Jack and Jill Need Insurance for Their Home: The Home Buyer Checklist You’ve Been Looking for (12 of 15)

Document of Homeowners Insurance Policy for backgroundJack jumped out of bed that Saturday to find Jill standing by the window of their tiny condominium, coffee in one hand the next checkpoint in the other.  “Oh, Jack, I know that all the check points are important, but this one really hits home.”  snickered Jill.  Jack laughed at her pun as she started to read..

#11 Research Your Home Insurance Options 

You have to have insurance for your home especially if you are purchasing it with a loan.  Your lender wants their investment to be protected and lets be honest, so do you.  You are looking for a homeowners policy and if you do not pick one your lender will and it will be much more expensive than any policy you would find on your own.  Do not wait until the Title Company asks for your insurance company, start shopping now.  Lots of insurance company’s will bundle car, life and home and give you a discount.  If you have never thought about changing your car insurance, now is the time to check out what is out there.  You’ll see lots of television ads and billboards, what do you really want from your insurance company?  Do you want twnty-four hour claim service, the ability to pay on line, the discount rate mentioned above.  Meet with your insurance agent and talk with them about this new step in your life, you may find that you don’t have as much coverage as you thought on your car or on yourself.  Yes, yes, yes, more homework and if you take the time now, if something bad happens in the future, you’ll be covered.

“WOW, that does hit home,” Jack said and they laughed at the pun again.  “If we didn’t have insurance for all those times you got hurt coming down that hill, I don’t know where we would be.”  Jill replied.  “I guess it’s time to review ALL of our insurance since we are on the home buying trail.”  Jack said.  And as they pulled their insurance files they were eager to read the next check point entitled:

“Jack and Jill: The Appraisal…The Home Buyers Checklist You’ve Been Looking for (13 of 15)”

We hope that you’re enjoying our series and that it helps you on your way to………………..

Live Life to the Fullest,

S.C.

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About Scott Culberson

Texas Real Estate Broker Associate, father of two, husband to one. Faith, family, friends and work, in that order. I work to live not live to work. My work environment is customized to the needs of each client. I am present for my clients and make sure I make their day. I'm an Eagle Scout and still believe in the values I learned so many years ago. Re/Max Northwest, REALTORS. My motto: "LIVE LIFE TO THE FULLEST"
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