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Creating a Budget for your First Home
Wednesday, September 14, 2011
We all know with the current cost of housing, it can take a very long time to save your deposit. And that’s just the first step towards home ownership. When you are at the stage of looking for a home, it’s vital to keep a very close eye on your expenses. And don’t forget the less obvious things like Texas home insurance.

When you find a home that seems like it’s ‘the one’ you may want to request a builders report to ensure everything is in order before making an offer. This can be a costly process, especially if things don’t go to plan. Bear this mind and only pay for a builder’s report if you are absolutely sure you want to make an offer if all is well. On the other hand, that builder’s report can help you identify any structural and maintenance issues that might cost you money after you move in.

A home with serious maintenance issues or structural damage can be a nightmare. Not only can repairs be costly, but if you were to experience storm damage, and some of the damage was the result of existing problems with the roof of your home rather than just the storm, your insurer may reject or reduce your claim.

And once you do buy, be sure to take out a comprehensive homeowners insurance policy promptly – from the date that insuring the property becomes your responsibility.

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