insurance: Hidden Costs to Buying a House - 04/06/17 09:56 AM
Buying a home should be a simple undertaking.  However, purchasing a home can become complicated quickly, especially if buyers fail to consider or plan for the immediate and long-term costs associated with owning a home.
This is  especially true with first-time buyers. They can be so wrapped up in the actual purchase price of the home that they sometimes fail to account the hidden costs of homeownership.
 
Utilities     Utilities are paramount, and the costs asscoiated need to be evaluated during the homebuying process. Utilities are often include in your rent, but now they will be your responsibilty. Heating and coolling costs, water and … (1 comments)

insurance: The Need for Flood Insurance - 07/29/15 12:44 AM
 
The Need for Flood Insurance
 
Like most homeowners you would not even consider living in your home without an insurance policy that covers you for the damage that would be caused by a major fire. However, in many regions of the United States you actually face a greater risk of serious flooding costing thousands of dollars. Most home owner policies do not cover flood damage.
Of all the most costly and deadly severe weather related natural disasters, in the US, flooding is the most common.
 
According to the Federal Insurance Administration, if you live in one of the 13 million American homes that are … (1 comments)

insurance: Winter Fire Protection - 12/12/14 01:23 AM
 
 
Winter Fire Protection
 
Winter can be the most dangerous time of the year for residential fires.  Fires can cost a family their home, stability, and a great emotional loss.
 
By following some of these simple tips and suggestions help can help you protect your home from fire this winter:
 
·         Make sure your home is equipped with smoke detectors. Smoke detectors save lives. Clean them regularly and replace the batteries twice a year. Install a carbon monoxide alarm. Carbon monoxide is a colorless and odorless gas that can be deadly
 
 
·         Have … (1 comments)

insurance: Hidden Costs of Moving - 10/24/14 03:49 AM

 
Hidden Costs of Moving
 
When you are planning a move, you are probably busy thinking about the new place, how the kids will adjust to their new environment, how much it will cost to hire the movers, the packing and unpacking. What you may not be considering is the hidden costs of moving.
 
Here just a few of the surprise costs of moving and some ideas on how to avoid them:
 
 
·         Late Fees  When you are moving things get lost in the mail or are slow to be forwarded to your new address. … (14 comments)

insurance: Hidden Costs of Home Ownership - 05/17/14 02:19 AM
 
The Hidden Costs of Owning a Home
 
For many owning a home has always been a part of the American dream. However, owning your own home can be more expensive than we thought.  For first-time buyers it wise to buy a house that you can afford, because you are not just going to be making the monthly mortgage payments but you will be paying for the little costs that eventually stack up into very big credit card bills.
 
Here are some of the few hidden costs to watch out for and budget for:
 
 Property Taxes When you purchase a home you become responsible for … (4 comments)

insurance: The Need for Flood Insurance - 05/15/14 11:56 PM
The Need for Flood Insurance
 
Like most homeowners you would not even consider living in your home without an insurance policy that covers you for the damage that would be caused by a major fire. However, in many regions of the United States you actually face a greater risk of serious flooding costing thousands of dollars. Most home owner policies do not cover flood damage
Of all the most costly and deadly severe weather related natural disasters, in the US, flooding is the most common.
According to the Federal Insurance Administration, if you live in one of the 13 million … (0 comments)

insurance: How to Lower Your Homeowners Insurance Costs - 04/17/14 08:00 AM
 
How to Lower Your Homeowners Insurance Costs
 
If you are a homeowner, the need to have homeowners insurance is necessary, both by the law and by common sense. If something happens to your home or on your property then your property insurance will cover most of the costs. Having homeowners insurance takes away a lot of the financial worry.
 
To help lower the cost of your homeowner insurance follow some of these tips:
 
Increase your deductible. While this will increase your out of pocket costs should an accident or claim arise, it will lower the overall costs … (0 comments)

insurance: What is Included in a Mortgage Payment? - 04/16/14 12:28 AM
 
What is included in a Mortgage Payment?
 
A mortgage is a loan to finance the purchase of your home and it is likely the largest debt you’ll ever take on. A mortgage is actually made up of several parts; the collateral you used to secure the loan, your principal and interest payments, taxes and insurance.
 
Since most mortgages run 15 to 30 years of monthly payments, it helps to understand the working parts.
 
·         Principal.  A portion of every mortgage payment goes toward the principal on the mortgage loan. The principal is the money borrowed by the … (0 comments)

 
Jim Sinnott,  Realtor, GRI      Licensed in MA and RI (Bedard Realty) Rainmaker large

Jim Sinnott

Realtor, GRI Licensed in MA and RI

North Attleboro, MA

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Bedard Realty

Address: 500 East Washington Street, North Attleboro, MA, 02760

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