Being Cedar Rapid's Listing and Selling Expert since 1993 by exceptional care and service. Kindly call me at: 319-350-SOLD.

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Just for you from the affiliates of our web site! Please take advantage of their expertise in your home buying experience!

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Ruth Pederson, Real Estate Lending Assistant Manager

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Tim Lamb, Home Mortgage Consultant

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Stately James/Custom Builder
Building Homes of Enduring Beauty

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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 is the world's longest frontier?
A	At 3,987 kilometers (3,987 miles), the border between Canada and the U.S. is the longest in the world.
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Heather Morris Realty Consulting, REALTOR®, real estate agents and broker for Cedar Rapids, Marion and Robins, Iowa home listings, property and land for sale - NUMBER1EXPERT™

Heather Morris Realty Consulting
Skogman
341 8th Avenue
Marion, IA 52302
Mobile: 319-350-SOLD
Fax: 319-373-0702
HeatherMorris@NUMBER1EXPERT.com
heather@skogman.com
Whether you are buying your first home or building your dream. Heather Ahrens will ensure that your best financial interest is protected. With her high volume of transactions and advanced training, she is named a Certified Residential Specialist in the top 4% of the nation’s realtors. With Heather Ahrens and her real estate team, you will have an enjoyable experience. Let Heather provide you with excellence in real estate.

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