Negotiate with Seller

Additional coverage requirements prior to closing:

Proof of Homeowners Insurance: Ensure you provide proof of a homeowners insurance policy. It’s advisable to consider an umbrella policy for added liability protection, which extends coverage beyond the standard homeowners policy to cover potential claims or lawsuits that may exceed your primary coverage limits.

Title Search and Title Insurance: A title search is essential to confirm that the property’s title is clear of any liens or ownership disputes. Title insurance protects against potential errors or issues that may arise from previous ownership changes, such as undisclosed claims, legal encumbrances, or documentation mistakes, ensuring you have a clear and marketable title.