Allen Ridge Neighborhood 

Interior
• 9' ceilings first floor
• "Armstrong" vinyl in foyer, kitchen, nook, bathrooms and laundry
• Carpet with upgrade pad
• Ventless fireplace with marble surround
• "Merillat" maple cabinetry
• "Wilsonart" formica kitchen countertops
• Cultured marble vanity tops
• Double vanity in master bathroom
• Pedestal sinks in half bath with oval mirror
• Full mirrors over all vanities
• White light fixtures
• Ventilated closet shelving
• 1-piece fiberglass tubs and showers
• Elongated commodes
• Single lever bath faucets
• Brushed nickel door knobs and hinges
• Chrome plumbing fixtures
• Designed interior paint colors with white trim and ceilings – one color per home
• “GE” appliances – range, dishwasher, disposal, and microwave
• Overhead lights in all bedrooms
• Ceiling fan prewires in master bedroom and living room
• Phone and cable prewires in living room and all bedrooms
• Phone prewire in kitchen
• Gas hot water heater

Exterior
• “Revere” low maintenance vinyl siding
• Double hung vinyl windows with tilt sash and screens
• Fiberclassic front entry door with handle set, lock and kickplate
• Vinyl clad patio slider per plan
• Slab foundation with brick
• 10’ x 12’ concrete patio
• “Owens Corning” black onyx shingles
• Accent colors for vinyl shingles
• Treated wood porch columns with decorative trim
• Hosebibbs and electrical receptacles – front and rear
• Floodlights – front and rear
• Garage door with opener and remote
• Gutters and downspouts

Are you considering taking out hazard insurance on a property before you actually take title? It may be a good idea!

Even though you are not yet the owner of record, as the buyer, you have an insurable interest in a property the moment that you and the seller execute the sales agreement. As a matter of practice, however, buyers do not usually take out insurance until the papers change hands, and it should not be necessary if the agreement of sale is properly executed.

It is very important to both parties that the agreement states that the property will be insured for a specific amount. From the buyer's point of view, an adequate sum must be stipulated, and the agreement should not read "as now insured", which can indicate that the seller may not want to increase the insurance.

As a general rule, the amount of insurance on the buildings on a property should equal the sales price, less the value of the lot.

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