Champaign, Urbana and University of Illinois, real estate and homes for sale in Illinois, new construction, investment property - Tom Cain, REALTOR® Tom Cain REALTOR(r) for Champaign, Urbana and University of Illinois, Illinois real estate, new construction, investment property - NUMBER1EXPERT™ Tom Cain NUMBER1EXPERT(tm) for Champaign, Urbana and University of Illinois, Illinois real estate, new construction, investment property
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Tom Cain, REALTORŪ, real estate agent and broker for Champaign, Urbana and University of Illinois, Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
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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Real Estate Trivia
Q 
During what great land boom (1919) did investors pay up to $25,000 for lots that had not yet been dredged up from the ocean?

A 
The Florida Land Boom--Carl Fisher founded Miami Beach that year and brought hundreds of investors to the state.
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Tom Cain, REALTORŪ, real estate agent and broker for Champaign, Urbana and University of Illinois, Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Tom Cain
RE/MAX Realty Associates

2009 Fox Drive, Suite G
Champaign, IL. 61820
Phone: 217-352-5700
Toll Free: 800-537-0217
Fax: 217-352-0108
Email: tomcain@NUMBER1EXPERT.com

Tom began his Real Estate career in 1989. He has been with RE/MAX Realty Associates since 1994. Since then he has received the Hall of Fame, 100% Club and Platinum award from RE/MAX International. In 2001 Tom was awarded #1 agent in the Region for closed transactions.

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