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From My Affiliates: Scotch Plains, Fanwood and Westfield New Jersey home buying, real estate listings, and homes for sale in Union County, NJ

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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 group of settlers introduced the log cabin to the New World?
A	The Swedish settlers of Delaware brought their own timber for building log cabins, a style that originated in Finland.
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Gina Suriano Barber, REALTORŽ, real estate agent and broker for Scotch Plains, Fanwood and Westfield New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Gina Suriano Barber
Coldwell Banker Residential Brokerage
209 Central Avenue
Westfield
New Jersey 07090
office: 908-301-2012
fax: 862-345-2936
mobile: 908-917-4577
ginasurianobarber@NUMBER1EXPERT.com
Gina Suriano Barber...Exceeding Expectations!
Gina is a top producer serving Union, Middlesex, and Somerset Counties. A lifelong resident of Union County, Gina specializes in the Westfield and Scotch Plains areas.
Real estate sales are proactive. Its not just putting a sign in the ground or waiting for the phone to ring. I offer my clients a competitive edge by staying abreast of the latest market trends and industry offerings. I stay in constant touch with my clients either directly or through the use of technology. You can be confident of my area knowledge and negotiating abilities with over 20 years of real estate experience, and over $10 million in sales annually. I can assist you with relocation, FHA,VA, foreclosures, and short sales, too. In an industry that recognizes high levels of achievement, I have been awarded numerous designations demonstrating my success. I have chosen Coldwell Banker Residential Brokerage as my company as it maintains my similar high standards. With products and services exceeding expectations, I can offer you the ultimate advantage - a top professional and the areas premier real estate company.

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NUMBER1EXPERT™ in real estate for Scotch Plains, Fanwood and Westfield, New Jersey

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