Chris Vogt - Insurance Hot Buttons For Older Homes In Lancaster City PA And Beyond

Today I'm in Manheim Borough, PA at the world headquarters of Baron Insurance Group talking to Christopher Vogt about "hot button' issues for insurance companies when it comes to older homes such as are found in Lancaster City PA real estate or that of the surrounding 18 boroughs of Lancaster County.

Getting insurance on a property is normally a pretty painless affair, and many prospective homebuyers simply make a call to their current auto insurance carrier a few weeks before settlement is to take place. However, there have been a number of instances in my 7 years of brokering homes for sale in Lancaster City and the boroughs where the insurance suddenly becomes a "front burner" issue because a problem or barrier to securing coverage is uncovered.

Chris reviews some common issues that can trigger concerns on the part of insurance companies - aluminum wiring, knob and tube wiring, galvanized plumbing, outdated roofs and heating systems are just a sampling. These things are quite common in older homes and buyers need to be aware BEFORE they write a contract on the home - there may be a need to include provisions to bring the up to insurable spec.

It's a good idea to have a buyer agent who is familiar with the hot button issues on the insurance side, so you have a professional pair of eyes looking at the house during the initial showings. Also, be sure to include your insurance agent in the pre-offer discussions so as to head off as many surprises as possible. This plus a good home inspection will make you as confident a buyer as can be expected today.

Any questions on specific situations on insurance guidelines or coverage can be directed to Chris Vogt at www.baroninsurancegroup.com or (717) 665-2985. You can always reach me at jeff@yourlancasterhome.com

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Choose Jeff Geoghan for your next home sale or purchase in Lancaster County! Thanks.