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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.

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Q	Where are church services held in the water each Sunday during July and August?
A	At Half-Moon Bay, Ontario, worshippers gather in boats facing the natural stone pulpit, and hymnals are passed to the floating congregation by ushers in canoes.
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Susan Gibson and Tammy Wiles, REALTOR®, real estate agents and broker for Waynesboro, Staunton and Harrisonburg, Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Susan Gibson and Tammy Wiles
Real Estate III
17 Parkway Lane
Fishersville, VA 22939
Susan 's cell: 540-487-1000
Tammy's cell : 540-487-3044
Fax: 540-886-5248
SusanandTammy@BuyValleyHomes.com
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