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First Time Buyers >Insuring Your Home

Many home buyers are concerned about whether they have an insurable interest in the property before the actual closing. The answer is an unqualified "yes". Although the buyer is not yet the recorded owner of the property, he or she has an insurable interest in the property as soon as the agreement of sale is executed by both the buyer and seller.

Should you get hazard insurance before the closing? It depends. Buyers do not usually insure a property until the title passes to them from the seller. However, it's wise to know what the agreement between you and the seller stipulates with regard to insurance.

Most agreements state that the property will be insured for a specific amount. This is very important to both parties. From the buyer's point of view, it is also critical that an adequate sum or full replacement value be stipulated. Watch out for agreements which read "as now insured". This is an all-too-common practice which usually indicates that the seller does not to want to increase inadequate insurance coverage.

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Q	What was the world's highest viewing platform before the opening of the Empire State Building in 1939?
A	The Eiffel Tower, built between 1887-1889, was for 42 years the highest viewing platform in a man-made structure.
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MORTGAGE LENDER
John P. Streb, Jr.
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Mary Case Friedner, REALTORŽ, real estate agent and broker for Tarrytown, Sleepy Hollow and Briarcliff Manor New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Mary Case Friedner
Broker/Partner
Legends Realty Group, LLC
358 North Broadway
Sleepy Hollow, New York 10591
office: (914) 332-6300
Fax: (914) 332-6336
Cell: (914) 980-2912
Email: MaryCase@NUMBER1EXPERT.com
Hi there!!! May I be the first to welcome you to The Land of LegendsSleepy Hollow and Tarrytown, New York, plus the Hudson River villages and towns of Briarcliff Manor, Irvington, Dobbs Ferry, Hastings-on-Hudson, Ossining, and the charming hamlet of Pocantico Hills!!! To come here is to fall in love as I did in 1983, when I moved from Manhattan to Sleepy Hollow with my husband and infant son. A native North Carolinian, I came to New York fresh from The University of North Carolina at Charlotte, and followed my dream to be an actress and singer. This dream came true, and for 18 years I worked in the New York Theatre and on hundreds of TV and radio commercials. Since 1987, Ive been helping people reach their dreams in the world of Real Estate. Currently I am proudly serving on the Board of Directors of The Womens Council of Realtors/Empire Chapter, which I enjoy tremendously. From my very first year in Real Estate, I have been a consistent Top Producer in listing and selling homes in the Hudson River Villages. About 85- 90% of my business now comes from Personal Referrals and Repeat Business. I can only achieve this by giving outstanding customer service, both during and after the transaction, and by always making my clients best interest my top priority. It is a mission I take most seriously. I hold the designation of Accredited Buyer Representative, which means that if Im working with YOU as a BUYER, I work on YOUR behalf to get the best deal possible for YOU. For my SELLERS, I am excellent at marketing strategy and my goal for YOU is to get the absolute highest and best price for your home as quickly and easily as possible. My negotiation skills, my years of experience, my extensive knowledge and passion for the Hudson River area, and my deep caring for the happiness of my clients are some of my best assets. I hope to be your new best friend in Real Estate and the only Realtor youll ever need!!!

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NUMBER1EXPERT™ in real estate for Tarrytown, Sleepy Hollow and Briarcliff Manor, New York, rental properties

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