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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Laura Brockway, a proven Westfield, Mountainside and Scotch Plains, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.
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School Reports in Westfield, Mountainside and Scotch Plains, New Jersey

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Schools in Westfield, Mountainside and Scotch Plains

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 place is known as "America's Stonehenge"?
A	A 4,000 year-old stone constructed megalithic site located on Mystery Hill in Salem, Massachusetts.
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Laura Brockway, REALTOR®, real estate agent and broker for Westfield, Mountainside and Scotch Plains, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Laura Brockway
Keller Williams Realty Premier Properties
488 Springfield Avenue
Summit, NJ 07091
908-456-3093
Fax: 908-928-1094
LauraBrockway@NUMBER1EXPERT.com

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