Wappingers Falls, East Fishkill and LaGrange New York real estate listings, home buying, selling and relocation information

All agents are NOT alike! Find out why we are top real estate experts. Call us: 845-878-4076.

Sign Up For Our eNewsletter, FREE!
There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
Find Out More >
View All Offers >

It has been a pleasure dealing with you
"Just a note of thanks for all that you’ve done for us"
C & J Gallagher
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Tom and Sharon Kowalchuk are some of The Top Selling Real Estate Experts™
Find Out More >

*Your Name:
*Your Email Address:
Send Latest Listings:
Send Latest News:
Your Message or Comments:

* Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
We Guarantee Your Privacy >
Free & Without Obligation >

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.

	See All Tips In The "First Time Buyers" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What does "contingency" mean in real estate?
A	A contingency is a specified event that must take place before a home purchase contract is binding; for example, a sale can be said to be "contingent upon the sale of the buyer's current residence."
See More Real Estate Trivia >

See the nation's top rated reports for Schools in Wappingers Falls, East Fishkill and LaGrange >

Coming Soon
Find Out More >

Tom and Sharon Kowalchuk, REALTOR®, real estate agents and broker for Wappingers Falls, East Fishkill and LaGrange New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Tom and Sharon Kowalchuk
Century21 Alliance Realty Group
1136 Route 9 - Suite U-1
Wappingers Falls, NY. 12590
Direct: 845-878-4076
Office: 845-297-4700, ext 338
Fax: 845-297-8178
Email: thomaskowalchuk@NUMBER1EXPERT.com
Over 30 years business/professional experience in marketing, contract negotiation, and customer service. Area residents for more than 20 years. Top Lister Achievement Awards. You can be assured that we will maintain the highest level of service and committment. We are members of the Dutchess County Association of Realtors, New York State Association of Realtors, National Association of Realtors and the Southern Dutchess Chamber of Commerce. We achieve a high degree of customer satisfaction through our exceptional ability to work together with other professionals to meet our client’s needs. Each Century 21 office is independently owned and operated.

www.YourHome7.com is brought to you by Tom and Sharon Kowalchuk
NUMBER1EXPERTS™ in real estate for Wappingers Falls, East Fishkill and LaGrange, New York, luxury homes

Read our Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge