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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 was the greatest land grant ever given to an English subject?
A	William Penn arrived in October, 1682, to take over his enormous grant that later became Pennsylvania and Delaware.
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The G4 Realty Team, REALTORŽ, real estate agents and broker for Charlotte, Lake Norman and Lake Wylie North Carolina home listings, property and land for sale - NUMBER1EXPERT(tm)

Chris Graham
The G4 Realty Team
4320 Sandy Porter Road, Suite 100
Charlotte, NC. 28278
Phone: 704-583-2330
Fax: 704-583-3172
Email: Chris@G4realty.com
Chris Graham is the owner of G4 Realty. G4 Realty is a full service real estate company. Helping owners and investors achieve their dreams. We work with residential buyers and sellers as well as residential and commercial investors. A large part of G4 Realtys business is generated through referrals and repeat business, a testament to our hard work and dedication. Chris believes that education is an important part of any real estate service. As well as taking his yearly continuing education classes, to date, he has earned his ABR and e-PRO designations. The Accredited Buyer Representative (ABR) designation is the benchmark of excellence in buyer representation. This coveted designation is awarded by the Real Estate BUYER'S AGENT Council (REBAC), an affiliate of the National Association of REALTORS, to real estate practitioners who meet the specified educational and practical experience criteria. An e-PRO is a REALTOR who has successfully completed the e-PRO internet professional training program for real estate professionals. Chris is only 1 of 9 REALTORS in Charlotte with both ABR and e-PRO designations! Chris is active in the community as a member of the Steele Creek Library Association Board of Directors and supporting and working with Carolina Panther Muhsin Muhammads M2 Foundation for kids. In addition, G4 Realty also provides support of various charities include The Battered Womens Shelter and Make-a-Wish foundation. We are building clients for life!

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