For homeowners, insurance is an inescapable expense that can quickly add up when stacked on top of other financial obligations like a mortgage, property taxes and utilities. That's why it's important to make sure you're getting the best deal possible – even a few small discounts applied to your premiums can turn into huge savings over time.

It's important to be honest with yourself about space needs, expectations, lifestyle and budget when looking to upgrade or renovate your small kitchen.

Both Steve Francis, owner of Aspire Renovations, and Karen Allbright, owner of organizational design company Calm Order, agree homeowners must plan well to ensure changes to the kitchen improve its function.