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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	What high-profile rental property rents for $13,500 a month although the star hasn't lived there for over 20 years?
A	Shirley MacLaine's name is still used to promote her Encino, CA, estate even though she hasn't lived there in years.
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Marina E. Ringstrom, REALTORŽ, real estate agent and broker for Charlottesville, Albemarle and Keswick Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Marina E. Ringstrom
Better Homes & Gardens Real Estate III
1568 Heathrow Lane
Keswick, VA. 22947
434-465-0035
434-817-9200
Fax: 434-295-5208
Email: Marina@MyCharlottesvilleHome.com
Are you looking for CHARLOTTESVILLE REAL ESTATE? Now is the time to buy. Interest rates are at their lowest in years and sellers are motivated! You've come to the right place. My market knowledge may very well be the Key to your new home. As a former real estate marketing director and copy writer I know what attracts buyers..... in addition, I believe in creativity and hard work.

My family and I love the Charlottesville area and have called it home since 1996. Since relocating from Manhattan by way of Stockholm, Sweden, I understand the meaning of home and will be delighted to assist you in finding yours.

Whether it's brand new construction, a previously owned property, golf course homesite or a trendy townhome downtown, beautiful Charlottesville has it all!

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NUMBER1EXPERT™ for Charlottesville real estate VA, Albemarle real estate and Keswick real estate, Virginia, luxury townhomes and new construction

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