and geometrical, with flowerbeds divided by a symmetrical framework of walkways and paths, perhaps with a central sculptural feature, such as a sundial or fountain.

As they are lower than the rest of the garden, sunken gardens are often secluded and sheltered, with a secret, sanctuary-like quality that is particularly restful and appealing. Formal bedding, herbs, and roses lend themselves particularly well for use in sunken gardens.

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