Montclair, West Orange and Glen Ridge real estate and homes for sale in New Jersey, condos, condominiums - Lina Panza, REALTOR® Lina Panza REALTOR(r) for Montclair, West Orange and Glen Ridge, New Jersey real estate, condos, condominiums - NUMBER1EXPERT™ Lina Panza NUMBER1EXPERT(tm) for Montclair, West Orange and Glen Ridge, New Jersey real estate, condos, condominiums
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Lina Panza, REALTOR®, real estate agent and broker for Montclair, West Orange and Glen Ridge New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

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Real Estate Tips
Insurance >Hazard Insurance

Are you considering taking out hazard insurance on a property before you actually take title? It may be a good idea!

Even though you are not yet the owner of record, as the buyer, you have an insurable interest in a property the moment that you and the seller execute the sales agreement. As a matter of practice, however, buyers do not usually take out insurance until the papers change hands, and it should not be necessary if the agreement of sale is properly executed.

It is very important to both parties that the agreement states that the property will be insured for a specific amount. From the buyer's point of view, an adequate sum must be stipulated, and the agreement should not read "as now insured", which can indicate that the seller may not want to increase the insurance.

As a general rule, the amount of insurance on the buildings on a property should equal the sales price, less the value of the lot.

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Real Estate Trivia
Q 
What economic factor can make the purchase of a home an excellent long-term investment?

A 
Home price appreciation can result in a substantial return on the buyer's investment as a house increases in value over time.
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Lina Panza, REALTOR®, real estate agent and broker for Montclair, West Orange and Glen Ridge New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Lina Panza
RE/MAX Village Square

516 Valley Road
Upper Montclair, NJ 07043
Lina's Office: 973-809-5277
Lina’s Cell : 973-809-5277
Fax: 973-509-7779
Email: Pauline@NUMBER1EXPERT.com

ABOUT ME
I have a passion for houses and real estate, as well as credentials that give you an advantage. I have a Bachelors degree in design and architecture from Carnegie Mellon. I also have an MBA in marketing—a big plus if you chose me to sell your house—I have won both RE/MAX sales awards as well as the New Jersey Association of Realtors Circle of Excellence Award for 2008. I grew up in Manhattan, within walking distance of the U.N. My father took me to the Museum of Modern Art every Sunday. Immersed in the culture of New York City, I found it difficult to leave. But like many ex-New Yorkers, I moved to New Jersey because I wanted more space, a good community where I could raise a family and a yard where I could build a garden. I have come to love it here and I’m happy to share my two decades of local knowledge and contacts to help you get settled. My clients have come to rely on me for house, garden and community advice long after the sales transaction is over.

Equal Housing MLS REALTOR


RE/MAX Village Square real estate and homes for sale in Montclair, West Orange and Glen Ridge New Jersey

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