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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 was the world's highest viewing platform before the opening of the Empire State Building in 1939?
A	The Eiffel Tower, built between 1887-1889, was for 42 years the highest viewing platform in a man-made structure.
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Dale Joy, REALTOR®, real estate agent and broker for Harleysville, Lansdale, Skippack and Collegeville Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Dale Joy
RE/MAX 440
4092 Skippack Pike, PO Box 880
Skippack, PA. 19474
Direct: 610-584-8557
Office: 610-584-1160
Fax: 610-222-0444
Email: DaleJoy@Comcast.net
Whether you're buying your first house, building your dream house, or selling your third or fourth house-the financial and emotional investment is significant. Because every real estate transaction is different, the experience and professionalism of your realtor does make a difference. Dale Joy makes it his business to be the difference for his clients. As an inductee to the RE/MAX Hall of Fame Dale's achievements have been recognized as superior by the industry. But awards and recognition are only half of the story...over 500 satisfied clients tell the rest. Your real estate transaction deserves to be as important to your realtor as it is to you. To Dale Joy, it is.

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