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T.A. of Limerick, Title Insurance and Services
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Miller's Insurance (610)514-0209
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Real Estate Tips
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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Real Estate Trivia
Q 
Where is the world's largest art gallery?

A 
At the Winter Palace and Hermitage in St. Petersburg, Russia, visitors would have to walk 15 miles to see the 322 galleries which house almost 3 million works of art.
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Terese Brittingham and Thomas McCouch, REALTOR®, real estate agents and broker for Montgomery County, Berks County and Chester County, Pennsylvania home listings, property and land for sale - NUMBER1EXPERT™

Terese Brittingham and Thomas McCouch Sales Team
Keller Williams Realty Group

542 N. Lewis Road, Suite 100
Limerick, PA. 19468
Terese's Office Phone : 610-792-5900 x8101
Terese's Cell: 610-574-9271
Tom's Office Phone: 610-792-5900 x8102
Tom's Cell: 610--574-9272
Team Fax: 484-762-8157
Email: teresekw@gmail.com
Email: tmccouch@kw.com

Terese Brittingham - RM419528
Thomas McCouch - RS205607L

REALTOR


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