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Home Insurance in Sacramento : Real Estate Advice

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  • Home Buying675
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Activity 9
Wed May 17, 2017
Chris LaPee answered:
Have someone come out to provide an estimate of the cost to repair your sewer pipes and to cut the roots of the tree to the property line. Then sue your neighbor.

Pretty straightforward. ... more
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Sat Aug 13, 2016
Lillytena answered:
Understanding Contractual & Warranty Rights. The sales process gives the buyer an understanding of what they will get for their money. New construction is an expensive consumer purchase. Builders know what consumers are looking to hear.
Web Reference:
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1 vote 9 answers Share Flag
Tue Sep 22, 2015
89jackmoore answered:
I am not completely sure about whether or not the insurance will cover this. I'm going to say that's probably a question for your insurance agent/provider. As for the police statement, of course! Definitely file a report whenever anything, especially something of such value, is stolen. You never know, maybe someone saw something suspicious and didn't think much of it. Always file when you're burglarized. ... more
0 votes 13 answers Share Flag
Sun Feb 9, 2014
Jeff Marr answered:
Akwidaa - when we write a mortgage insurance policy, there's a coverage factor involved, typically between 17-40%. The coverage is the percentage of the loan the lender will recover should they take back the home and file a claim with the MI company. The lowest risk borrowers can expect to get the lowest coverage factors, which affords them the lowest MI payments.

So the correct answer is: mortgage insurance covers only a portion of the loan amount, usually roughly 1/3

What a great business it would be if the lender could sell the home, receving all the proceeds, and have another company absorb the full loan...

Feel free to contact me if you'd like further details!

Best, Jeff Marr
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0 votes 6 answers Share Flag
Thu Jul 25, 2013
Teri Andrews-Murch answered:
I've had a lot of buyers and sellers use that plan, overall they've been happy, and if there has been problems usually the sales rep was able to resolve. I've attached a link to their website. ... more
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Tue Dec 18, 2012
Jim Walker answered:
I have been interviewing a lot of Hurricane Sandy Victims in the past few weeks... I strongly, strongly strongly suggest getting flood insurance. No exception to that if you are in a Sfhra flood zone such as A or V. but you should buy it even if you are in an x or a c in many cases. : More disaster damage comes from flooding than any other cause. Insure both the building and the contents And yes get the other coverage suggested by Cindy, Jamie and Sue. ... more
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Mon May 26, 2008
Erin Stumpf (Attardi) answered:
Hi Guy,

Yes you definitely need to get a homeowner's insurance policy in place...having it is usually a funding condition of your loan. I use AAA for my homeowner's insurance, and don't really have a specific insurance agent that I use, so I can't really give you a personal referral there.

Since you were an avid Voices poster for a while, I must ask - what neighborhood did you finally buy in!?
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Sun May 18, 2008
Sue Archer Reynolds answered:
Everyone is saying one important point that I wanted to emphasize. Get a THOROUGH home inspection. While your agent may give you three names of ones that have worked well for them, every inspector is known to miss something sometimes. Make your own list of things you'd want to check, don't just rely on their inspection. Open and shut windows, turn the shower on and flush the toilet at the same time....imagine living in the home and things that you would be doing. The inspector will be thorough but a home is a very complex combination of 'systems'.
And as for the home warranty, consider whether you plan on buying new appliances for the 'as-is- home. You don't need to duplicate coverage so check out the warranty on the new appliance and how it compares if you're covering it in your home warranty as well. You might find you can save some money there.

Good luck!

Sue Archer
Realtor,GRI, ABR, SRES
The Galster Group
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