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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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Janet Jurich, Broker Associate, Realtor
Keller Williams Realty
2206 Eastland Drive
Bloomington, IL. 61704
Phone: 309-825-2078
Email: JanetJurich@gmail.com
What makes Broker Janet Jurich a Top Expert in her area? It's easy! She has experience, knowledge, great negotiation skills and sincere dedication to her clients.
As a buyer's agent her negotiating skills are among the best. As a seller's agent she also knows the value of homes in the area and provides outstanding service to get your home sold for top dollar and shortest time on the market. Janet's in depth training includes courses such as Real Estate Practice, Financing, Real Estate Law & Escrow and Real Estate Appraisal.
Janet’s clients continually comment on her warm personality, patience and personal commitment in making their real estate transactions a pleasurable and worry free experience.    
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