Sandy Bliven - RE/MAX South County



Posted by Sandy Bliven on 10/19/2017

Home insurance is something that every homeowner needs, but not necessarily something that everyone understands. It’s a great idea to have homeowner’s insurance because it protects your home and all of your possessions. Yet, this insurance is in fact a requirement. Mortgage companies require borrowers to have this protection when they buy a home. You’ll need protection for the amount of what is deemed the “fair value” of your home. This fair value is usually based on the price of purchase. Some renters are even required to have insurance for their property. As stated above, this type of protection is a smart idea. 


What A Home Insurance Policy Covers


The terms of home insurance can be very confusing. Most policies will cover damage to the outside of your home. This will include vandalism, fire, lightning, hurricanes, or down trees that may hit the home. The insurance company will estimate the amount of damage and provide you with funds so that the damage can be repaired. In extreme cases, your home may need to be completely rebuilt. Home insurance does not typically cover floods, earthquakes and home maintenance issues. You may need separate policies or extended policies to get these items covered based on where you live. The interior of your home is covered by home insurance as well. This includes clothing, appliances, furniture and electronics if they are destroyed by something that affects your home. 


Off-Premises Coverage


Some home insurance policies have coverage that includes items that belong to you, no matter where you are when something happens. If you lose jewelry on a trip to Europe, for example, you can get a homeowner’s policy that will cover that. This type of coverage does have strict limits, however, so don’t expect your insurance company to give you 100% of the value of your gold necklace that you lost in Paris! This type of coverage is great for items like engagement rings. 


Liability


Your homeowner’s insurance also includes a liability clause. This includes injuries that occur on your property that have been caused by you or your family. This will even include any problems caused by pets in the home. Beware that insurance companies can limit this type of coverage based on the type of dog breed that you own. Insurance companies may even decline to cover you based on the type of dog you own. If a dog bite does occur on your property and you have a breed that works within the insurance company’s limits, you’ll be covered. If anyone is hurt on your property and files a lawsuit, you’re protected.     

 

Rates


Your insurance rates will be determined by many factors including the neighborhood, crime rates and the climate of the area. Before you choose a place to live, you may want to investigate the insurance costs before you settle on a place to buy.





Posted by Sandy Bliven on 10/18/2017


25 Coastwind DR, Westerly RI, 02891

Single-Family

$324,900
Price

3
Beds Total
7
Numberof Rooms
2/1
Full/Half Baths
This home is move in ready! Its a beautiful Colonial built 2 years ago, this home is like new! Located in a quiet Cul-de-sac. Hardwood floors, tile, carpet, granite counter tops, stainless steel appliances, central cooling, forced air heating. Open floor plan & formal dining room. Three good sized bedrooms with a Master Suite. Additional bonus room, good for a nursery or office space. Laundry room. Partially finished basement adding more square footage to total living area. One car garage. Extended driveway to fit four cars. Maintenance free with a small backyard, just like condo living with the benefits of "your own home." Minutes from the beach. Its no wonder that South County was name as one of the Twelve most distinctive destinations in the world.
Open House
No scheduled Open Houses

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Categories: New Homes  


Posted by Sandy Bliven on 10/13/2017


44 Langworthy RD, Westerly RI, 02891

Single-Family

$579,900
Price

4
Beds Total
9
Numberof Rooms
2/1
Full/Half Baths
Brand new 2017 construction with amazing ocean views!!! This home is bright, light & airy, this home has everything & then some! Open floor plan and kitchen, with quartz kitchen & silestone bath counter tops, hardwood floors, ceramic tile, carpet, tile baths, formal living room, eat in kitchen, BONUS RM, and a third floor "Sky Bar" with kitchen/bar for entertaining your guests. Two car garage and plenty of parking!! This beautiful home has water views from every angle. The salt air is present while sitting on one of four decks (3 decks with water view and rear patio deck with privacy). Only minutes to the beaches, 10 minutes to historic downtown Westerly, train, airport to Block Island, and midway between New York and Boston. NO FLOOD INSURANCE NEEDED!! House in process of being finished, still time to make some decisions and add your finishing touches. Includes a one year home warranty. Optional: out door hot and cold shower, optional. Optional information for an in ground pool. _________________________________________________________________________________________________ Its no wonder that South County was named as one of the twelve most beautiful destinations in the world!!
Open House
Saturday
October 14 at 11:00 AM to 1:00 PM
Stunning views of the Atlantic from this gorgeous newly constructed home. Also Open house at 15 Cosmo Road, Westerly, RI too.
More Open Houses
Cannot make the Open Houses?
Location: 44 Langworthy RD, Westerly RI, 02891    Get Directions

Similar Properties





Categories: Open House  


Posted by Sandy Bliven on 10/13/2017


44 Langworthy RD, Westerly RI, 02891

Single-Family

$579,900
Price

4
Beds Total
9
Numberof Rooms
2/1
Full/Half Baths
Brand new 2017 construction with amazing ocean views!!! This home is bright, light & airy, this home has everything & then some! Open floor plan and kitchen, with quartz kitchen & silestone bath counter tops, hardwood floors, ceramic tile, carpet, tile baths, formal living room, eat in kitchen, BONUS RM, and a third floor "Sky Bar" with kitchen/bar for entertaining your guests. Two car garage and plenty of parking!! This beautiful home has water views from every angle. The salt air is present while sitting on one of four decks (3 decks with water view and rear patio deck with privacy). Only minutes to the beaches, 10 minutes to historic downtown Westerly, train, airport to Block Island, and midway between New York and Boston. NO FLOOD INSURANCE NEEDED!! House in process of being finished, still time to make some decisions and add your finishing touches. Includes a one year home warranty. Optional: out door hot and cold shower, optional. Optional information for an in ground pool. _________________________________________________________________________________________________ Its no wonder that South County was named as one of the twelve most beautiful destinations in the world!!
Open House
Saturday
October 14 at 11:00 AM to 1:00 PM
Stunning views of the Atlantic from this gorgeous newly constructed home. Also Open house at 15 Cosmo Road, Westerly, RI too.
More Open Houses
Cannot make the Open Houses?
Location: 44 Langworthy RD, Westerly RI, 02891    Get Directions

Similar Properties





Categories: Open House  


Posted by Sandy Bliven on 10/13/2017


15 Cosmo ST, Westerly RI, 02891

Single-Family

$399,900
Price

3
Beds Total
8
Numberof Rooms
2/1
Full/Half Baths
Bright, light & airy, this home has everything & then some! Granite kitchen with granite center island, granite counter tops in bath, hardwood floors throughout the 1st floor & optional 2nd floor, tile baths, formal living room & family room, possible bonus room, master bedroom suite overlook the woods of Manfredi/Cosmo Lane. A short bike ride to the beach, shopping centers, and hiking trails. Manfredi Organic Farm is down the road, buy fresh vegetables, feed the goats and donkeys and have a picnic. This house is under construction. Please note "sample pictures" in listing from a previous home built by builder. Includes a one year home warranty. Foundation poured, construction has started, still time to pick out your color choices! Upgrades available. Appliances optional.
Open House
Saturday
October 14 at 11:00 AM to 1:00 PM
Please go to 44 Langworthy Road to meet agent.
More Open Houses
Cannot make the Open Houses?
Location: 15 Cosmo ST, Westerly RI, 02891    Get Directions

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Categories: Open House  




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