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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 in the United States will you find the largest concentration of million-dollar homes?
A	There are almost 314,000 million-dollar homes in the United States, and 41% of these are located in California.
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Judy Copple Team, REALTOR®, real estate agent and broker for Georgetown, Round Rock and Cedar Park Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Judy Copple Team
Keller Williams Realty
1614 Williams Drive
Georgetown, TX. 78628
512-864-2500
512-439-3700
512-422-2613
Fax: 512-864-2502
Email: judycopple@NUMBER1EXPERT.com
Over 30 wonderful years of uniting buyers and sellers of Real Estate and repeatedly honored as one of The Austin Business Journal's "Top 50" Realtors. My own team of professionals will make your real estate experience a great one.

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