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Homeowner's Insurance
Rates on homeowner’s insurance vary. The higher your credit score, the lower your rates for this insurance. Be sure to shop around.
5 Things To Know About Title Insurance
Title insurance protects the holder from any losses sustained from defects in the title. It’s required by most mortgage lenders. Here are five other things you should know about title insurance.
- It protects your ownership right to your home, both from fraudulent claims against your ownership and from mistakes made in earlier sales, such as mistake in the spelling of a person’s name or an inaccurate description of the property.
- It’s a one-time cost usually based on the price of the property.
- It’s usually paid for by the sellers, although this can vary depending on your state and local customs.
- There are both lender title policies, which protect the lender, and owner title policies, which protect you. The lender will probably require a lender policy.
- Discounts on premiums are sometimes available if the home has been bought within only a few years since not as much work is required to check the title. Ask the title company if this discount is available.
What Is A Home Warranty?
A home warranty is a service contract, normally for one year, which helps protect home owners against the cost of unexpected covered repairs or replacement on their major systems and appliances that break down due to normal wear and tear. Coverage is for systems and appliances in good working order at the start of the contract.
Check your home warranty policy to see which of the following items are covered. Also find out if the policy covers the full replacement cost of an item. Plumbing, Electrical Systems, Furnace, Water Heater, Heating Ducts, Water Pump, Dishwasher, Garbage Disposal, Stove/cooktop/ovens, Microwave, Refrigerator, Washer/Dryer, Swimming Pool (may be optional).
Source: American Home Shield, www.ahswarranty.com, REALTOR® Benefits Partner