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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.
However, you may end up paying a higher premium than someone who has not financed their vehicle. If you make payments on your vehicle, your lender requires you to have comprehensive and collision coverage on top of the state minimum requirements.
A Qualified Health Plan, or QHP, is a health insurance plan that provides coverage for the 10 essential benefits outlined in the 2010 Affordable Care Act. Qualified Health Plans MUST cover these 10 items without any lifetime or annual limits on these “Essential Health Benefits.”
Uninsured and underinsured motorist coverage is used when you are hit by a driver that has insufficient coverage or no coverage at all. This optional coverage helps to compensate you for damages, up to your policy limit.
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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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To determine your premium, your auto insurance company uses a complex algorithm that takes countless factors into consideration. Some of those factors are obviously related to driving, such as how many speeding tickets you’ve had and when you received your last one, the age and type of vehicle you drive, and how many insurance claims you’ve filed in the past.
Short-term health insurance is a special policy designed to provide coverage during times of transition when traditional health insurance coverage may be impractical or unavailable.
An auto insurance deductible is the amount that you pay out of pocket for damages to your vehicle before your auto insurance company covers any accident-related expenses. Different auto insurance companies offer different deductibles, which customers select when they’re signing up for an auto insurance policy.
While auto insurance can be pricey, Nevada Insurance Enrollment can help you find the right balance between great insurance coverage and an affordable auto insurance premium. Understanding the options available to you, what coverage you’re required to carry, and evaluating your exposure to risk are good first steps.
To determine your premium, your auto insurance company uses a complex algorithm that takes countless factors into consideration. Some of those factors are obviously related to driving, such as how many speeding tickets you’ve had and when you received your last one, the age and type of vehicle you drive, and how many insurance claims you’ve filed in the past.
Short-term health insurance is a special policy designed to provide coverage during times of transition when traditional health insurance coverage may be impractical or unavailable.
An auto insurance deductible is the amount that you pay out of pocket for damages to your vehicle before your auto insurance company covers any accident-related expenses. Different auto insurance companies offer different deductibles, which customers select when they’re signing up for an auto insurance policy.
While auto insurance can be pricey, Nevada Insurance Enrollment can help you find the right balance between great insurance coverage and an affordable auto insurance premium. Understanding the options available to you, what coverage you’re required to carry, and evaluating your exposure to risk are good first steps.