{"id":923,"date":"2016-04-25T14:34:58","date_gmt":"2016-04-25T14:34:58","guid":{"rendered":"https:\/\/pablobeach.shapiroinsurancegroup.com\/?p=923"},"modified":"2018-03-19T13:09:37","modified_gmt":"2018-03-19T13:09:37","slug":"consider-purchasing-new-home","status":"publish","type":"post","link":"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/","title":{"rendered":"What to Consider When Purchasing a New Home"},"content":{"rendered":"

<\/span>As an Insurance Agency owner, Florida Homeowner, and Father I have had my fair share of home buying\u00a0experiences. Over the past eleven years as one of the\u00a0top Homeowners Agencies in the state<\/a><\/strong>, we have helped\u00a0thousands of clients with the purchase of their new home. There are several steps a home buyer\u00a0must go through\u00a0to get to the closing table. On expertise in this transaction\u00a0primarily deals with the Home Insurance, and in many cases Flood Insurance as well.<\/p>\n

Today we will touch on several key steps\u00a0to\u00a0ensure you have everything squared away prior to closing.<\/p>\n

Steps to take before closing on a new home<\/h2>\n
    \n
  1. Negotiate an acceptable purchase price<\/strong>\u00a0that works for both you\u00a0and the seller. This is where an\u00a0experienced Real Estate agent or broker can really help<\/a>. Also the neighborhood is hugely important. Proximity to schools, grocery stores, church, parks, work, etc. These are the things you will be buying into as far as lifestyle.<\/li>\n
  2. If you are not paying cash for the home,\u00a0be prepared to get a mortgage<\/strong>. This can be a process. Make sure your credit is in good standing. After the financial crises a few years back, banks have become\u00a0very strict on credit and it will affect your mortgage rates, good or bad, depending on your credit score.<\/li>\n
  3. A home inspection is vital<\/strong>. You need to know what you are actually buying. Just because the home has pretty wood floors and a big back yard doesn\u2019t mean it is a perfect home. You need to know what is on the inside so you do not have that surprise expense come out of nowhere. Some things to consider if the home is not brand new:- What is the age of the roof?
    \n– When was the plumbing updated?
    \n– What type of electrical panel does it have?
    \n– What kind of wiring?
    \n– Is the plumbing original or has it been replaced?Insurance carriers all have different underwriting guide lines, and one shoe does not necessarily fit all.<\/li>\n
  4. How long do you think you will be in the home<\/strong>\u00a0that you are purchasing? Let\u2019s take for example you like the new sub division across town. I would ask how many homes are being built and about how many were\u00a0sold in a year. If a community has 500 homes and sells about 50 per year you might be looking at a 10-year build out. If you plan on being there five years, then be prepared to compete with the builder\/developer when you put your home on the market.<\/li>\n
  5. Return on investment<\/strong>\u00a0is key. You want to try and make sure the home is in a nice area and not a declining market. Also things like number of bedrooms are important for resale. Is there room for a home office if you work from home? Even if some of these needs are not directly important you they might be to the next owner.<\/li>\n
  6. After all is said and done. Is this a home\u00a0you and your family can relax and enjoy<\/strong>? After all the boxes are put away and you have repainted the interior and decorated it to your liking that is what it is all about.<\/li>\n<\/ol>\n
    \n

    Florida\u00a0Insurance Experts<\/h2>\n

    For over 13 years, PBIG has been helping Florida residents\u00a0by getting them the right coverage at the right price. We are locally owned, have a casual approach, and deliver professional results.\u00a0Click below<\/strong>\u00a0<\/a>\"\"<\/a>to get a no-hassle, free quote from one of our experts.<\/p>\n

