insurance: 5 Tips for Using Appliances to Sell Your House - 09/28/20 06:36 PM
It’s common knowledge that purchasing a home will set you back several thousands of dollars on top of the purchase price. Closing costs and fees can add up to 2% to 6% of the mortgage amount when financing. 
However, when it comes to selling, homeowners end up shelling out a decent amount of money again — up to 10% of the home’s value, according to So on a $300,000 property, a seller can expect to spend up to $15,000 on real estate agent commissions and other selling costs. A portion of that will go towards preparing the home for market, including … (1 comments)

insurance: Ready to Become a Snowbird? Here’s How to Prep for Next Winter - 04/28/20 11:46 AM
Spring may be upon us, but with many Americans still cooped up in their homes due to coronavirus-related stay-at-home orders, it can feel like an exceptionally long and brutal winter. And for some retirees, it may just give them the push they need to make next year the year they officially become snowbirds — people who flee the cold by wintering in warmer climates. 
There are definitely some perks to the dual-residence lifestyle — no more shoveling or icy roads to contend with, to name a few — but joining the snowbird camp is a big decision that requires a good bit … (0 comments)

insurance: 8 Tips to help clients pick a New Jersey neighborhood - 11/01/19 08:18 AM
It is common for New Jersey Realtors to work with individuals and families looking to relocate from New York City or Philadelphia. While many city-dwellers think they will never move to the suburbs, there often comes a time when it is necessary to trade the bustle of city life for something quiet. Whether people move  due to a growing family, new job opportunities, or a return closer to home, they all have one thing in common - they rely on Realtors to help them find their next home. 
As a real-estate professional, you are committed to helping clients find a house that … (0 comments)

insurance: 7 Considerations Before Moving to a Coastal Region - 07/22/19 07:43 AM
Living near the coast promises a more peaceful life as a place to get away from the noise of everyday urban living. It comes as no surprise that many people spend summers exploring new beaches and beautiful coastal regions with the hope of one day buying a house near the water. 
As of 2018, approximately 29% of the U.S. population lives in coastal counties, and that number continues to grow as new residents flock to the coast. However, it isn’t the same as living inland, and individuals looking to move should first prepare themselves for various lifestyle changes. 
Here is what you need … (0 comments)

insurance: Home Considerations for Those Looking in Silicon Valley - 06/27/19 01:15 PM
Approximately 40 million Americans move homes every year, whether they’re upgrading, downsizing, or simply want to be closer to a job or family.  Those who have been through the house hunting process know that it can be intense. The stress level is often even higher for people living in markets where there’s a shortage of affordable housing, like Silicon Valley.  
One way that people cope with affordable housing shortages is by commuting. The number of ‘super commuters’ -- those who have a daily commute time of more than 90 minutes -- continues to rise at shocking rates in the Valley and surrounding … (0 comments)

insurance: What to Tell Buyers When Looking in a Flood Zone - 06/13/19 07:26 AM
To say it’s been wet in Maryland is a bit of an understatement. In 2018, Baltimore experienced its wettest year on record, with nearly 72 inches of rain falling on Mobtown. Last year’s rain totals were almost double the average for Baltimore, and it appears 2019 is ready to continue that trend.
Some climate researchers believe what we’re seeing is a new normal for states in this region. A report from the Union of Concerned Scientists finds that storms producing heavy rainfall have been and will continue to increase in frequency. The report also states that more flooding is an ultimate result … (0 comments)

insurance: I Bought a New House, Do I Still Need to Insure My Old One? - 05/22/19 08:50 AM
In the U.S., people are on the move, and more of them are moving out of New Jersey than any other state. According to a recent study by moving company United Van Lines, about two-thirds of New Jersey moves are outbound.
(On the flip side, Vermont has the highest percentage of inbound moves at 73% — must be all that maple syrup.)
Whether you’re moving between states or just across town, the transition can be stressful, especially if you’ve purchased a new home before selling your old one. With two mortgages to pay, you may be looking for ways to trim costs, but … (1 comments)

insurance: 5 Ways to Protect Your Vacation Home - 05/16/19 06:42 AM
There are lots of interesting places in the U.S. to live — and some remarkable spots for a vacation home as well. Maybe you’ve always wanted to escape to a place on the water, or next to a great ski mountain.
Or maybe you would like to retreat from the big city to a small town oasis. Forbes named Thomasville, Georgia as one of the coolest towns to buy a vacation home due to the generous acreage and reasonable proximity to Florida’s panhandle beaches. (Other options on the list: Palm Springs, Calif., and Livingston, Mont. — there’s something for everyone.)  
Nearly 15% … (0 comments)

insurance: North Carolina Record Hurricane Year and Insurance Rates - 04/08/19 06:46 AM
Impact of North Carolina’s Record Hurricane Year on Homeowners and Insurance Rates
Hurricane Florence caused significant damage when it came ashore to the Carolinas last September. North Carolina felt the brunt of the devastation, with nearly 36 inches of rainfall and storm surges reaching 10 feet. The National Oceanic and Atmospheric Administration estimates total damage at $24 billion, mostly as a result of flooding.
This record hurricane season could lead to major home insurance rate increases in North Carolina later this year. In December 2018, the North Carolina Rate Bureau proposed a homeowners insurance rate increase of 17.4%. If passed, the increase would … (0 comments)

insurance: Moving to New Jersey? Here's How Your Home Costs May Change - 04/01/19 01:24 PM
Deciding to move to New Jersey from a neighboring state is a big decision for homeowners. For some, moving is an exciting journey; for others, it can be stressful. From deciding whether to hire a moving company, footing the costs of the move and choosing a neighborhood that meets your expectations, there's a lot to decide. While most people begin with finding a new job and looking at potential properties, you'll also need to compare the costs of living in New Jersey with your current situation. Here's what to know.
Moving from New York to New Jersey
Most New Yorkers are proud of … (0 comments)

insurance: Florida Homebuyers Should Explore Their Options to Avoid Force-Placed Insurance - 10/19/18 11:58 AM
In 2015, four Florida residents and a Pennsylvania homeowner filed a class action lawsuit alleging they were being overcharged for force-placed insurance by their lenders. In September, a federal appeals court unanimously voted to dismiss the case. The lawsuit's implications and final results make force-placed insurance more important than ever for Florida homeowners to fully understand.
When homeowners take out a mortgage to purchase a home, lenders require evidence of property insurance on the home before finalizing the loan. In addition to documented evidence of insurance, the lender typically requires that homeowners maintain property insurance on the home until the mortgage is paid … (0 comments)

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