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December 1, 2023

Before You Buy That New Home

Before You Buy That New Home

by admin / Saturday, 20 August 2011 / Published in Homeowner's Insurance

So you are shopping for a new home. Congratulations! But before you take out that mortgage, be sure to check on a few insurance considerations, like these…

Is your soon to be new home in a flood plain?

You might not consider that cute little creek flowing through the back yard (or down the street) to be anything but a nice attraction. Unfortunately this beautiful little stream can turn into a property demolition machine under the right conditions. So, first things first – be sure your new home is not situated in a flood plain. If it is in any danger of water damage, be sure you know in advance the cost of such insurance.

Is it in a storm prone area?

Let’s face it, everyplace has its natural disasters. Every year we hear about a 100,000 acre wildfire or a dam or levee breaking. But it’s the things we don’t always hear about that you need to pay extra attention to because the reason we typically don’t hear them often publicized is because local residents are so used to them that it is almost commonplace.

There are the obvious ones like hurricanes in New England, earthquakes on the West Coast and tropical storms in Florida – but every place has its special considerations. That said, do a little extra research before locating to an unfamiliar area and get insurance costs up front. Finding out you need three additional types of coverage the week before closing is a surprise you can live without.

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