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If a claim happened during that time, covering the damages would come out of your pocket, and if it's something major—a tree falling on the home, for example—it could derail your sale entirely. 7. Moving protections
As you're tidying up, decluttering, and downsizing your home to get it ready to list, you should also take a look at your homeowners insurance policy to see exactly what is covered. For example, if something is broken during the moving process, would your policy cover the damages? You'd think that because the belongings are insured when they're in your home, they should be insured whether or not they're in a moving truck. However, this is only true if you have what's called an "open perils" policy (also known as an " all perils " policy). In this type of policy, coverage is provided for anything other than what is specifically excluded, and when it comes to the claims process, the burden of proof is on the insurance company. In other words, if you submitted a claim and they wanted to dispute it, they would have to prove that the situation leading to the claim was specifically excluded from the policy.
Homeowners insurance agents contractuels
Who better to explain exactly what you need to do than an insurance agent with 12 years of experience (meet Grant Sims of Greenville, South Carolina) and a top real estate agent who knows what you're going through on the sell side. Follow their advice and you can make this whole insurance transfer business a simple check-off on your to-do list. We've made it easy by breaking it down into a list of the main things you want your insurance agent to know when selling your house:
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1. Your moving plans
It's a good idea to let your homeowners insurance agent know you're planning to move in the next few months. This gives your agent plenty of time to look up policy options for the new home you'll be moving into, and allows you time to compare options and rates. And this applies even if you haven't picked out another house yet. If you just know the neighborhood or area you're planning on moving to, your insurance agent can look into whether you'll need add-ons (like flood insurance, for example, if you're moving into a flood plain), and give you a rough estimate of what to expect your yearly insurance costs to be moving forward.
To do this, you should have a detailed list of your personal property and its value. Tips for creating a home inventory
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TM Alert is a trademark of Desjardins General Insurance Group Inc., used under licence. Details of coverage or limits vary in some provinces. This content is only a general description of coverages and is not a statement of contract. Savings are based on each client's individual profile. Savings and discounts are subject to eligibility conditions. Rates and discounts are subject to change without notice. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Some conditions, limitations and exclusions may apply. Insurance type
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Home owners insurance agents near me
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6. Your actual closing date
According to Sims, there's no reason to ask your insurance agent to cancel your policy until you've signed the closing paperwork. In fact, doing so could result in a coverage gap or require you to keep calling back to make adjustments. "Closing dates change all the time, which could mean you have to cancel and rewrite the policy each time it changes, " Sims says. "If it were me selling my house, when I left closing I'd call my agent and say, 'Cancel my policy. ' The cancellation process is pretty immediate. " Bottom line is… you don't want to cancel your policy until the house is no longer yours. This will prevent the possibility that you're left without coverage because a closing date is moved out by a few weeks or a month. For example, if you ask your agent to cancel the policy on June 25, but on June 24 the financing gets held up and closing is pushed out until July 10, you've got two weeks that your home would be sitting uninsured.
This is especially true if you've got items of value, like jewelry, a grand piano, or expensive artwork in the mix. Most companies require you to itemize belongings that are over a certain value in order for them to be covered under your homeowners policy. "Nobody wants to pay more for a policy, but the worst thing is to have to say, 'I had this [valuable item] stolen, ' and the company to say, 'You didn't itemize, so it's not covered. ' Most companies don't require anything formal, though some do. So you should always check with your agent about what's required. " 4. Any dated home features that will be hard for buyers to insure for
Sometimes the listing process turns up issues that you have to address for your potential buyer's insurance purposes—even if you had no trouble getting insurance for your home when you purchased it. For example, maybe your home has polybutylene piping —a problematic type of plumbing that many insurers no longer cover. Perhaps it was grandfathered in under the policy you purchased years ago but will pose a serious issue to the buyer who's trying to get a new policy.
To sell a house it takes a village, but oftentimes sellers forget to put one underrated team member on speed dial: their homeowners insurance agent. 85% of homeowners have insurance to protect their property from threats like wind and hail, fire damage, and theft. If you bought your house with a mortgage, then setting up insurance was a required step. Yet considering only 6% of insured homes have claims, when you go to sell your house it'd be surprising if your first thought was:
"Better call up my insurance buddy Joe to check on my homeowners policy! " You laugh now, just make sure you're not crying later. The average American has 68% of their total wealth tied up in their home, and anyone who's ever dealt with claims knows that companies will find any loophole to avoid paying out. Was your house vacant at the time it got vandalized during your home sale? Did you cancel the policy a week before the storm of the century hit your town due to a closing mixup? Say it with us now: Coverage…denied.
Homeowners insurance agents in brevard county florida
Independent Agents – These agents are self-employed and represent a variety of companies. The advantages of an independent agent are that they may have a greater choice of products to offer you and a wider selection of prices. Finding a Homeowners Insurance Agent There are two quick methods of obtaining names of homeowners insurance agents to begin to evaluate. personal recommendations – Chances are very good that you own a home near friends or relatives. Ask them which agents they use and would recommend. Look for the same name to pop up. Look for testimonies of solid product knowledge, personal attention, price competitiveness and excellent service. If you are new to a neighborhood, your real estate agent can provide recommendations as well. State Insurance Departments – All insurance agents are licensed and all states have databases of agents, most have an online database. You can get the names of agents near you and check their complaint records. Get the Right Homeowners Insurance for you Understanding homeowners insurance agents helps you know that every home policy differs with every home insured.
2. If your house is going to be vacant for any period of time
If you'll be moving out of your home before it closes, leaving it vacant, you'll need to check with your agent about the company's policy regarding vacant homes. Many insurance providers are less inclined to insure vacant homes than occupied ones, simply because it's a lot easier for something like theft or vandalism to occur when a home is unoccupied. "Some companies require you to tell them immediately, while others will cover it just the same for up to six months, " Sims says. "So you need to contact your agent right away and find out what your company mandates. Because let's say you have a claim in 30 days, but you didn't tell the company the home was vacant. They'll say, 'Well, you didn't tell us, so you're not covered. '" Source: (NeONBRAND/ Unsplash)
3. Extra coverage needs for the future
According to Sims, the moving process is the perfect time to take inventory of your belongings, which will help you see whether you've got the right amount of insurance coverage going into your new home or if you need to bump up your policy.
Our agents don't pass the inspection and then scram. If a pro's service falls below our standard, we remove them—no ifs, ands or buts. 3. They will super-serve you. Look, we know home insurance can be a little boring. But that doesn't mean we can't have a little fun with it, right? Our agents are committed to making this the best insurance experience you've ever had.
Understanding homeowners insurance agents can help you be certain that you not only have the right insurance for your home, valuables and personal property, but that you are also dealing with the right person to help you achieve that certainty. Insurance provides protection, but it also should provide peace of mind. It is difficult to be confident in your insurance product if you are not confident about the person who sold it to you and administers it for you. Remember, the real importance of understanding your homeowners insurance agent is the trust you will have when you need that person, usually in a time of emergency or great stress. Two Types of Homeowners Insurance Agents Insurance agents fall into two general categories: Captive Agents – These represent one specific insurance company. In understanding homeowners insurance agents, you learn that the benefit of a captive insurance agent is that they often have in-depth knowledge of the limited array of insurance products offered by the company they work for, and typically they have the support of a company back office to administer your purchase and any claims.