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For Sellers: Omaha Nebraska home buying, real estate listings, and homes for sale in Sarpy County, NE

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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	Where will you find the world's most unusual golf course?
A	The only golf course on the island of Tonga has 15 holes, and no penalty against the golfer whose golf ball is stolen by a monkey.
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Peg Maloney, REALTOR®, real estate agent and broker for Omaha Nebraska home listings, property and land for sale - NUMBER1EXPERT(tm)

Peg Maloney
RE/MAX Real Estate Group
9805 Giles Rd
Omaha
Ne 68128
402-598-3965
800-248-6647
402-594-2000
Fax: 402-593-0454
peg@maloney.com
Licensed to sell real estate since 1982, Peg has been selling the entire Omaha metro area, including Papillion, Millard, Bellevue, Ralston, and Offutt Air Force Base. With a proven track record, and references from many satisfied buyers and sellers, Peg gives extraordinary service to families coming to or leaving Omaha. She has become a Certified Distressed Property Expert, a Certified Relocation Specialist, an Accredited Buyer Representative, a Certified Luxury Homes Marketing Specialist, a 203K Rehab Loan Specialist, a member of the Real Estate Cyberspace Society and a Seniors Real Estate Specialist. You'll enjoy the process of buying or selling because Peg makes it so easy and fun!

www.omahanebraskahouses.com is brought to you by Peg Maloney
NUMBER1EXPERT™ in real estate for Omaha, Nebraska

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