CHAPTER 10 The Grand Finale — Closing Time (Cue the Confetti & Paperwork) So, you’ve survived the listings, the tours, the inspections, and that one house that smelled suspiciously like 1993. You found the one —your dream home.
Now it’s time to close the deal.
And while we’d love to say this part is all high-fives and champagne... it’s actually a surprisingly detailed legal and financial tango. Don’t worry—we’ll guide you through every step of the process, with fewer headaches and more “I totally got this” energy. Homeowner’s Insurance: Because Stuff Happens Unless you’re paying cash (hello, lottery winner?), your lender will absolutely require homeowner’s insurance. Think of it as the financial equivalent of bubble wrap: it protects your house, your stuff, and your sanity. You’ll need to show proof that you’ve prepaid a full year’s premium before your closing date. That’s right—no insurance, no keys.
What’s usually covered: • Fire (a classic)
• Theft (raccoons included?) • Wind, hail, and falling things (trees, space junk, etc.) • Frozen pipes and rogue plumbing
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