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“You were such a pleasure to work with! We always knew we were in good hands. You are so professional and yet so kind. What a fantastic combination. It is so obvious you are a #1 agent!"

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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	Exactly how many islands are included in the group called the 1000 Islands?
A	There are actually 1,864 islands in the 80-mile stretch in the St. Lawrence River, between Ontario, Canada and New York State.
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Marilyn Denney Johnston, REALTOR®, real estate agents and broker for Franklin, Brentwood and Metro Nashville, Tennessee home listings, property and land for sale - NUMBER1EXPERT(tm)

Marilyn Denney Johnston Blankenship
The Marilyn Group, Fridrich & Clark Realty
5200 Maryland Way, #101
Brentwood
TN, 37027
Toll Free: 888-922-8317
Mobile***: 615-533-9377
Office 2ndary: 613-263-4803
Email: Marilyn@MarilynTheRealtor.com
Marilyn@NUMBER1EXPERT.com
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Selling or buying a home can be stressful. Whether you are a seller, buyer or developer, let me negotiate to save you money. Your needs and wants are important to me. Tell me your goals, I will listen and help you achieve them. Interest rates are great, why wait, let's get started today. TN License AB00287207

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