4356 Aukai Avenue Honolulu HI 96816 DiamondHd Region Kahala Area …
… Non Resident Owner, Property Disclosure Stmt Land Recorded: Regular System Furnished: Possession: At Closing Terms: Cash, Conventional Listing Courtesy: Cathy George & Associates Occupancy: Vacant Sale Conditions : Sold Price: … Estimated Closing Cost for Buyer: Escrow: $1588, Title Insurance: $1823, Lender Title Insurance: $250, Lender Fee: $595, 1 Point on Loan (assumes 10% down): $15300, Appraisal: $650, Home Inspection: $395, Closing Reserve: $350, Taxes: $3102 , … read more…
2007 10th Avenue Honolulu HI 96816 DiamondHd Region Palolo …
… Wood Frame Floor: Other Disclosures: Property Disclosure Stmt Land Recorded: Regular System Furnished: None Possession: 45 Or Less Terms: Cash, Conventional Listing Courtesy: Ainalani Realty Llc Occupancy: Vacant Sale Conditions : … Estimated Closing Cost for Buyer: Escrow: $600, Title Insurance: $561, Lender Title Insurance: $250, Lender Fee: $595, 1 Point on Loan (assumes 10% down): $3132, Appraisal: $650, Home Inspection: $395, Closing Reserve: $350, Taxes: $948, … read more…
1674 Lewalani Drive Honolulu HI 96822 Metro Region Makiki …
… W/w Carpet Disclosures: Property Disclosure Stmt Land Recorded: Land Court Furnished: None Possession: At Closing Terms: Cash, Conventional Listing Courtesy: Abe Lee Realty, Llc Occupancy: Vacant Sale Conditions : Sold Price: … Estimated Closing Cost for Buyer: Escrow: $1172, Title Insurance: $1302, Lender Title Insurance: $250, Lender Fee: $595, 1 Point on Loan (assumes 10% down): $8550, Appraisal: $650, Home Inspection: $395, Closing Reserve: $350, Taxes: $1788, … read more…
From Google Blog Search
What You Need to Know About Leaving Your Home Vacant
95% of homeowners do not understand what happens to their insurance on the home when the house becomes empty or unoccupied. This is how homeowners find themselves with no coverage after submitting a c… read more…
What To Do If Leaving Your Home Empty or Vacant
Leaving your house empty for over 3 months? There are certain things you must do in order to property protect you and your family, and minimize risk while you are away.
First, check your insuranc… read more…
What is Vacant Homeowners Insurance and Why is it Needed?
Vacant homeowner’s insurance (also known as vacant home insurance) is special insurance protection placed on a residence that is expected to be empty or unoccupied for over 60 to 90 days, or p… read more…
From GoArticles.com
Voting Question: Vacant or Seasonal Insurance Policy?
Which one should we get for our home? What’s cheaper? What are the qualifications for each? Our home is still under mortgage. The homeowner’s insurance policy cancels end of December. Our home is vacant currently due to having to take a job out of town. My husband’s job requires him to move locations from time to time (every 4 months to 5 years). There is a chance that we will move back into the house every once in while depending on his job. That is why I’m inquiring about seasonal. Thanks for your help.
Resolved Question: do you sell homeowners insurance for a vacant home or a landlord/tenant?
We have a vacant home as of Nov. 19th. The choices going forward are a vacant policy or a tenant policy where the estate is the landlord and the tenant is the person who will inherit the house.
There are 2 personal reps and one lives 300 miles away. The insurance agent says for the vacant policy both personal reps. will need to be present at the same time to sign the new policy. If the tenant policy is used it can be done over the phone. The rep. 300 miles away is trying to avoid a drive down just to sign the policy. They hoped the paper could faxed to their city, to an office of the very same insurance company and let them sign it. Then fax back to the other office for the local rep. to sign.
Why are they requiring the two reps. to be present to sign the vacant policy and not the vacant policy. (which can be done by phone).
Another idea was for the rep. 300 miles away to get their signature notarized and send the form to the other rep. who is local, for their signing.
Since one rep. is not inheriting the house, they are not going to go politely into the night and let the estate pay all the bills for a landlord/tenant policy. For this reason the person inheriting the house prefers the vacant policy. This is no good for the other rep. because they have to drive 600 miles round trip just to sign a form.
Questions are within the above details.
I called formost. My sister is co-rep so I have to get here to agree on everything.
The current company is Allstate.
The vacant premium for 6 months with $5000 deuctable is $1150. The tenant landlord policy is around $725. They require the tenant to have the address on their driver’s license and get mail there to say it is not vacant. Many people work out of town 5 days a week. On the landlord(estate)/tenant(beneficiary) we were going to do what the agent said needed to be done to show that it was the tenant’s primary residence. The above is about the only way they could define it. I asked if it was so many hours or days a week and they said no. The tenant would be me and I’d work in one city (12 miles away) and stay at the now vacant house the rest of the time. I doubt my sister will even consider a company she has never heard of like Formost. I think their premium was about the same.
ok, please define “living” there……….what are the requirements?
Resolved Question: do you sell homeowner’s insurance?
death in the family and the insurance company had 3 options on the homeowner’s insurance.
1. cancel immediately
2. cancel 30 days after the date of a notice.
3. let the policy run it’s course and not renew on 11-19-09.
They chose #3 to the advantage of the estate.
———
The options being offered are:
1. vacant policy through another company but through the current agent with a premium of 1000-1150 per 6 months.
2. landlord tenant policy with the estate being the landlord since the deed is still in the estate’s name and premium estimated at around 725 for 6 months.
Are there any other policy options for the personal reps. on this situation, since the deed with stay in the estate’s name well into 2010 other than vacant or landlord-tenant?
link offered of no value.
my sister is the co-personal rep. for the estate and with me being the sole beneficiary of the house, she won’t allow me to be the tenant since there would be an argument over who pays the bills, the estate or the tenant. Whether I live there or not as a tenant, the bills will be basically be the same but she does not see it that way. So, it looks 100% likely we have to go with the vacant policy. Formost is about the same premium as our current company but they have a lower deductable. My sister is rich so “cheaper” doesn’t fly with her. We’ll surely go with out current agency.
Melbourne Auto Insurance – Texting and Driving
Posted by fashionjewelry via Digg RSS Search for jewelry
Florida Homeowners Insurance – Trampoline
Posted by fashionjewelry via Digg RSS Search for jewelry
Florida Homeowners Insurance – Pets
Posted by fashionjewelry via Digg RSS Search for jewelry
Florida Homeowners Insurance – Pets
Posted by automotivenews via Car news, videos, info and cool stories!
Florida Homeowners Insurance – Trampoline
Posted by automotivenews via Car news, videos, info and cool stories!
Youtube.com – Melbourne Homeowners Insurance – Water Loss
Posted by fashionjewelry via Digg RSS Search for jewelry
Vacant Home Insurance Part 2 – Vacant Home Insurance vs. Homeowners Insurance
Posted by agentbuilder via Insurance Appointment Setting
HUD Changes FHA Rule for Flipping
Posted by wolfhesse via ext.rm.20090603
Recently Being Discussed on FriendFeed
Incoming search terms for the article:
- allstate vacant home insurance
- homeowners insurance occupancy
- homowners insurance when the resident dies
- cancelleaton of insuarance due to unoccupied house
- non-resident homeowners insurance
- allstate homeowners insurance vacant house
- appraisal vacant house
- unoccupied homeowners insurance
- my home is unoccupied is my homeowners insurance active
- does my homeowners insurance go down if the house is vacant
Leave a comment