“Remember, your insurer is only responsible for damages occurring from the date of registration of your new home at the deeds office onwards – not for any prior problems. This means you need to have any damages fixed by the seller, as a condition of your offer. Otherwise, these could become big issues down-the-line,” he said.First time buys need to know that the property is structurally sound, safe, damage-free and up-to-code.
Steyn advised having a professional inspection and taking a family member or friend along, who has experience and knowledge in spotting potential structural problems.Make sure you get homeowners insurance and house contents insurance a few days PRIOR to moving in. Your first seven days in a new house are when you’re most vulnerable, because you’re usually still figuring out security and all your things are in boxes. So, make sure your insurance is already in place.
Remember you have a duty of care as the policyholder. Should a theft occur, you need to do everything you can to limit the damage – so ensure your front door is fixed and secure if it was damaged through forced entry, for example. Additionally, report any items stolen to the police and your insurer. With the approval of your insurer, you do have a prescribed time to do a proper inventory of everything taken.
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Five things to look out for if you’re buying a home for the first timePersonal Lines Underwriting Manager at Santam, Marius Steyn, said it is important to note that homeowner’s insurance, otherwise known as building insurance, does not cover the contents of your home. 𝐈 𝐬𝐭𝐚𝐫𝐭𝐞𝐝 𝐞𝐚𝐫𝐧𝐢𝐧𝐠 𝐭𝐡𝐞 𝐝𝐚𝐲 𝐈 𝐭𝐨𝐨𝐤 𝐭𝐡𝐞 𝐜𝐨𝐮𝐫𝐚𝐠𝐞 𝐭𝐨 𝐠𝐢𝐯𝐞 𝐚 𝐭𝐫ial with Renee_tasker 𝐚𝐧𝐝 ever since then I have not had any issues of scam all thanks to 𝐬𝐮𝐜𝐜𝐞𝐬𝐬𝐟𝐮𝐥 𝐰𝐢𝐭𝐡𝐝𝐫𝐚𝐰𝐚𝐥. You can contact her :+1 (413) 300-1136 𝐈 𝐬𝐭𝐚𝐫𝐭𝐞𝐝 𝐞𝐚𝐫𝐧𝐢𝐧𝐠 𝐭𝐡𝐞 𝐝𝐚𝐲 𝐈 𝐭𝐨𝐨𝐤 𝐭𝐡𝐞 𝐜𝐨𝐮𝐫𝐚𝐠𝐞 𝐭𝐨 𝐠𝐢𝐯𝐞 𝐚 𝐭𝐫ial with Renee_tasker 𝐚𝐧𝐝 ever since then I have not had any issues of scam all thanks to 𝐬𝐮𝐜𝐜𝐞𝐬𝐬𝐟𝐮𝐥 𝐰𝐢𝐭𝐡𝐝𝐫𝐚𝐰𝐚𝐥. You can contact her :+1 (413) 300-1136
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