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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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Baumgartner and Weir Team
Century 21 Bradley Realty Inc.
6718 East State Blvd.
Fort Wayne, IN 46815
Office: 260-486-6800
Judy's Cell: 260-403-1523
Clay's Cell: 260-433-7616
Toll-Free: 877-436-6800
Fax: 260-486-6000
BaumgartnerWeir@NUMBER1EXPERT.com
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The Baumgartner & Weir Team have pooled our strengths in real estate and office management to create a synergistic team with a full-time licensed media coordinator, Tammy McCoy, and a full-time licensed closing coordinator, Christi Roach.
The entire team has built upon the values of hard work, responsiveness, dedication and perseverance. We strive to handle all aspects of a client's home sale or purchase, leaving clients to focus on other important aspects of their relocation. We also embrace change and make it part of our ongoing strategy for growth.
We strive to be the best at what we do, now and in the future, we will continue to enjoy change, adapt to it and maintain client satisfaction.     
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