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If you are obtaining financing to purchase your home, the lender will require you have proof of home owner insurance before they will grant you a loan. You generally need to pay the first year upfront and show the lender your paid receipt. Your policy does not actually go into effect until you close on the property. If you don’t close, then obviously you would get your money back.

Call up an insurance agent and tell them you need to prove you have home owners insurance prior to closing. They’ll ask you questions about the home you plan on buying and will give you an estimate on monthly amount over the phone. Then you will have to sign paper work. The insurance company will then provide the Lender with a copy of the insurance binder at closing. All lenders require proof of insurance BEFORE closing or you will not close.

I purchased a townhome/condo which is covered under the HOA blanket insurance policy. However, I wanted to get Renters insurance to be covered, I purchased the policy before I ever closed on my house, AND my agent came to me to sign the paperwork.

You have to have something ready to go because you must have insurance from day one if you have any kind of mortgage. No insurance agent will think you’re crazy if you come in to get your policy arranged.

Know what you are buying. Go to a store and check out the the item you are considering. Never buy something like audio equipment without touching and listening to a real one first.

Check the sellers feedback rating. Steer clear of a seller who sells hundreds of items a day and has a feedback rating of less than 98% positive.

Always pay with a credit card or PayPal. This way there is a third party involved keeping track of the transaction.

Using these simple rules-and a little common sense-eBay can be a great way to pick up great gear at a great price.

Hi there.Using eBay to purchase home theater equipment can be a great alternative to buying retail as long as you follow a few rules.before committing to buy something.

(1) check the sellers location
(2) check to see what the shipping costs will be.
(3) only use Paypal or credit card to pay for purchases
(4) check the sellers feedback score and positive percentage rating
(5) And of course the amount the seller wants for the item.

If you follow these rules you should have no problem. I have bought numerous pieces of hi fi gear with eBay( because they have not been available where i live ) and have not had any trouble so far.

Your lender wants to know that you have insurance in place on closing day. It cannot be done after, they need it for a security. Contact a local agent that you know & tell him/her what you are doing, they will be able to help you. It will not cost you anything if finance is not approved, don’t worry. I doubt it is part of your payment, that is a different insurance. Good luck

eBay.com Charge more money. Its better to buy it at best buy or at a sales store like Target. About the feedback it depends on if you commit to buy the item with the seller.Then you leave a feedback to the seller that you are paying for the item. that’s a pain in the neck.

Something is wrong here…
“They” want you to buy an insurance on the house you do not have?
Maybe you misunderstood, when you were told that insurance was required as one of the conditions of getting a mortgage. You need to have a policy “lined up,” have it ready to be in effect, when the house is yours, but you do not have to actually BUY it now.
And who are “they?” The bank? Did you ask them to explain all this to you? What does your Realtor say about it?
Do you have a Realtor working for you? NO? Well, this is why you should never buy real estate without an agent (and it doesn’t even cost you anything to have a Realtor on your side, when you are a buyer.)