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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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What famous American building was originally built in 1792, burned and rebuilt 1814-1818 and restored in 1952?
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The White House in Washington, D.C., modeled after an Irish palace, is a sumptuous example of post-colonial architecture. |
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Pilar Moscoso, Broker - Realtor
The Moscoso Real Estate Group
Keller Williams Realty Partners SW
2000 NW 150th Avenue, Ste 2000
Pembroke Pines, FL 33028
Phone: 954-438-0345
Fax: 954-237-0401
pilar@moscosogroup.com
In today´s dynamic and complex market, home buying and selling demands more experience and knowledge than before. That is why you need a highly trained professional on your side, with the skills to help you achieve your goals and protect your principal investment.
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