#listing agent

Your House Could Be the Gift That Keeps Giving This Holiday Season. Many buyers are searching for a home right now, but there aren't enough for sale. Let's connect to start the process of selling your home this winter.

Now is a great time to leverage the home equity in your existing home to move up to a larger home.

Or perhaps you are ready to cash out and down size. Either way, we can help.

Naples Golf Guy | Downing Frye Realty Inc. | 239.370.0892

LISTEN UP SELLERS AND REALTORS ALIKE - As we head into the fall and winter months I wanted to take a moment to share some wisdom. The following is a combined of several articles and interviews that you may share with your sellers.

Let us start by distinguishing between unoccupied and vacant. Insurance companies specifically define the two as follows; 

*Unoccupied home. The property has been left as if the owners will return at any time.

*Vacant home. The property is entirely empty, without any personal property inside.

Home insurance companies have various rules about how long a house can be unoccupied before the insurance is canceled or an endorsement is required. That's because whenever a residence is empty, the property is at a higher risk for damage. For example, if the plumbing backs up or the roof springs a leak, extensive damage can occur because no one is on the premises to shut off the water or call an emergency repair service.

Home insurance companies typically require you to contact them and request an endorsement or a special permit for a home that will be unoccupied for 30 or more consecutive days, Dubinsky says. In some cases, you may be charged for the permit or endorsement.

A vacant home will draw even more scrutiny than an unoccupied home. "A vacant home will require either an endorsement or a separate policy, depending on the insurance company," he says. "Some insurance companies will not insure vacant homes. Make certain you have talked with your insurance agent." 

Coverage limits and premium costs for unoccupied and vacant homes vary, based on the state in which you live, how long the home will be empty and the steps you take to protect your property, such as winterizing the home or installing smoke detectors and alarm systems.

Don't try to pretend that your empty home is occupied. Never lie to your insurance company when you are buying homeowners insurance; it could provide grounds for denying a claim and may result in the cancellation of your policy. It's not difficult for an insurer to tell if the damage you're claiming happened because no one was there--how else would vandals have been able to shack up in your living room, or a small water leak turn your basement into a swimming pool?

If you fail to inform your insurer that the property is vacant, and your company cancels or declines to renew your policy, your new policy is likely to be even more expensive-- our-to-five times the cost of a standard policy, according to Jack Hunglemann, author of Insurance for Dummies.

Common empty-home scenarios

Here's what you need to know about common empty-home scenarios and their impact on your home insurance coverage.

Leaving your home empty while traveling. Owners of vacation homes occupied for only part of the year or people who leave their primary homes for extended trips may need to pay a surcharge for an endorsement that provides additional coverage.

Asking a house sitter to watch over an empty home. Individual insurance companies vary in the way they view house sitters. Dubisky says that having a house sitter or neighbor check on your property may not make a difference to your insurance company, since the property is not occupied by the owner.

Leaving a house vacant while trying to rent or sell it. Most insurance companies require either an endorsement or a separate, new home insurance policy for a dwelling left vacant while the owners try to rent or sell. 

"Coverage for a vacant home will be more restricted than regular home insurance, covering standard perils such as fire and wind, but not perils such as water damage due to frozen pipes, glass breakage or vandalism," says Caughron.

Not all companies offer vacant-home policies, but some specialize in this type of home insurance.

Home price appreciation continues to accelerate. Today, prices are driven by the simple concept of supply and demand. Homes appreciated 12.6 percent in FL over the past year. What is your home worth?

🎉 Congratulations to our Seller! This great home went 𝓤𝓷𝓭𝓮𝓻 𝓒𝓸𝓷𝓽𝓻𝓪𝓬𝓽!

Thinking about selling? I'd love the opportunity to help! https://shorturl.at/tLQvI

The choice of a real estate partner will determine all aspects of your buying and selling activities in the competitive Marble Falls market. The next step in your research process is to investigate real estate agents in Marble Falls, TX, as this will give you access to market experts who possess comprehensive knowledge of market dynamics and price trends, property characteristics, and buyer requirements. The process will become simpler to handle because this solution will enhance operational efficiency.

Why Is a Marble Falls, Texas, Relocation Guide Important? 

Moving to a new city is not only about selecting a home but also about knowing what kind of life it entails, the kind of community it represents, and how convenient the area is. At the very beginning of the move, having access to a Marble Falls, Texas relocation guide helps you learn more about neighborhoods, schools, medical facilities, and transportation options. You will be able to select the right place for you based on your requirements.

What Defines the Best Listing Agent in Marble Falls, TX? 

The selling process cannot be completed simply by posting an advertisement on any platform; rather, it requires a sound strategy and proper negotiation. When choosing a professional, finding the best listing agent in Marble Falls, TX, will have a significant impact on your ultimate outcome. These agents leverage high-end imagery, marketing strategies, and accurate pricing to attract interested buyers to your property. They are experienced enough to set your property in the right direction to sell at a high value.

How Do Local Experts Help You Make Smarter Property Decisions? 

Local real estate experts have a unique understanding of market trends and the buying cycle that goes well beyond listing and pricing your property. You will gain insights into market dynamics, demand cycles, and even how buyers behave in the area, which makes decision-making much easier for you. Whether you decide to buy or sell your property, their advice will ensure you act in line with current market conditions.

What Should You Expect During the Buying or Selling Process? 

The property buying process involves a series of steps, each requiring organization and clarity. This is what you should anticipate during your property transaction:

Communication: Consistent information delivery to keep you updated throughout

Transparency: Honest advice regarding cost estimates, timelines, and expectations

Structured assistance: Help from the initial consultation until the completion of the transaction

Legal documentation: Guidance through contract agreements and other paperwork

Inspection: Advice on how to assess the condition of the property

Timely communication: Prompt replies to any inquiries and status reports

Problem-solving: Skilled professionals managing difficult situations

Guidance: Professional advice for decision-making

What Key Factors Should You Consider Before Choosing an Agent? 

It is important that you consider many things in order to be successful when choosing an agent:

Experienced: Has experience dealing with similar situations

Market knowledge: Has knowledge about current market trends and pricing

Communications: Communicates effectively and clearly

Reviews from previous clients: Has good reviews from past customers

Needs: Understands what you need

Problem-solving skills: Can solve problems effectively

Proactive: Is proactive and does not wait for problems

Reliable: Reliable throughout the process

Comparison: Compare different agents

How Can Strategic Marketing Improve Property Sales Results? 

Marketing is vital because it helps attract the right buyers and ensure successful sales. Marketing should incorporate high-quality photographs of the house, an attractive property description, and digital marketing techniques that target specific demographics. Through marketing, it becomes easy to highlight the features of the property, and this creates a lasting impression on the prospective clients. Successful marketing will create interest in the property and attract competitive bids.

Ready to Take the Next Step in Your Real Estate Journey? 

How Gwinnett County Owners position their property as the product of choice for buyers, and keep transactions on track for smooth, timely settlements. See Video at https://youtu.be/wVUhHG7eM4E?si=mZZsKHkx5T5kX4mU

Home Inspection Tips for D-I-Yers https://www.amazon.com/dp/B07DH9NF5N