Guardian Property | August 24 by Ashburton Guardian

Property August 24, 2018

& LIFESTYLE

find

WHAT A

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What a find 34 Saunders Road, Allenton This three bedroom property is a must view. Loads of work has been done throughout making it a very stylish proposition indeed. An updated kitchen and bathroom with a new log burner and heat pump you will be comfortable all-year round. Living leading out to a deck area and onto an undercover seating area for summer entertaining. Three good sized bedrooms and loads

of storage throughout the property. Two toilets and a separate laundry. New plantings in the gardens which encourages privacy. A two-bay garage with a workshop to the side, a vege garden and a glasshouse for those wanting to grow their own produce. The exterior has been modernised with paint and the roof is new. All of this on a quarter acre – be quick today!

OPEN HOME Saturday, August 25 10am - 10.30am or by appointment

Debbie Boon Phone 027 448 4006 or 03 307 7377

For sale

Garaging

Heating

Two-car garaging on a 1,012 square metre section

Compliant log burner and heat pump

$379,000 bayleys.co.nz/558050

New dining tables now available at Redmonds 1.

FURNISHINGS | FLOORING | CURTAINS

Stockholm dining table $ 1850 2. Pod chair white $ 289 each 3. Idaho grey washed oak dining table $ 3699 4. Bastide emerald chair $ 399 each 5. Milano dining table $ 1,199 6. Paris dining chair $ 299 each

Burnett Street, Ashburton Phone (03) 308 5269 | www.redmonds.co.nz

WHAT PROPERTY BUYERS NEED TO

know about insurance Kevin Lampen-Smith

REA

Your property is likely to be your most valuable asset, so it goes without saying that you’d want to insure it. If anything were to happen, like a fire or natural disaster, it can be hugely stressful emotionally and financially. Lately, many insurance companies have been reviewing the way they insure and what they charge as premiums, as natural events are only becoming more common worldwide. If you’re looking to buy or sell, it’s important to think carefully about your insurance options. “Insurance needs to be right up there on your to-do list when buying a home. A reputable lender will usually want proof that you’ve arranged property insurance before settlement,” says Kevin Lampen-Smith, chief executive of the Real Estate Authority (REA). Finding out about a property’s insurability starts with talking to different insurance companies to get quotes. Consider meeting with an insurance broker – an independent insurance expert who doesn’t work for any particular insurance company. If you haven’t owned a property before but you have contents insurance, contact the company that this insurance is with. Having an existing relationship with an insurer can help show others that you’re a good risk. An insurer will want to know details about the property, like its address, age, condition and what materials it’s made from. “If there’s a licensed real estate agent selling the property, they can help you with this information. You can also ask if the property is currently insured and whether there have been any incidents at the property that could affect its chances of being reinsured in the future,” Lampen-Smith says. Ask whether the property has been subject to an Earthquake Commission (EQC) claim. If it has, request more information and seek legal advice. Be aware that insurance companies are reassessing how they cover coastal or cliff-top properties due to the increasing risk of environmental damage. “As the risk changes, the cost of premiums may increase, exclusions may be added, or insurance cover may be withdrawn for some properties,” he says.

“

If there’s a licensed real estate agent selling the property, they can help you with this information. You can also ask if the property is currently insured and whether there have been any incidents at the property that could affect its chances of being reinsured in the future

The most common type of insurance cover is sum insured – you decide how much cover you want, based on what it would cost to completely rebuild the property. “It’s important to get this number right,” Lampen-Smith explains. “Set it too high and you could be paying for insurance you don’t need, but set it too low and the payout may not be enough to rebuild the home.” While earthquake damage is covered by EQC, in order to qualify for it you must have valid private home and/or contents insurance that includes fire insurance.

If you’re looking at an apartment, this insurance will usually be included in the annual body corporate fee. “Check this carefully before you make the offer.” If you cannot find a company willing to insure a property you’re interested in, it may be safer to walk away. “If you do find a place that an insurer is happy to cover, make sure you read and understand the policy. Don’t leave any insurance matters to the last minute or fail to read the fine print,” Lampen-Smith warns. If the insurer agrees to cover the

”

property, and your offer is accepted, let your lender know immediately. You will need the insurance to start on settlement day when the property officially becomes yours, even if you aren’t moving in that day.

For independent advice on buying or selling property, check out settled.govt.nz. – REA

bayleys.co.nz

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