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  • Why Sellers Choose Kelly-Anne Shoaf - Why home sellers in Medford Lakes, Marlton and Mount Laurel choose Kelly-Anne Shoaf.

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Real Estate Tips
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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Real Estate Trivia
Q 
In what real estate market are more than 90 percent of home sales cash transactions?

A 
Palm Beach, home to princes, politicians, and CEOs, has homes from 2,000 sq.ft. condos to 56,000 sq.ft. estates.
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Kelly-Anne Shoaf, REALTOR®, real estate agent and broker for Medford Lakes, Marlton and Mount Laurel, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Kelly-Anne Shoaf and the SJ AREA Homes Team
Prudential Fox & Roach Realtors

352 Stokes Road, Suite 1
Medford, NJ. 08055
Office: 609-654-1888
Mobile: 609-351-2125
Fax: 609-953-1714
Email: kellyanneshoaf@NUMBER1EXPERT.com

I have recently collected a team of top professionals to help you through every part of your real estate transaction. As web experts, we will help you buy or sell your home with the use of powerful marketing. First-time home buyers? We love you--we will take the time to answer every question and get you the best home for the right price. Call or email us today!

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