Archive for June, 2012
June 29th, 2012 | 
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If you are planning on buying a house or have one that you already own then you must consider getting home insurance. This insurance like all other types covers the expenses that you might incur in the process of repairs or replacements. The policy typically extends only on the actual structure of the house and on any structures that are connected to the primary structure like the garage, shed, etc.
There are primarily 8 different types of policies that come under this form of insurance. the first one is the Basic Homeowner’s Policy that protects the house against 11 different kinds of perils that include fire, lightning, windstorm, hail, vandalism, theft, damage from automobiles or aircraft, explosions, riots, volcanic eruption, smoke and personal liability. This kind usually excludes earthquakes and floods. The Broad Form policy includes named perils which means you need to list the perils against which the coverage will be offered.
The Special Form Policy is also termed “All Risk Policy”. In this type if the exclusions are not specifically named then everything is covered. In all these policies there is a clause for contents as well which is covered on the basis of named perils. The next type is the Renter’s Policy that covers the personal belongings of the tenant against the named perils like the contents clause of the above mentioned policies. The Premier Policy covers all the above mentioned perils and more. In this type there is an open perils clause in which if a particular peril is not specifically excluded it covers everything. The Condominium Policy is tailor made specifically for condos.
It is now doubt the real real estate market will slow down during the holiday season. This is good for realtors and real estate investors who have been working very hard to help clients buy and sell houses but not so good for buyers and sellers.
If you are in the market to buy a house, December and January can be a good time to pick up some great deals on a house because there are not many buyers. It can also cause an issue for home buyers because the number of available homes typically is lower during the holidays as home sellers don’t want to move during this time.
The cold weather also has an affect on the real estate market. The colder it is outside the less home buyers are out shopping for a great new home and the less number of open houses real estate agents hold. In months when the weather is warm the number of houses for sale increases and so does the number of sold homes each month.
Posted in House Information | 
Tags: divorce, family illness, foreclosure, House Information, job transfer, real estate market, relocation, short sale | 
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