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Home Insurance in Oakland : Real Estate Advice

  • All870
  • Local Info78
  • Home Buying342
  • Home Selling52
  • Market Conditions32

Activity 5
Tue Apr 21, 2015
Heidi Marchesotti answered:
Depending on the quality and contract with your builder, there is a large range. If you are building for spec in partnership with a builder, then you share profits at the end and the cost to build is lower, generally between $150-$200 per square foot.
If you are looking to buy a lot and build a custom home for yourself, the construction costs will likely range between $150-$350- per square foot and that does not include architectural which can add to the cost significantly depending on who your architect is.
You can visit www.HomesByHeidi.com to see a list of service providers or feel free to call any time to discuss further.
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Fri Sep 6, 2013
Myra Tran answered:
Using public real estate website or go to City of Oakland/Building & Permit Department will give you full detail of your home.
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Mon Nov 28, 2011
John Arendsen answered:
I'd start with what you actually owe on your mortgage. The lender will dictate your policy coverage to that extent. They will want to be covered for 1009% of their note. But I certainlywouldn't stop there. I would also check into the market value in your neighborhood and gauge it to the comps you received on your appraisal. It's really not all that difficult. ... more
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Sat Mar 27, 2010
Rose Nied SHORT SALE REALTOR SPECIALIST IN HIGHER END HOMES answered:
Mario...do contact insurance brokers and get their help. They are there for that reason and that is their industry. Get referrals to good insurance agents in your area and give them a call. Compare notes, rates, etc. Google the companies and see what people say about claims...how quickly they settled, etc. Good Luck Rose Nied, Alain Pinel Realtors.... ... more
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Tue Aug 25, 2009
Scott Ward answered:
Bike Rider:

I think some of the folks below have answered your question pretty well –
I would add - having a decent amount of experience building through contractors, architects as well as on my own -is to be understand where in a project cost per sqf can go over the estimate. This could take place during the plumbing/drainage stage for example but most of the time it takes place during the “finishing stages” - IE plaster, cabinets, fixtures, top flooring etc. – being aware of this before you go into the project and to try and get some clarity around how this will be addressed (with your GC or arch.) before you start the project.
Lastly, make sure you speak with an insurance agent about what the replacement value is per sqf. as this too needs to be weighed into what type of project you may be willing to get yourself involved with - for example, if you build at $450.00 per sqf. and your insurance agent will only insure $350.00 per sqf (for new construction) you need to have a policy that covers the gap.
Good luck - and feel free to ask me any further questions.
Scott
www.scottward.me
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