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1. Raise your deductible. If you can afford to pay more toward a loss that occurs, your premiums will be lower.

2. Buy your Las Vegas homeowners and auto policies from the same company. You’ll usually qualify for a discount. But make sure that the savings really yields the lowest price.

3. Make your Las Vegas home less susceptible to damage. Keep roofs and drains in good repair. Retrofit your house to protect against natural disasters common to your area.

4. Keep your Las Vegas home safer. Install smoke detectors, burglar alarms, and dead-bolt locks. All of these will usually qualify for a discount.

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The Las Vegas lender must disclose a good faith estimate of all settlement costs in a Las Vegas real estate transaction. A check to cover your closing costs will probably have to be a cashier’s check. The Las Vegas title company or other entity conducting the closing will tell you the required amount for: (more…)

Home Insurance Clue Report

Do you know how to investigate a Las Vegas home’s insurance claim records?  This can be done easily by a CLUE report.  CLUE, Comprehensive Loss Underwriting Exchange, is a national database with more than 40 million personal property claims.  This home insurance clue report is equivalent to a credit report for a Las Vegas home, which shows all claims reported to the insurance company for Las Vegas real estate over a five-year time frame, including mold, fires, and water damage.  Your insurance report will show the type of loss, date of loss, and amounts paid to a Las Vegas real estate homeowner.

The insurance scoring system and the CLUE report are tools insurers use to decide your risk profile.  This system tells the insured how likely are you to file a claim against your policy. Insurers send information about paid claims on your home, maybe even your inquiries about coverage that do not result in a claim, into a national database for use by insurers. Information included in the database, along with your insurance score, makes up your risk profile. Insurers use the profile to decide whether you get new insurance. At renewal time, your current insurer of your Las Vegas real estate will probably review your claims history as well as your current insurance score to set your premiums, even deciding if you should still be insured.  When you shop for new insurance, the Las Vegas insurance company may order a CLUE report. If information is inaccurate, you can be left without insurance while you fix the errors.

• Under the Fair and Accurate Credit Transactions Act of 2003, property owners can order one free report every year.

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Sun City Anthem, one of Del Webb retirement communities, is having a spectacular sale on their Las Vegas real estate.  Here are the current incentives with a limited availability.  If you close within 90 days for your Sun City home there will be up to a 10% discount.  If you close within 120 days there will be up to a 9% discount for your home.  If you close within 150 days there will be up to a 8% discount for your home.  If you decide to custom build you Del Webb home then there will be up to a 6% discount.  

*Percentage given on total cost of the home at time of contract: may not include COs.

FLY TO LAS VEGAS AND BUY REAL ESTATE: Purchasers that visit from outside Clark County,Las Vegas, and sign a home contract during their visit, will receive a $2,500 credit off the cost of the Las Vegas home.

Sun City Las Vegas Real Estate Retirement Communities LOYALTY PROGRAM: Additional $5,000 incentive for buyers who have previously purchased a home directly from Pulte/Del Webb Las Vegas.

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