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4650 E. Carmen

$389,900 Short Sale

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Address: 4650 E. Carmen	City/ST: Phoenix, AZ	Zip Code: 85044
Property Type: Single Family Home	New or Resale: Resale	Square Footage: 3172
Bedrooms: 4	Bathrooms: 3 full, 1 half	MLS# 4411071

Last Updated: 6/21/2010 4:17:05 PM

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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 are three of the best indicators of real estate market trends?
A	Existing home sales, new home building and mortgage interest rates.
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Brett Tanner, REALTOR�, real estate agent and broker for Chandler, Gilbert and Phoenix, Arizona home listings, property and land for sale - NUMBER1EXPERT

Brett Tanner
Keller Williams Lifestyle Realty
3540 E. Baseline Rd. #120
Phoenix, AZ 85042
602-738-3999
Fax: 602-232-2206
bretttanner@NUMBER1EXPERT.com

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