Blog - Month: September 2019

Month: September 2019

Home Insurance vs. Home Warranty: What’s the Difference?

By Andrea Robinson
September 24, 2019 Category: General

Home ownership comes with a lot of unknowns Will my 15-year-old furnace keep working? Could a freak hailstorm wreck my roof? When you start thinking about all the what ifs, the list can get long. Its impossible to plan for all the things that could go wrong with a house, and when something does happen, home insurance can cover the cost of most incidents to protect your home investment and bank account. But home insurance doesnt cover everything. While insurance can cover the cost of repairing a roof in a freak hailstorm, it doesnt cover the cost of normal wear and tear inside or outside your house. For example, if your A/C stops working because of a super-hot summer season, you cant make an insurance claim for heat failure. You have to replace or repair the system yourself. Thats where a home warranty can fill the gap. What is a Home Warranty? Home warranties are contracts that cover the inner-workings of your home. That means components like your HVAC system or refrigerator stop

What to Do After a Home Inspection in Northeast Ohio

By Andrea Robinson
September 17, 2019 Category: General

When youre buying a home, home inspection day can be one of the most exciting and the most nerve wracking. Its exciting because youre one step closer to owning a house youre really interested in, but if something goes really wrong here, the entire deal can fall through. For better or worse, youll have to decide next steps. Will you negotiate repairs? When should you walk away? What if nothing comes up? If youre wondering what to do next after youve received the results of your home inspection, here are a few tips to help you get started. Negotiating Repairs More often than not, a home inspection will uncover something that needs fixed in the home. This can be large or small, and in the end, someone has to pay real money to make it right. But, when should the seller cover the cost? While you want your home to be perfect when you move in, you shouldnt necessarily use a home inspection as a way to renegotiate the sale. If the repairs are small, DIY projects you can tackle

Offer Letter Template for Homebuyers in Northeast Ohio

By Andrea Robinson
September 03, 2019 Category: General

Its no secret that the housing market is still hot right now, and in most neighborhoods, its a true sellers market especially if youre close to Cleveland, OH! That means if youre shopping for a home this year, you may very well find yourself in a bidding war where multiple buyers want the same perfect house. One way you can stand out in a bidding war is to submit a personal, well-written offer letter. Most realtors will be able to write an offer-letter for you, but adding a personal touch could make or break a deal when things get heated. Start by talking to your realtor to see if writing your own letter makes sense, and if it does, they should be able to guide you as you write a winning offer. Offer Letter Dos and Donts Do express genuine emotion. Describe what unique features drew you to the home that you really like. Is it a location close to the perfect school for your kids? Did you fall in love with the neighborhood? Do include some compliments about the property. Be