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Real Estate Tips
Insurance >Hazard Insurance

Are you considering taking out hazard insurance on a property before you actually take title? It may be a good idea!

Even though you are not yet the owner of record, as the buyer, you have an insurable interest in a property the moment that you and the seller execute the sales agreement. As a matter of practice, however, buyers do not usually take out insurance until the papers change hands, and it should not be necessary if the agreement of sale is properly executed.

It is very important to both parties that the agreement states that the property will be insured for a specific amount. From the buyer's point of view, an adequate sum must be stipulated, and the agreement should not read "as now insured", which can indicate that the seller may not want to increase the insurance.

As a general rule, the amount of insurance on the buildings on a property should equal the sales price, less the value of the lot.

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Real Estate Trivia
Q 
Where are church services held in the water each Sunday during July and August?

A 
At Half-Moon Bay, Ontario, worshippers gather in boats facing the natural stone pulpit, and hymnals are passed to the floating congregation by ushers in canoes.
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The Sheree Chang Team, REALTOR®, real estate agents and broker for Houston, Sugar Land and Missouri City, Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

The Sheree Chang Team
RE/MAX S.W. Houston, Tx.

14905 SW Freeway
Sugar Land, TX. 77478
Phone: 281-207-6888
Fax: 281-242-6754
Toll Free: 1-888-289-7679 ext. 5227
Email: Sheree@ShereeChang.com

ABReProGRIMLSREALTOR


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