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Oanh Kiều
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In today’s market, insurance is no longer just a formality. Across many parts of the country, insurance companies are becoming more selective, premiums are rising rapidly, and some properties are being denied coverage altogether due to age, roof condition, prior claims, wildfire risk, flood risk, or other underwriting concerns. What many buyers don’t realize is that obtaining insurance can sometimes take days or even weeks. In certain markets, underwriters may require additional inspections, roof certifications, or documentation before approving coverage. If your insurance approval takes longer than expected, you could run out of contingency time and find yourself facing difficult decisions during escrow. Even worse, some buyers spend hundreds or even thousands of dollars on inspections, appraisals, and other due diligence only to discover later that the insurance premium is far higher than anticipated or that the property cannot be insured at all through a standard carrier. Before you submit an offer, request an insurance quote. A few phone calls upfront can help you avoid costly surprises, protect your earnest money deposit, and ensure the home truly fits your budget. Insurance costs can significantly impact your monthly payment, and in some cases, they can be the difference between a home being affordable and unaffordable. In this article, we’ll cover why insurance should be one of the first things you investigate when buying a home, the risks buyers often overlook, and how to protect yourself before you go under contract. Hashtags: #HomeBuyingTips #FirstTimeHomeBuyer #RealEstateAdvice #HomeInsurance #RealEstateEducation
In today’s market, insurance is no longer just a formality. Across many parts of the country, insurance companies are becoming more selective, premiums are rising rapidly, and some properties are being denied coverage altogether due to age, roof condition, prior claims, wildfire risk, flood risk, or other underwriting concerns. What many buyers don’t realize is that obtaining insurance can sometimes take days or even weeks. In certain markets, underwriters may require additional inspections, roof certifications, or documentation before approving coverage. If your insurance approval takes longer than expected, you could run out of contingency time and find yourself facing difficult decisions during escrow. Even worse, some buyers spend hundreds or even thousands of dollars on inspections, appraisals, and other due diligence only to discover later that the insurance premium is far higher than anticipated or that the property cannot be insured at all through a standard carrier. Before you submit an offer, request an insurance quote. A few phone calls upfront can help you avoid costly surprises, protect your earnest money deposit, and ensure the home truly fits your budget. Insurance costs can significantly impact your monthly payment, and in some cases, they can be the difference between a home being affordable and unaffordable. In this article, we’ll cover why insurance should be one of the first things you investigate when buying a home, the risks buyers often overlook, and how to protect yourself before you go under contract. Hashtags: #HomeBuyingTips #FirstTimeHomeBuyer #RealEstateAdvice #HomeInsurance #RealEstateEducation

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