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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 is the busiest airport in the world?
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According to the Airports Council International, the Hartsfield International Airport in Atlanta, Georgia is currently the busiest airport in the world, serving 76.87 million passengers per year. |
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The Mike Carney Team
Keller Williams Realty
100 Canal Pionte Blvd. Suite 120
Princeton, NJ 08540
Cell: 609-647-8894
Office: 609-987-8889 x 200
Fax: 609-424-0273
Email: mc@mchnj.com
"The Mike Carney Team"
WITH YOU EVERY STEP OF THE WAY!
Recipient of the NJAR Circle of Excellence Award
(2006 through 2009)
Member of the Top Producers Association of Mercer County
 
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