Homeowner's Insurance mortgage

Looking to buy or sell a home in Covina, California? Click here to perform a full home search, or if you're thinking of selling your home, click here for a FREE Home Price  Evaluation so you know what buyers will pay for your home in today's market.  You may also call us at (626) 643-0723 for a FREE home buying or selling consultation to answer any of your real estate questions. 

The Importance of Homeowner's Insurance When Purchasing a Home

Today I have Gabriel Kutkowski from Farmer's Insurance Group to tell us about the importance of homeowner's insurance.

Home owner's insurance protects the property of the insured from specified losses due to fire, hail, floods, hurricanes, etc. While this insurance is not required by law, most mortgage lenders will require you to have insurance if you borrow money from them. Homeowner's insurance will not only protect you from disasters, but these insurance companies can also sometimes help to make your home more resistant to natural disasters.

One of the questions that Gabriel often gets asked is, "How much is my premium going to be?"

There is not a clear cut answer to this question, because there are a lot of factors that go into this. Some of the things that will affect your premium are: the type of house you're buying, where you're buying, if you're married, if you're bundling auto insurance with your mortgage, if you have a dog, if you have a swimming pool, etc.

These are a few of the things that Gabriel has to ask his clients in order to insure them properly. It's very difficult to say what a premium will actually be for a given individual simply because of all the factors that go into assigning home insurance.

So, if you're curious and want to know more about what your premium might look like, you can reach Gabriel at (626) 335-6700.

As always, I am always here to answer any questions you might have about Covina real estate. Whether you're buying, selling, or even thinking about getting involved in real estate, I am always here to help you.

You can reach me at (626) 643-0723 or shoot me an email at CC@CCandCO.net


Email Subject Line: What You Need to Know About Homeowner's Insurance

Home Buying Tips - Termite Inspections

Looking to buy or sell a home in Covina, California? Click here to perform a full home search, or if you're thinking of selling your home, click here for a FREE Home Price  Evaluation so you know what buyers will pay for your home in today's market.  You may also call us at (626) 643-0723 for a FREE home buying or selling consultation to answer any of your real estate questions. 

Today I'm going to be talking about the importance of home inspections, but more precisely, termite inspections.

Let me introduce Frank Aguirre from Buy-Rite Termite & Pest Control.

The main point of termite inspections is to detect the absence of presence of wood-destroying pests and organisms.

• The pests are the termites, and the organisms are things such as dry rot or water rot.
• Whether you're buying or selling you need a thorough inspection.
• If there is an active problem, then you will need to identify the species causing it, because there are different ways to treat different problems. You can either treat them locally, or treat the problem by way of fumigation.
• Termites require fumigation, and dry rot will require the replacement of the wood that is infected.
• Most sources of rot come from leaky showers or toilets.
• In a termite report you can expect 5-8 pages of documentation including pictures.
• Frank recommends that you get a termite inspection once every year, as termites swarm 6-8 times per year.
• Getting a termite inspection every three years is the equivalent of going to the doctor every three years, which is just not healthy.

Frank is a licensed pest control operator and he can be reached at (888) 575-2782

As always, if you need any help with real estate in the Covina area, give me a call at (626) 643-0723 or email me at CC@CCandCO.net