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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 was the world's highest viewing platform before the opening of the Empire State Building in 1939?
A	The Eiffel Tower, built between 1887-1889, was for 42 years the highest viewing platform in a man-made structure.
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The Gary Nelson Group, REALTOR®, real estate agents and broker for Flagstaff, Parks and Munds Park Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

The Gary Nelson Group
Russ Lyon | Sotheby's International Realty
2076 S. Woodlands Blvd Suite 101
Flagstaff, AZ 86001
Phone #: (928) 779-5966
Fax #: (928) 556-3100
E-mail: garynelson@NUMBER1EXPERT.com
Let our team of experts help with the purchase or sale of your home! We are a team of an Associate Broker, a Marketing Coordinator, a Transaction Coordinator, and a Buyers Specialist. Together we have over 50 years of experience in the Northern Arizona real estate market. This extensive experience is an invaluable resource to buyers and home sellers. A life-long resident of Flagstaff, Gary Nelson is an Associate Broker at Russ Lyon | Sotheyby's International Realty. He is a Certified Residential Specialist and also has the GRI, e-Pro and ABR designations. He has served as Chair of the Northern Arizona Multiple Listing Service in 1998 and was President of the Northern Arizona Association of Realtors in 2001. He presently is a director with both the Arizona Association of Realtors and the National Association of Realtors.

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