In the 200k to 300k range you're going to be hardpressed to find a waterfront property. However, that being said, there won't be a huge differnce in homeowners insurance between the two price points, but waterfront versus inland there will be. Also the cost of maintaining/building waterfront is more costly. Homeowners insurance is best quoted by and insurance professional, but my best guestimate would be approximately 800 to 1000 inland and probably twice that for waterfront. If you need help finding a home I'm happy to assist and know Falmouth extremely well and can provide you with some guidance on what is and what's not a good buy. Call or text anytime 774-353-7129.... more
What is your question?
Contact your insurance agent and make sure your premium is covered through next August with no balance due. If that's the case, then go ahead and deposit that check in your account.
It's possible that the premium was paid twice. Does your HUD-1 settlement statement show a line item for the full first year premium, even though you prepaid it? If so, then you were double charged and this is a refund. If your lender actually disbursed the funds from your escrow account, then you may want to hold onto that check because there will eventually be a shortage in your escrow account when they go to pay the premium next year.
There are a number of things that could have happened, but those are the most likely.
Hope this helps!... more
I have a full list of companies at my website. Please visit http://www.kellykleinsoldmine.com and then click on the Local Resource button at the top and then scroll down to Insurance category.
Glad to help.
Have a great day.
Lifeguard Real Estate, Inc.
Here is an LA Times article relating to what you are asking:
Hope it helps you in your decision.
Congratulations on your new house!... more
The NFIP (Federal Flood Program) insurance policy has changed dramatically. The new rating system requires the homeowner to have an elevation certificate. They are done by "a Licensed Land Surveyor, Registered Professional Engineer, or Registered Architect who is authorized by State or local law to certify elevation information." If you do not have a certificate you pay the standard rate without any discounts for elevation. You can call FEMA and they will refer you to a local agent to provide you with a quote. Many people who can't afford to get a certificate done and/or don't have the time to get one done are going to alternate markets. We actually had a client with an elevation certificate and they were below the flood zone base elevation so the NFIP rate was $3300 a year. We found an insurance company willing to write the flood insurance for $1500 a year. Shop around and get educated because the coverage and the premium you pay are important. Especially if you are in a flood zone.... more
Every insurance policy is different, so all anyone here could do is guess. If I were in your shoes, I'd call my agent and ask what they suggest. My agent has been very helpful and frank. Sometimes, the deductable makes it not worth the effort, other times it's clearly the way to go. A discussion with your insurance agent is not filing a claim, unless you decide to make the formal claim.... more
As in most areas, homeowners' insurance rates vary widely depending on the size, location, age, and construction of a particular property. Therefore, it would be unwise for anyone to give you an estimate of homeowners insurance rates without knowing the the type of property you're interested in, or where it is located in Pensacola. For example, properties located in close proximity to waterfront should have much higher homeowners' insurance rates than properties located in more norther parts of Pensacola or Escambia County.
If you have a particular property or area of town you're interested in, please email or call me and I can have a reputable, local insurance representative provide you with quotes.
Weeks Realty, Inc.
Cell (850) 380-0571
Email: firstname.lastname@example.org... more
I found a sale for this property that happened in March 2012. Just need an email address to send to...Please let me know how I can help with this information.
AAA is a membership organization so if you want their policies you have to sign up.
As well as your cost for the insurance, which ever insurance company you go with, you want to look at how strong financially they are and how well they handle claims. So if you need to pay $57 for the membership, add it to the cost of the policy & see if it still is a good value for the insurance policy they are offering you.
On a side note: I do not in any way get compensated from AAA to say that I love my AAA membership and feel that I have gotten my moneys worth out of it; not just from their services but also the discounts that I qualify for at other merchants (after initially signing up for their basic membership, I even upgraded it because of my satisfaction) and my husband has never had to file any claims but he has his motorcycle insurance through them & found that their policy coverage was the best value for his needs.... more
Sounds like you have a complicated situation, one that is too complicated to get an answer from a real estate site. You may want to contact a real estate attorney so you get the proper advice.
Here is the definition of a Warranty Deed: http://en.wikipedia.org/wiki/Warranty_deed... more
When you have already been local rental some sort of $35, 000 car with regard to $350 every thirty days with regard to three years as well as switch the vehicle with having a residual worth connected with $10, 000 after that meaning you have to find a a low interest rate bank loan with regard to 3 or 4 Cheap Company cars many years in order to which 10 awesome. http://www.affinityvehicleleasing.com... more
You should still have to get something from the court as to who is responsible for settling the estate. A lawyer would know what they are called, but if the estate is not large enough to warrant the expense of an attorney, call your local county courthouse and ask for some guidance.... more
I am no insurance agent, but why would the insurance company not release if you can show proof you are the new owner? This seems a bit outrageous. You may want to use a scare tactic with the company and ask an attorney to do a letter. Best of Luck !... more