MAKING A POSITIVE DIFFERENCE IN PEOPLES LIVES." We hope that every client will profit personally and financially from our representation.
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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.
The Breen Elia Team RE/MAX Exclusive Properties 2951 N. Lincoln Ave Chicago, IL 60657 Toll free: 866-404-3585 Karen's cellular phone: 773-230-4294 Louis's cellular phone: 773-230-4293 Direct Office: 773-327-2404 Fax: 773-938-1467 Email: TheBreenEliaTeam@NUMBER1EXPERT.com Email: kbreen@chicagocityhomes.com
The Breen Elia Team are real estate consultants, unlike most agents who are real estate salespeople. Our mission statement is "MAKING A POSITIVE DIFFERENCE IN PEOPLES LIVES." We hope that every client will profit personally and financially from our representation. Our commitment to you is enduring. We hope to be hearing from you soon.
You can find great local Chicago, IL real estate information on Localism.com Karen Breen Elia ChicagoCityHomes is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.
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