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Congratulations! You just closed on your house and received the keys to your new home. You can finally relax and breathe a big sigh of relief. Well… not yet.
Closing on your home can feel like the end of a long journey, and while it is definitely a reason to celebrate, the work is not quite done. There are a few jobs to tackle before getting fully settled. While you’re understandably excited about moving into your new home, the first few days (or weeks) of moving can be stressful and overwhelming. There’s a lot to do and some tasks can easily fall through the cracks. Here’s a post-closing checklist of what to do after you move.
The closing paperwork, including the promissory note, closing disclosure, the deed, the mortgage and the home inspection report, should be stored together in a safe, dry place such as a safe deposit box or a fireproof safe.
Even if the seller has recently changed the locks, you have no way of knowing who has keys to your new home. Prior to moving in or shortly after, change the locks to ensure your household’s safety.
When you move to a new address, a seemingly endless list of parties need to be notified, including your bank, the IRS, utility companies, the post office, insurance companies, subscription services and TV and internet providers. You may also have personal contacts that need your updated information.
Once you know your closing date, contact utility companies in advance to set up services. This way, you’ll have electricity, gas, and water on move-in day. For other services like cable, Internet, and security, you might arrange set up after closing. It can take a few days for utility companies to fit you into their schedule, so the earlier you request services the better.
When you move to a new address, a seemingly endless list of parties need to be notified, including your bank, the IRS, utility companies, the post office, insurance companies, subscription services and TV and internet providers. You may also have personal contacts that need your updated information.
Submit a mail forwarding to the Post Office. This will catch any friends, family, or other contacts that you forgot to notify.
Adequate auto insurance coverage is important. Not only are all Nevada licensed drivers required by law to carry coverage, but in the event of a collision, your policy is what is standing between you and financial devastation. The term “full coverage” is one that often gets tossed around by drivers, but it’s probably not a term you’ll hear from your insurance agent.
Towing and roadside assistance is an auto insurance policy add-on that provides coverage if you get stranded or your car breaks down. This auto insurance coverage helps you handle costs like locksmith services, towing, battery service, gas delivery, and more.
New rules to the American Rescue Plan Act, stating that employees that are offered “affordable” health insurance by their employer, may now qualify for a subsidy!
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In Nevada, you have 30 days after you move to update your driver’s license with your new address. Those days will pass quickly, so it is a good idea to visit your local DMV as soon as possible.
Ideally, batteries in smoke and carbon monoxide detectors should be changed out at least once per year to ensure they are functional when necessary. As a new homeowner, you have no way of knowing when the batteries were last changed out. Replacing the batteries right away is a quick, affordable way to get peace of mind.
Maybe the previous homeowners were diligent with having annual furnace and air conditioner tune-ups and kept records of dates and services rendered. If that is not the case, however, you may want to give a local HVAC company a call and have a technician sent out to ensure the equipment is in good working order.
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Most of the time, homes are sold in as-is condition. If your home inspection turned up issues that could pose potential hazards, you will not want to wait long before contacting the appropriate professionals or tackling the items yourself.
Before you completely unpack your belongings, you may want to take the time to disinfect surfaces. If you intend to paint, doing this before furniture and artwork are in place is a time-saver.
Ensuring that you have adequate homeowners insurance is important for protecting your new home. At Nevada Insurance Enrollment, our insurance agents can help you prepare for your closing date by finding the policy that fits your needs and budget.
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No one wants to be victims of property damage resulting from rioting, and fortunately, auto insurance companies already have provisions for this risk in their coverage options. In fact, there is no need to purchase separate riot, vandalism and civil commotion coverage; if you have comprehensive auto insurance, you most likely have this coverage.
According to Live Science, after being parked in the sun on a 95-degree day for an hour, the inside of a car hits an average of 116 degrees. The dashboard gets even hotter at 157 degrees, the surface of the steering wheel reaches an average of 127 degrees and the seats are a searing 123 degrees on average.
n Nevada, auto insurance companies notify the Department of Motor Vehicles when you drop your auto insurance policy. If you have a lapse in your auto insurance coverage, even 1 day, it will be noted on your driving record. When this happens, you may be faced with a $250 dollar fine that will go up over time, and you can have your license suspended until you have auto insurance coverage again.
Car accidents can be expensive, and your auto insurance policy is your best protection against financial devastation if the unexpected happens. While state-minimum coverage is definitely better than no coverage at all, a high percentage of scenarios shows it’s not enough for most drivers.
No one wants to be victims of property damage resulting from rioting, and fortunately, auto insurance companies already have provisions for this risk in their coverage options. In fact, there is no need to purchase separate riot, vandalism and civil commotion coverage; if you have comprehensive auto insurance, you most likely have this coverage.
According to Live Science, after being parked in the sun on a 95-degree day for an hour, the inside of a car hits an average of 116 degrees. The dashboard gets even hotter at 157 degrees, the surface of the steering wheel reaches an average of 127 degrees and the seats are a searing 123 degrees on average.
n Nevada, auto insurance companies notify the Department of Motor Vehicles when you drop your auto insurance policy. If you have a lapse in your auto insurance coverage, even 1 day, it will be noted on your driving record. When this happens, you may be faced with a $250 dollar fine that will go up over time, and you can have your license suspended until you have auto insurance coverage again.
Car accidents can be expensive, and your auto insurance policy is your best protection against financial devastation if the unexpected happens. While state-minimum coverage is definitely better than no coverage at all, a high percentage of scenarios shows it’s not enough for most drivers.