insurance

E 2 POST REGISTER Friday, February 21, 2014

R E A L E S TAT ETo advertise, call (208) 524-7355 or [email protected]★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★

Post Register

100Homes under

$100,000

24 Hours Free RecordedInformation

Call 1-800-218-7936 andenter code ext# 1137 formore details and current

price of this home.

Adorable home just 5 minutes from town. Thishome comes with a 2 cardetached garage, woodcabinets and a beautiful

landscaped yard.Call the hotline for moredetails. 1-800-218-7936

ext# 1137

SONDRA WARD(208)521-0560

Cute centrally locatedhome with a metal roof

and large fenced yard. 4bedrooms and 1 fullrefinished bathroom.Hardwood flooring onboth main and upper

floors, larger bedroomswith good sized closets.Home is move in readywith great personality.

$125,000 MLS #188158

Call Kerry@(208)521-2827

This clean home sits ona HUGE lot surrounded

by beautiful mature trees& is fully fenced with auto

sprinklers! You’ll be pleasantly surprised by

the vaulted ceiling &open floor-plan. It is alsoequipped with all major

kitchen appliances & thewasher & dryer are evennegotiable. Bedroomsare good sized & there

are 2 FULL BATHS! Top itall off with gas heat &

central air! Nestled at theback of a quiet cul-de-

sac close to schools. Thisis a manufactured homeon a permanent founda-

tion, so it can be financedas Real Property. MLS #188015

$74,000

Call Tina @(208)709-7796



price of this home.

Country home on over3.8 acres with a 2 caroversize garage with

shop (25x32). Bring allyour animals and live-

stock to belly highpasture. Outbuildings

and corrals for theanimals.

Call the hotline for moredetails. 1-800-218-7936

ext# 1077


Vaulted Ceilings, Custom Cabinets, Living Rm, 3

Bedrooms, 2 Bath, 2 CarGarage, Laundry, Walk-in

Closet in Master. NewAmmon Subdivision,

close to schools, 1 YearWarranty! Only $124,000

Call 208-542-9300Payments as low as $860

per month!

BRAND NEWHOME!!!

Finally! This well caredfor vintage home has

maintained its characterover the years, and stillhas original features.From the front door

through the home to thefenced back yard and

even to the kitchen sink,this home is special. Bar-

rel ceilings are rarelyseen - but you will findthem here. Every roomhas something special.

Two bedrooms and a fullbath on the main floor,

and another bedroom inthe basement. Home also

has hardwood floors.Basement has plenty ofspace to store your per-sonal belongings. Thereis even a family room inthe basement that couldbe used for an office or

whatever you might needfor additional space.

Located in Crows Addi-tion on the numberedstreets, this charminghome is located in a

highly desired locationand is a property worth

checking out!MLS #188199 $119,900

Call Rick @(208)339-5211

377 12th Street

2540 sq. ft. home inbeautiful neighborhood

with 3 bedrooms, 2baths, Spacious greatroom area with custom

kitchen, large dining andfamily room, vaultedceilings, wood & tile

floors, and a beautifulmaster suite with walk-incloset and master bath.

Ben 208-681-5335Levi 208-709-7152

Homes $100k to $125,000

Homes $100k 102

240 Lincoln,American Falls

The updates in thishome located near theintermediate and ele-mentary school willamaze you. Modernupdated kitchen with

beautiful tile, countertoprange, built in oven, and

lots of cabinet space.New carpet and woodfloors. Vinyl windows

and a large 2 car garagewith alley entrance.

$124,900

Call Liz @(208)681-5189

HUD PUBLISHER’S NOTICE

EQUAL HOUSINGOPPORTUNITY

All real estate advertising inthis newspaper is subject tothe Fair Housing Act whichmakes it illegal to advertise“any preference limitation ord iscr iminat ion based onrace, color, rel igion, sex,handicap, familial status, ornational origin, or an inten-tion, to make any such pref-erence, limitation or discrimi-na t i on . ” Fami l i a l s t a tu sincludes children under theage of 18 living with parentsor legal custodians; preg-nant women and peoplesecuring custody of childrenunder 18.Th is newspaper w i l l no tknowingly accept any adver-tising for real estate which isin violation of the law. Ourreaders are hereby informedthat all dwellings advertisedin this newspaper are avail-able on an equal opportunitybasis. To complain of dis-crimination call HUD Toll-free at 1-800-669-9777.


Call 1-800-218-7936 entercode ext# 1057

for more details andcurrent price of this

home.

This absolutely beautifulhome is in a quiet West-side neighborhood. With

an open patio, woodfencing, established

trees, and flower beds,you will enjoy being out-doors. The home hasnewer carpet, a newbathroom down, andmaster bedroom with

over-sized closet. Don'tmiss out on this great

home. Call the hotline formore information.1-800-218-7936

ext# 1057.

Call Sondra Ward(208)521-0560

REDUCED!!!

BRAND NEW!

$169,900Rigby 1 acre lot

2784 square foot homewith 3 Bedrooms, 2

baths, granite, tile, jettedtub, master suite, fullunfinished basement.with private septic and

well.

