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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.
If you rely on employer-based health insurance and you lose your job, you may wonder what happens if you need medical care before you are able to get new coverage. Fortunately, there is COBRA, a law passed in 1986 gives many workers and their families the right to retain their health insurance even if they quit or lose their jobs.
If you enjoy off-roading, it is important to ensure that your auto insurance provides the right type of coverage. Understanding your policy can help you make informed decisions and save money in the event of an off-road accident.
Boat insurance provides coverage for various types of damage that you may otherwise be financially responsible for. Property coverage pays for damage to the boat due to incidents such as accidents, sinking, theft, vandalism or weather damage.
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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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An employer-subsidized plan is a sensible option for employees. Not only does the employer pay at least 50% of the employee’s premium, but the remaining premium is tax-free and taken directly from the employee’s pay.
If the amount of money the auto insurance company is willing to pay out does not adequately cover damages, then escalating the situation and starting a car accident lawsuit may be your only option.
Beginning in 2020, some employers will have the option of reimbursing employees’ health insurance premiums by using an ICHRA as an alternative to providing a group health insurance plan.
Anthem Blue Cross and Blue Shield offered health insurance plans in Nevada years ago, but they discontinued their ACA-compliant (Obamacare) individual plans for a few years. In 2020, Anthem is offering health insurance plans statewide, giving Nevadans in all counties health insurance options we did not have in 2019.
An employer-subsidized plan is a sensible option for employees. Not only does the employer pay at least 50% of the employee’s premium, but the remaining premium is tax-free and taken directly from the employee’s pay.
If the amount of money the auto insurance company is willing to pay out does not adequately cover damages, then escalating the situation and starting a car accident lawsuit may be your only option.
Beginning in 2020, some employers will have the option of reimbursing employees’ health insurance premiums by using an ICHRA as an alternative to providing a group health insurance plan.
Anthem Blue Cross and Blue Shield offered health insurance plans in Nevada years ago, but they discontinued their ACA-compliant (Obamacare) individual plans for a few years. In 2020, Anthem is offering health insurance plans statewide, giving Nevadans in all counties health insurance options we did not have in 2019.