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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 home product makes lawn mowing easier than ever?
A	The Robomow, a robot lawn mower manufactured in the UK by Friendly Machines, can cut 6,000 square yards of lawn all by itself.
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Tom Follert, The Realtor who SELLS the Chicago Suburbs

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Tom Follert, REALTOR®, real estate agent and broker for Chicago Northwest Suburbs and Hoffman Estates Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Tom Follert
RE/MAX Accord
160 S. Bloomingdale Rd.
Bloomingdale, IL 60108
Direct: 630-213-2111
Office: 630-893-7860
Professional Service, Cutting Edge Technology and Experience produce the results for Tom Follert’s clients and put him above the crowd in today’s ever changing Real Estate Market.

Nearly a 20 year veteran in Real Estate and ranked in the top 1% Nationwide of all Real Estate brokers, Tom Follert’s philosophy is simple:

There is no substitute for Hard work, Experience and Knowledge. I give Buyers all the new listings every day with a market update and the information they require on schools and the community. All Sellers receive a full professional Marketing Plan with discounted fees, full internet exposure and advertising every day in diversified publications to produce results in a timely manner.

If Experience, Service and Results matter to you, then don’t trust just anyone with your Real Estate Investment. Contact me to find out how I can make your Real Estate Investment a Successful one. My experience in the Northwest Suburbs is second to none. Let me put my experience to work for you!

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