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School Reports in Vancouver, Camas and Washougal, Washington

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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 high-profile rental property rents for $13,500 a month although the star hasn't lived there for over 20 years?
A	Shirley MacLaine's name is still used to promote her Encino, CA, estate even though she hasn't lived there in years.
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Ron Patterson, REALTOR®, real estate agent and broker for Vancouver, Camas and Washougal, Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Ron Patterson
Keller Williams Premier Partners
915 Broadway
Vancouver, WA 98660
Cell: 360-901-1199
Fax: 360-834-9152
Office: 360-693-3336
RonPatterson@NUMBER1EXPERT.com
Let Ron Patterson go to work for you - Top 5% in ALL of Clark County in production for 2009 Looking for a new home? Search everything the web has to offer, right here! Don't miss my Feature Homes. Need local real estate information? I've summarized much of what is important about the Vancouver, Camas and Washougal real estate market in this site... and I work ALL of Clark County Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As a top Vancouver, Camas and Washougal real estate agent, I have the experience and track record you are looking for. Please let me help.

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