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Ask Anything:Bellingham, Ferndale and Sudden Valley Washington home buying, real estate listings, and homes for sale in Whatcom County County, WA

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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 does the term Curb Appeal mean?
A	This term describes how homes look from the street; this first impression is very important to prospective homebuyers.
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Nancy Braam, REALTORŽ, real estate agent and broker forBellingham, Ferndale and Sudden Valley Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Nancy Braam
RE/MAX Whatcom County
913 Lakeway Drive
Bellingham, WA. 98229
800-723-1313 x 3026
360-303-7785
360-647-1313
Fax: 360-671-8022
Email: info@nancybraam.com
Nancy has been a full time Realtor for 20 years. During that time she has been awarded top salesperson awards for her office, for Whatcom County and the RE/MAX top ten in the Northwest Region. Her background is in all phases of residential real estate, from land development to new construction and re-sale homes. A fifth generation Bellingham resident, Nancy has personally moved over 30 times. She understands the problems and satisfaction related to property ownership and transfer as both a buyer and a seller. Nancy is known for her creativity in marketing and her tenacity in complicated real estate transactions. In order to constantly upgrade the level of service she provides to her clients, Nancy is committed to actively increasing her knowledge and skills in all areas of real estate sales and marketing.

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