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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 information does nearly every state in America require the seller of a home to reveal to the buyer?
A	Most states require disclosure of any existing problems or conditions that could affect the value of the house.
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Gary & Cindy Belhumeur, REALTOR®, real estate agent and broker for Denver, Arvada and Westminster, Colorado home listings, property and land for sale - NUMBER1EXPERT

Gary & Cindy Belhumeur, GRI, ABR, CSR, SRES, e-Pro
Home Source Group
7728 Vance Dr., Suite B
Arvada, CO. 80003
Toll Free: 866-295-4977
Local Phone: 303-429-1887
Fax: 303-412-5608
Email - Gary: Gary@HomeSourceInfo.com
E-Mail - Cindy: Cindy@HomeSourceInfo.com
Gary and Cindy Belhumeur are the NUMBER ONE AGENTS in the Denver Metro area. The Home Source Group, owned and operated by Gary and Cindy Belhumeur, is your "One-Stop Real Estate Source". Their experienced Realtors and professional support staff offer "Concierge" service to all of their clients. The Home Source Group represents Buyers or Sellers and offers comprehensive Relocation Services and Financing. Give Gary and Cindy Belhumeur a call and find out why they've been in the Top 1% of Denver Realtors for the last TEN consecutive years! The Home Source Group also specializes in Short Sales and Foreclosures and are HUD Certified Brokers.

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