Office 522-4505Bryan 241-3091

www.fallcreekhomes.net*Landscaping not

included

2600 sq. ft. 3 bedroom 2bath home with largefamily room, spacious

kitchen, vaulted ceilings,large master suite with

walk-in closet andbeautiful master bath with

tile accents, fullylandscaped yard, and full

unfinished basement.$145,900

Ben 208-681-5335, Levi 208-709-7152

Finishing touches beingapplied to this quality

home built on a .40 acrelot in a country

subdivision approxi-mately 10 miles north ofIdaho Falls. Main floorapproximately 1440

square feet, 3 bedroom,2 full baths, full base-

ment. Large main floorlaundry/pantry knottyalder cabinetry, lots of

tile, master has jetted-tub and walk-in

closet.

BONUS: Large 2 cargarage and attached 700foot insulated shop with12X12 overhead door!

$189,300. Call Randy @(208)521-1599 or

522-8898 or email

[email protected]

NEW HOME WITHSHOP!!!

PRICE REDUCED

Vintage 1936 home in thedesirable Crows Additionwith many updates andmodern amenities. Wellcared for home and it

shows throughout. Muchnew exterior paint.

Hardwood floors, nicecustom paint inside with

modern colors, woodsash windows, front

porch trex deck, backstone patio with hot tub,fresh landscaping, toolshed, attached garage,separate dining area.Very private and goodsized backyard comeswith a fully automatic

sprinkler system (frontand back) and a paverpatio for outdoor relax-

ation. Very peacefulneighborhood. This home

is a very nice blend ofretro features and mod-

ern upgrades and is donewell. An alarm system isalso in place and can be

easily transferred.Schedule a tour today.

MLS #188305$127,500

355 13th Street

Call Rick @(208)339-5211

$194,900 Rigby 1 acre lot

2965 Square FeetCustom home with 3 car

garage, 3 Bedroom, 2Bath, jetted tub, tile, fullunfinished basement,granite, with Private

septic and well.

Office 522-4505Bruce 681-6684

www.fallcreekhomes.net

Homes $175k to $200,000

108106Homes $150k to $175,000



price of this home.

A magnificent home withegress windows through-

out the basement.Call the hotline for moredetails. 1-800-218-7936

ext# 1097


104Homes $125k to $150,000

By Eryn Shay JohnsonFor the Post Register

Editor’s note: This is the fifth story in a series covering the home-buying

process. Each week will cover the steps you can expect to go through

before moving day.

A home is one of the most ex-pensive purchases you will make in a lifetime, so it makes sense that you would want to protect that purchase from disaster, theft or ac-cident.

One of the best ways to protect your investment is through home-owners insurance.

Those new to the homeown-er’s club may have some questions about homeowners insurance and the process of obtaining it.

“If you have a mortgage they require it,” said Misty Adams of Sound Insurance. “[Lenders] al-ways require insurance at closing.”

Adams has seen first time home-owners come through Sound In-surance for eight years. She has sold insurance for 22 years.

According to Adams the insur-ance company will need to know a few things about the home. What type of home did you purchase, what materials were used in con-struction, what year was it built, how many square feet, where is the home located and what is the prop-erty value? Avoid being caught off guard by knowing these answers ahead of time.

Knowing the answers to these

questions can make the process of obtaining insurance easier. But knowing the right questions to ask can make for a better experience.

“The one thing they always do is use credit as a reference for insur-ance,” Adams said. “Each carrier calculates a letter or number score. Depending on your score, your in-surance rates will differ.”

One big tip Adams recommends

to those just starting out is to look for bundling and package deals.

“Look for a package,” she added. “Your cost could be 10-25 percent less if you package it together.”

Some features of the home can increase insurance rates; wood stoves, how far the home is from the fire department or fire hydrant and even dogs.

“That’s one of the first questions

we ask,” said Adams. “Do you have animals? Aggressive dogs are the only ones they [deem] unacceptable.”

According to Rod Tieken, own-er of Falls Insurance, liability is the biggest concern first time couples generally have. Liability is the big one because young couples don’t usually have a large amount of fur-niture or special fixtures.

Insurance companies generally

break up coverage into four areas; coverage A which covers the home, coverage B that covers outbuild-ings, C which covers the contents of the home and D coverage that covers any additional costs.

“The problem that most buyers are going to have is the cost,” Tiek-en said. “They bought the house for $70,000, but they have to have it covered for $100,000.”

“The bank is the one holding the bag and that frustrates people,” he added. “Most of it is a bank issue.”

First time buyers often take a loan out to purchase a home so the insurance is not only in their best interest but in the bank’s as well.

Tieken and Adams both claim that there are limitations on home own-ers insurance that first time buyers are unaware of. How much the insur-ance covers for theft of collectible, ex-pensive items and even gifts are items that buyers often miss.

“Let’s say a young man has a gun his father bought him,” Tieken said as an example. “The insurance only covers $1,000 when the gun is worth $5,000 if that gun is stolen. If the home burns down the whole amount is covered.”

Because most companies do a credit check Tieken warns against the number of credit cards one may accumulate in their youth.

“Limit your number of cards, get rid of them, and if you want good premiums pay off your bills. Pay your bills on time — they really look at that, paying consistently late is a black mark,” he said.

REALTOR NEWSTo advertise, call (208) 524-7355 or [email protected]★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★

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Safety netHomeowners insurance could save you in the future

Homeowners insurance can help cover expenses should disaster strike your home. (Stock photo)

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