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School Reports in Portland, Beaverton and Lake Oswego, Oregon

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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	Which law allows a person to give another individual up to $10,000 a year without any tax consequences?
A	The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year.
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The Executive Home Team, REALTOR®, real estate agent and broker for Portland, Beaverton and Lake Oswego, Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

The Executive Home Team
Keller Williams Realty - Integrity Group
8305 SW Creekside Place, Suite C
Beaverton, OR 97008
Phone-Steve: 503-680-2065
Phone-Lisa: 503-680-2025
Fax: 503-336-7776
Email: Info@MoveThroughLife.com
Steve and Lisa Thoele of the Executive Home Team are dedicated to the success of their valued clients. Whether you are buying, selling or investing in real estate, you can rely on Steve and Lisa to help you move through life!

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