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Knowing that Buying or Selling a Home is a very important decision in your life, my guarantee to you is to give you the service that you need & deserve! If at any time you are not satisfied - all you need to do is call. You come first in my work - so if you're not happy, neither am I! Together we will work towards the perfect settlement and a happy move!

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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 economic factor can make the purchase of a home an excellent long-term investment?
A	Home price appreciation can result in a substantial return on the buyer's investment as a house increases in value over time.
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Martha Hilton, REALTOR®, real estate agent and broker for Lewisburg, Union and White Sulphur Springs, West Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Martha Hilton
RE/MAX Vision Quest
111 E. Washington Street
Lewisburg, WV. 24901
Phone: 304-645-7700
Fax: 304-645-4985
Email: marthahilton@NUMBER1EXPERT.com
Martha Hilton is the NumberOne Expert in the Greenbrier Valley area. Her clients & customers receive personal attention in order to achieve maximum results! Martha uses the newest in technology to give her clients the edge in the home buying or selling process. She makes it a point to make sure all are treated as she would want to be treated in a real estate transaction. Martha's credentials include being Owner of RE/MAX Vision Quest, ABR, CRS, GRI, e-Pro 500 - Newest technology designation for Realtors and she is a licensed Auctioneer in the state of West Virginia. Martha Hilton - Broker

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