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Real Estate Tips 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. See All Tips In The "Insurance" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories > Real Estate Trivia Q  Fewer than 2 percent of homeowners build this type of home: A  Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu. See More Real Estate Trivia >

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Marilou Buffum Prudential Fox & Roach 97 Bethlehem Pike Philadelphia, PA 19118-2820 215-248-4050 thebuffums@NUMBER1EXPERT.com Marilou Buffum is your Chestnut Hill and Mt. Airy Expert. The community's top-selling team includes Marilou Buffum, Associate Broker (Pa.Lic..60244) and Sales Associates: Peter Buffum (Pa. Lic. 208103), Paula Seitchik (Pa. Lic.273926) and Rebecca Buffum (Pa. Lic. 310053). www.thebuffums.com is brought to you by Marilou Buffum, real estate for Chestnut Hill, Mt. Airy and Northwest Philadelphia, Pennsylvania Read Marilou Buffum's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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