Insurance

5 Biggest Home-Buying Fears

Posted by on Oct 28, 2015 in First Time buyers, Home Buying, Insurance, Real Estate | 0 comments

Buyers’ biggest real estate fears sometimes hold them back from buying throughout the year. The scary thing is, these fears are sometimes well-founded. Here are some of the issues that commonly keep home buyers awake at night, and what you can do about them. “The house has a cracked foundation, dry rot, or a leaky roof” Renovating, fixing and repairing are on few buyers’ wish lists. When faced with the home of their dreams, they fear the inspection. What if there is dry rot, or a roof or foundation issue? Most homes will need routine maintenance, and a good inspector will point this out. But...

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Why You Shouldn’t Hate Your Homeowners Association Dues

Posted by on Oct 23, 2015 in Home Buying, Insurance, Real Estate, Tips | 0 comments

If you buy a house in a planned development, a subdivision or a gated community, you’ll likely have to join a homeowners association (HOA). Which means you’ll be faced with the prospect of paying annual dues. Condo owners often face these fees, too. No one expects you to be happy about these payments, especially when they often come due right after the holidays. And it’s true that the dues can be spent for seemingly trivial events such as neighborhood parties, and that management fees for the associations can be steep. The HOA can make and enforce rules such as what colors houses can be...

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How Credit History Affects Home Insurance Premiums

Posted by on Apr 1, 2015 in Credit, Insurance | 0 comments

Want to know a (mostly) secret way to lower your home insurance premiums? One that could also reduce your mortgage and even affect how much you pay for your car and car insurance? It’s really not a secret, nor is it magic. It’s something anyone can do: maintaining a good credit score.   Your credit history affects more than your credit You likely know and understand how your credit history figures into the decision when you apply for a credit card or try to open an account at a clothing or furniture store. The credit card company or store wants to make sure you have a history of paying your...

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