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First Time Buyers >Insuring Your Home
Many home buyers are concerned about whether they have an insurable interest in the property before the actual closing. The answer is an unqualified "yes". Although the buyer is not yet the recorded owner of the property, he or she has an insurable interest in the property as soon as the agreement of sale is executed by both the buyer and seller.
Should you get hazard insurance before the closing? It depends. Buyers do not usually insure a property until the title passes to them from the seller. However, it's wise to know what the agreement between you and the seller stipulates with regard to insurance.
Most agreements state that the property will be insured for a specific amount. This is very important to both parties. From the buyer's point of view, it is also critical that an adequate sum or full replacement value be stipulated. Watch out for agreements which read "as now insured". This is an all-too-common practice which usually indicates that the seller does not to want to increase inadequate insurance coverage.
Tracey Saizan Keller Williams 9355 East Stockton Blvd. Suite 210 Elk Grove, CA 95624 Contact Number: 916-761-8180 Nicole, Personal Asst: 916- 480-8335 Fax: 916-405-5701 Email: tracey.saizan@frontiernet.net
Tracey Saizan received the Chairman's Circle Award in 1995 for being in the top 1% NATIONWIDE. Her credits go on to include being a Gold Circle Million Dollar Producer and having her Certified Residential Specialist designation. She is known in the industry for her aggressive approach to assisting clients, and utilizes today's technology to the fullest to better serve her buyers and sellers. Tracey serves as the President of SAR and is a director for CAR and NAR, and therefore is held in high regard for her ethical standards and integrity. She is highly qualified to meet all of your real estate needs.
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