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Insurance >Hazard Insurance

Are you considering taking out hazard insurance on a property before you actually take title? It may be a good idea!

Even though you are not yet the owner of record, as the buyer, you have an insurable interest in a property the moment that you and the seller execute the sales agreement. As a matter of practice, however, buyers do not usually take out insurance until the papers change hands, and it should not be necessary if the agreement of sale is properly executed.

It is very important to both parties that the agreement states that the property will be insured for a specific amount. From the buyer's point of view, an adequate sum must be stipulated, and the agreement should not read "as now insured", which can indicate that the seller may not want to increase the insurance.

As a general rule, the amount of insurance on the buildings on a property should equal the sales price, less the value of the lot.

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Q	What price range is considered upscale or high-end in residential real estate?
A	The price range varies depending on the local market, but upscale homes are in the top 10% of an MLS area's annual home sales.
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The Reiter Group, REALTORŽ, real estate agents and broker for Spokane, Spokane Valley and West Spokane Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

XRE Spokane
Extreme Real Estate & Property Management
1614 W Riverside Ave Ste. 101
Spokane, WA 99201
Office: 509-789-8989
Fax: 509-624-2847
LeeAnn: lareiter@NUMBER1EXPERT.com
Miriam: Miriam@reExtreme.com
LeeAnn Reiter and XRE Spokane-Extreme Real Estate offer an exceptional back ground in Real Estate. We are Multi Million dollar producers who practice what we preach. We believe a high level of knowledge and putting YOUR needs first are key in Real Estate today. It is the objective of me and my team to have superior service and sound solutions to your complex needs. We will market your home utilizing the latest technology and a superb follow-up system. We pride ourselves on maintaining constant communication with our clients, other realtors, and potential buyers. My team and I update our clients consistently with all the activity of their home. I will assist you in obtaining the highest amount of money in the least amount of time with the least amount of hassel. The Reiter Groups well-diversified real estate knowledge will assist you with finding your next dream home or investment property. Our expert experience and proven track record will put you and your family in the community and home and/or with the builder that is right for you. New Construction,"Build your next dream home" Estate Living, investment property, "building a real estate portfolio", houses, duplexes/4-plexes, apartments, Foreclosures & 1031 tax exchanges. XRE Spokane cares about your real estate future. Experience XRE Spokane's turn-key approach to the home selling and buying process!

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