Home Inspection and Insurance

"Beauty is only skin deep" is especially true for houses. A fresh coat of paint or new carpeting may disguise serious flaws. That's why you want to make sure a professional inspects your new home. And to protect your most valuable investment, be sure to have homeowner's insurance.

Homeowner's Insurance
Your home typically is the single biggest investment you'll ever make and by protecting it with homeowner's insurance you'll have financial protection against the unexpected. Aside from protecting your home and your possessions, it provides you with liability coverage.

Through Champion Realty Insurance, we can help you find a broker for your home insurance needs. Because we represent several nationally recognized insurance companies, we can assist you in obtaining the right coverage, a competitive price and exceptional service. Carriers we represent include:

• Chubb
• Encompass
• Kemper
• Progressive
• Travelers
  

Coverages we offer include:

• Homeowner's
• Townhome
• Boat and Jet Ski
• Auto
• Condo
• Flood
• Fine Art/Jewelry
  

We will be there every step of the way to ensure you have all the required documents at the time of your closing. And after closing, we are there for you should you make a claim.

Home Inspection
A professional home inspector surveys the foundation and structure, roof, exterior, major systems (electrical, heating, cooling and plumbing), and appliances that will stay with the home.

Tour the house with the inspector, who will point out potential trouble areas, as well as what's "sound." If the inspection does turn up some flaws, a seller is often willing to make repairs, but it may depend on market conditions.

Take notes as you tour. Get the inspection report in writing. You will need to provide a copy of the home inspection to the seller when you make your repair requests.This document will support or deny the contingency addendum to your agreement.

You can add a home inspection contingency to your purchase agreement.

An inspection may take a few hours and cost a few hundred dollars, but it can save you time and headaches in the long run. Your agent can provide you with the names of reputable licensed inspection copanies, who can provide you with the professional home inspection you need.