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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	Which islands are considered the largest islands in the US?
A	The Hawaiian Islands with 10,456 square miles are followed by Kodiak Island in Alaska at 9,510 square miles.
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Cynthia Guerrero, REALTOR®, real estate agents and broker for Orlando, Windermere and Lake Nona, Florida home listings, property and land for sale - NUMBER1EXPERT™

Cynthia Guerrero, and Gabriela Coban
Castle Realty
4700 Millenia Blvd Suite 175
Orlando FL 32839
Cynthia's Direct Line: 888-500-7751
Gabriela's Direct Line: 407-492-0570
Cynthia's Email: CynthiaG@onebox.com
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