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Welcome! Here You Can Find Great Information on York, Dover, Manchester and West York, Pennsylvania Real Estate

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Buying and selling a home is one of the biggest events in your life. As top York, Dover, Manchester and West York real estate agents, we have the experience and track record you are looking for. Please let us help.

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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 document must lenders provide within three days of receiving your application for financing?
A	The "Truth In Lending Disclosure Statement" will give you complete financial information about the loan.
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The Gregg Clymer Team, REALTOR®, real estate agent and broker for York, Dover, Manchester and West York, Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Gregg Clymer
Coldwell Banker Select Professionals
3601 East Market Street
York, PA 17402
717-751-1255
Fax: 717-735-2207
greggclymer@NUMBER1EXPERT.com

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