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Home Insurance in Virginia : Real Estate Advice

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  • Home Buying192
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Activity 15
Mon May 16, 2016
Natefx4160 asked:
Sun Jul 12, 2015
Grs-mes asked:
Mon Apr 21, 2014
Dan Tabit answered:
phpetersen,
I'm not in MA and I'm not a lawyer, but I know a little about HOA's and Condo Associations. First, if you live in a condo, you are part of the ownership of the parking lot and common areas. Associations set up a budget based on what they believe it will take to allow normal operations. When things go well, they develop a surplus. When they don't as in the past winter, they run a deficit. Someone has to clear the parking lots and walkways. That costs money and if the funds are gone, someone needs to raise the revenue to cover the costs. The alternative would be to have had the cars all stuck and the walkways all impassible.
I'm just making some intelligent guesses based on how Associations generally work and the winter the northeast has just been through.
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Thu May 9, 2013
Don Tepper answered:
Check with your insurance agent. After all, if you select a number that's too low, you could find that you can't even recover that lower amount. And, as the previous answer notes, it really depends on your property--a duplex in Ardmore and a new million dollar home off Braddock Road are both in Fairfax...and really only a few miles apart. But the true replacement costs will vary greatly.

Hope that helps.
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Mon Jul 23, 2012
Agent answered:
One thing you might not know about condo insurance, usually an HO6 policy, is that you can bundle it with your personal auto insurance to save money. We offer bundle policies from multiple carriers to ensure you get the best premium. www.valueinsuranceinc.com ... more
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Fri Mar 2, 2012
Mark DellaPosta answered:
I am a Realtor and Class A Contractor. I specailize in modular construction. My clients are able to get the same insurance rates for thier "pre-fab" homes. Your local Insurance agent can quote you rates for your particular property. If I can answer any other questions, feel free to e-mail, text, or call me. MarkDellaPosta@hotmail.com or 7577136609. ... more
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Wed Aug 24, 2011
Ron Thomas answered:
There is no "USUALLY" and it wouldn't matter if there were:
Some HOA's will cover anything outside, some will only cover streets.

You need to look at a copy of the CCR's.
Guessing won't accomplish anything.
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Wed Aug 24, 2011
Bill Eckler answered:
Gary,

Scott is on the mark with his response. There is a very wide variety of by-laws out there that make it impossible for agents to comment on....unless they have specific information on the particular complex.

So the best source of accurate information is going to be found in the association By-laws. A local realtor should be able to access this information for you without too much trouble.

Good luck,

Bill
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Tue Jul 12, 2011
Carlos Caraballo answered:
Hello Deborah:

If you are asking about Falls Church, VA you can find that information in here :
http://www.fallschurchva.gov/Content/Government/Departments/EnvironmentalServices/WaterSewerHydrants.aspx?&cnlid=944

Carlos Caraballo
Realtor
VA-MD
202-679-0006
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Thu Sep 23, 2010
Anna M Brocco answered:
For accurate information, consider contacting a few local insurance companies and ask for quotes based on your needs--then choose the product that best meets those needs.
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Mon Oct 5, 2009
Don Maclary answered:
Fri May 29, 2009
Nelene Gibbs answered:
Hi Happy 1959:
To obtain accurate estimates for the home in question, I would suggest you contact the electric company as well as the gas company, provide them with the address, and request a utility estimate. I understand that they are very willing to help. Tax estimates can be obtained from the city of chesapeake real estate office.

Best of luck!
Nelene Gibbs, Realtor, e-Pro
William E. Wood & Associates
757 672-3232
mail to: nelene@homesbynelene.com
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