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Real Estate Tips
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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Real Estate Trivia
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What is considered to be one of the soundest long-term investments?

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Real estate has a long-term record of strong investment return and is a driving force of the national economy.
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Exit Realty Keystone, REALTOR®, real estate agent and broker for Baton Rouge, Prairieville/Gonzales and Denham Springs/Walker, Louisiana home listings, property and land for sale - NUMBER1EXPERT

Exit Realty Keystone
Exit Realty Keystone

5841 South Sherwood Forrest Blvd.
Baton Rouge, LA 70816
225-293-0001
Fax: 225-293-0002
sharlasossamon@NUMBER1EXPERT.com


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