     <\/p>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    As an Insurance Agency owner, Florida Homeowner, and Father I have had my fair share of home buying\u00a0experiences. Over the past eleven years as one of the\u00a0top Homeowners Agencies in the state, we have helped\u00a0thousands of clients with the purchase of their new home. There are several steps a home buyer\u00a0must go through\u00a0to get to […]<\/p>\n","protected":false},"author":11,"featured_media":924,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[7],"tags":[],"yoast_head":"\nWhat to Consider When Purchasing a New Home - Pablo Beach Insurance Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What to Consider When Purchasing a New Home - Pablo Beach Insurance Group\" \/>\n<meta property=\"og:description\" content=\"As an Insurance Agency owner, Florida Homeowner, and Father I have had my fair share of home buying\u00a0experiences. Over the past eleven years as one of the\u00a0top Homeowners Agencies in the state, we have helped\u00a0thousands of clients with the purchase of their new home. There are several steps a home buyer\u00a0must go through\u00a0to get to […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/\" \/>\n<meta property=\"og:site_name\" content=\"Pablo Beach Insurance Group\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PabloBeachInsuranceGroup\" \/>\n<meta property=\"article:published_time\" content=\"2016-04-25T14:34:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-03-19T13:09:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2016\/04\/Florida-Homeowners-Insurance-3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Gilberto Rodriguez\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gilberto Rodriguez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/\"},\"author\":{\"name\":\"Gilberto Rodriguez\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/person\/74ca87cefc774f198fcc73c5adeb3ff9\"},\"headline\":\"What to Consider When Purchasing a New Home\",\"datePublished\":\"2016-04-25T14:34:58+00:00\",\"dateModified\":\"2018-03-19T13:09:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/\"},\"wordCount\":597,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#organization\"},\"articleSection\":[\"Homeowners Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/\",\"url\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/\",\"name\":\"What to Consider When Purchasing a New Home - Pablo Beach Insurance Group\",\"isPartOf\":{\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#website\"},\"datePublished\":\"2016-04-25T14:34:58+00:00\",\"dateModified\":\"2018-03-19T13:09:37+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What to Consider When Purchasing a New Home\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#website\",\"url\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/\",\"name\":\"Pablo Beach Insurance Group\",\"description\":\"Jacksonville Homeowners Insurance and Medicare Insurance\",\"publisher\":{\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#organization\",\"name\":\"Pablo Beach Insurance Group\",\"url\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2015\/01\/PABLO-BEACH-77106108-276x300.jpg\",\"contentUrl\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2015\/01\/PABLO-BEACH-77106108-276x300.jpg\",\"width\":276,\"height\":300,\"caption\":\"Pablo Beach Insurance Group\"},\"image\":{\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.instagram.com\/pablobeachinsurance\/\",\"https:\/\/www.linkedin.com\/company\/pablo-beach-insurance-group\",\"https:\/\/www.facebook.com\/PabloBeachInsuranceGroup\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/person\/74ca87cefc774f198fcc73c5adeb3ff9\",\"name\":\"Gilberto Rodriguez\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a8fea24703e126886d81833dbe7cad1e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a8fea24703e126886d81833dbe7cad1e?s=96&d=mm&r=g\",\"caption\":\"Gilberto Rodriguez\"},\"url\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/author\/itsupport\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What to Consider When Purchasing a New Home - Pablo Beach Insurance Group","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/","og_locale":"en_US","og_type":"article","og_title":"What to Consider When Purchasing a New Home - Pablo Beach Insurance Group","og_description":"As an Insurance Agency owner, Florida Homeowner, and Father I have had my fair share of home buying\u00a0experiences. Over the past eleven years as one of the\u00a0top Homeowners Agencies in the state, we have helped\u00a0thousands of clients with the purchase of their new home. There are several steps a home buyer\u00a0must go through\u00a0to get to […]","og_url":"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/","og_site_name":"Pablo Beach Insurance Group","article_publisher":"https:\/\/www.facebook.com\/PabloBeachInsuranceGroup","article_published_time":"2016-04-25T14:34:58+00:00","article_modified_time":"2018-03-19T13:09:37+00:00","og_image":[{"width":1920,"height":1280,"url":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2016\/04\/Florida-Homeowners-Insurance-3.jpg","type":"image\/jpeg"}],"author":"Gilberto Rodriguez","twitter_misc":{"Written by":"Gilberto Rodriguez","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/#article","isPartOf":{"@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/"},"author":{"name":"Gilberto Rodriguez","@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/person\/74ca87cefc774f198fcc73c5adeb3ff9"},"headline":"What to Consider When Purchasing a New Home","datePublished":"2016-04-25T14:34:58+00:00","dateModified":"2018-03-19T13:09:37+00:00","mainEntityOfPage":{"@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/"},"wordCount":597,"commentCount":0,"publisher":{"@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/#organization"},"articleSection":["Homeowners Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/","url":"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/","name":"What to Consider When Purchasing a New Home - Pablo Beach Insurance Group","isPartOf":{"@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/#website"},"datePublished":"2016-04-25T14:34:58+00:00","dateModified":"2018-03-19T13:09:37+00:00","breadcrumb":{"@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/consider-purchasing-new-home\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/pablobeach.shapiroinsurancegroup.com\/"},{"@type":"ListItem","position":2,"name":"What to Consider When Purchasing a New Home"}]},{"@type":"WebSite","@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/#website","url":"https:\/\/pablobeach.shapiroinsurancegroup.com\/","name":"Pablo Beach Insurance Group","description":"Jacksonville Homeowners Insurance and Medicare Insurance","publisher":{"@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pablobeach.shapiroinsurancegroup.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/#organization","name":"Pablo Beach Insurance Group","url":"https:\/\/pablobeach.shapiroinsurancegroup.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/logo\/image\/","url":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2015\/01\/PABLO-BEACH-77106108-276x300.jpg","contentUrl":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2015\/01\/PABLO-BEACH-77106108-276x300.jpg","width":276,"height":300,"caption":"Pablo Beach Insurance Group"},"image":{"@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.instagram.com\/pablobeachinsurance\/","https:\/\/www.linkedin.com\/company\/pablo-beach-insurance-group","https:\/\/www.facebook.com\/PabloBeachInsuranceGroup"]},{"@type":"Person","@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/person\/74ca87cefc774f198fcc73c5adeb3ff9","name":"Gilberto Rodriguez","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a8fea24703e126886d81833dbe7cad1e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a8fea24703e126886d81833dbe7cad1e?s=96&d=mm&r=g","caption":"Gilberto Rodriguez"},"url":"https:\/\/pablobeach.shapiroinsurancegroup.com\/author\/itsupport\/"}]}},"_links":{"self":[{"href":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-json\/wp\/v2\/posts\/923"}],"collection":[{"href":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-json\/wp\/v2\/comments?post=923"}],"version-history":[{"count":0,"href":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-json\/wp\/v2\/posts\/923\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-json\/wp\/v2\/media\/924"}],"wp:attachment":[{"href":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-json\/wp\/v2\/media?parent=923"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-json\/wp\/v2\/categories?post=923"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-json\/wp\/v2\/tags?post=923"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}