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Q: Why Do I Need Home Insurance?

A: It’s a big ticket item that self-insuring does not work for in most claims situations. If you buy a $150k home and it burns down, how easily would you be able to come up with the money to replace it?

Q: Who Is Responsible For Purchasing Title Insurance?

A: Customarily, in a residential transaction , seller pays for title insurance to protect the Buyer’s interest in the property and the Buyer buys a lender’s title insurance policy to protect the lender’s equity interest in the property.

Q: Do Real Estate Taxes Matter?

A: Make sure to fully understand the tax history of the property as well as what you will be expected to pay once purchasing the home. The home you are looking to purchase may have tax exemptions that you may not qualify for therefore increasing the taxes you are expected to pay.

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