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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 is encroachment, and how might it affect a property owner?
A	Encroachment, refers to the unauthorized intrusion of a building or improvement onto another person's property; it often requires a surveyor's report to support the claim.
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Karen Marshall & The Karen Marshall Group, REALTOR®, real estate agents and broker for Pittsburgh, Washington County and Allegheny County, Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Karen Marshall & The Karen Marshall Group
The Karen Marshall Group / Keller Williams Realty Pittsburgh South
1500 Oxford Drive, Suite #300
Bethel Park, PA 15102
412-831-3800
Fax: 412-831-9964
karenmarshall@NUMBER1EXPERT.com

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