Anyone who has considered purchasing a house knows that home insurance is a major factor to consider before buying. Despite what that insurance salesman might tell you most policies are similar to each other in their cost and coverage.
It is truly the seemingly minor things that can make a big difference. Some mortgage companies require a one or two year escrow account that automatically pays the taxes and insurance as part of your monthly payment. Many homeowners elect to make these payments separately after the escrow period has ended and now have to select their own insurance company.
First, and most important, is the track record of the company that is to provide your insurance: not all... [Read more...]
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Many people think that they “know” when it is time for them to get a house. For instance, in my own situation, I would love nothing more than to own a house. I have quickly outgrown my apartment, and my boyfriend and I are constantly tripping over each other. However, like so many other couples, there are many things to consider first, and you have to be smart about it.
There is a correlation between buying a house and buying a car for the first time that many people make the same unfortunate mistake with. For instance, you may go to a dealership and see a beautiful vehicle that is fully loaded with all of the special perks and subtleties that you may have always wanted in a vehicle. However,... [Read more...]
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