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From Our Affiliates: Westport, Weston and Fairfield Connecticut home buying, real estate listings, and homes for sale in Fairfield County, CT

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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	Upon completion this year, what will be the tallest residential building south of New York and east of Chicago?
A	Located in Biscayne Bay, Florida, the $120 million, 51-floor luxury condominium will be called The Santa Maria.
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Darcy Sledge, REALTORŽ, real estate agents and broker for Westport, Weston and Fairfield Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Darcy Sledge
Prudential Connecticut Realty
272 Post Road East
Westport, CT. 06880
Phone: 203-227-5117
Fax: 203-227-5619
Email: dsledge@prudentialct.com
Darcy Sledge brings the skills, background and expertise required in todays competitive real estate environment. Because she has extensive roots in Westport, Weston, Wilton, Fairfield, Southport and surrounding areas, she can make sure that her clients choose the right area for them. Darcy has held a senior position in the business world, bringing a high level of professionalism to her clients. Her experience is extensive, including recognition as among the top 3% of Agents nationally, and she has been recognized by Whos Who. Along with her staff, she makes full use of available technologies in all aspects of her work. Darcy's clients have consistently given her top ratings for unsurpassed service. Contact this award-winning Realtor for your real estate needs.

**Prudential Connecticut Realty is an independently owned and operated member of The Prudential Real Estate Affiliates Inc., and Prudential is a service mark of The Prudential Insurance Company of America.

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