Jill Finkelstein - Berkshire Hathaway Home Services Town and Country Real Estate



Posted by Jill Finkelstein on 6/4/2017

Homeowners insurance could potentially save you thousands of dollars in repairs and product replacements. If you donít read through your homeowners insurance thoroughly prior to signing the policy, you could also be responsible for paying thousands of dollars to repair your roof, floor, a septic tank and more.

General events that homeowners insurance policies offer protection on

Depending on where your house is located, youíll need different types of insurance coverage.For example, if you live in a high flood risk area, make you that you get flood insurance. The same applies for areas that experience hurricanes and mudslides.

Think twice before you sign a policy with an insurance carrier who wonít offer you the protections that are generally required where you live. As a starting point, following are common protections that a homeowners insurance policy offers:

  • Fire damage
  • Hail
  • Vandalism
  • Theft

Damages that your homeowners insurance may not cover

Depending on your insurer, your homeowners insurance may not cover all natural disasters. For example, homeowners insurance may not cover damage caused by an earthquake. Floods, hurricanes and mud slides are other natural disasters that homeowners insurance may not protect you from.

Other damages that your homeowners insurance may not cover include:

  • Sinkholes
  • Asbestos
  • Chemical warfare
  • Mold (You could get rid of a small amount of mold in your bathroom, kitchen or another room at your house on your own. But,let mold spread into your walls and youíll need to contact a professional to inspect, clean away the mold and treat your home. Donít assume that your insurance carrier will pick up the cost of these repairs. Check to see that mold is covered in your policy before you enter into an agreement with a homeowners insurance provider.)
  • Plane crashes (This is an uncommon event, but it happens. Should a plane land on your house, as destructive and emotionally damaging at the experience may be, your insurance carrier may not pay for repairs that are associated with the plane crash.)
  • Auto accidents (Similar to plane crashes, if someone runs their car into your garage or house, your insurance carrier may not pay to have the property repaired. If your house is located on a road that has seen its share of auto accidents, speak with insurance carriers to see if they will offer you coverage that protects your home against auto accidents.)
  • Damages due to aging (for example, if your roof becomes damaged due to age, your insurance carrier may not pay to replace the roof)

As with any type of insurance, including auto and health insurance, check with your insurance provider to determine what you are actually covered for. Do this before you sign an insurance policy. Generally, the broader the span of coverage, the higher your monthly premiums will be. But, these higher premiums can prove to be well worth it should an unexpected emergency or disaster occur.

Also,compare insurance rates across companies. Keep your eyes open for regulatory changes that could impact your insurance rates. For example, if your homeowners insurance goes up, check to see if a new state law impacted the industry, causing insurance carriers to raise rates in the state that you live in.




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Posted by Jill Finkelstein on 6/2/2017

This Condo in Needham, MA recently sold for $940,000. This Townhouse,Half-Duplex style home was sold by Jill Finkelstein - Berkshire Hathaway Home Services Town and Country Real Estate.


9 Dale Street, Needham, MA 02494

Condo

$939,000
Price
$940,000
Sale Price

8
Rooms
4
Beds
2/1
Full/Half Baths
BRAND NEW FEELING INSIDE! This young meticulously maintained duplex/townhome is similar to a single family home and has incredible upgrades! Features four levels of beautifully finished living space. A foyer with oversized coat closet, powder room, dining room, built in bar/credenza, custom gourmet granite stainless steel glass back splash under cabinet lighting kitchen, spacious family/living room with fireplace and access to a deck with sweeping sunset views on the 1st floor. The 2nd floor offers a grand master suite with custom bath, huge closet space and two more generous bedrooms and bath. The finished 3rd floor bed/office/bonus has loads of storage. The finished lower level is amazing space for many uses with additional storage and walkout to private patio and yard. Amenities include hardwood across 3 levels, wainscoting, beautiful lighting, direct entry garage, 2nd floor laundry, and fantatic storage space. Walk to commuter train, Trader Joe's and library. Must see to believe!

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Tags: Needham   Real Estate   02494   Condo  
Categories: Sold Homes  


Posted by Jill Finkelstein on 5/28/2017

When you have a family, thereís many different needs and personalities at play within your home. Trying to please all of those different ways of life can cause some confusion. There are many ways that you can create an all-in-one space without creating a major construction zone. You need to think in terms of spaces that accommodate large groups of people from entertaining to gathering around the television for a movie or sporting event. Combine Several Rooms Into One When rooms arenít connected, sometimes bringing the rooms together can bring more flow into the home. Consider knocking down walls or bringing aspects of one room into another room, like a countertop or island through parts of kitchen and living spaces. Get creative! In some spaces, simply knocking down just one wall can make the entire floor of the home feel bigger. Make The Use Of The Square Footage You Have One wall can cause you to miss out on the full use of the space your home provides. Clearing away walls between rooms not only allows your home to feel more open and airy, but it gives you as a homeowner more use of your space. You donít always need to add on to your home in order to make the home feel bigger. Tuck Things Away Keeping stools under countertops, for example, is a great way to have a multi-use and multipurpose area. A television will be perfect in a cabinet. The cabinet can be used for both storage and TV viewing. Make sure you position it in a place where the TV can be seen from all corners of the room. This way everyone will have a space for their DVDs and thereís not a bad seat in the room to watch TV from. Use Furniture As Room Dividers Your furniture can multi-task by serving as a room divider. If you need to have a study in your living room, use a bookshelf to separate the area. Itís easy to do and will keep the flow of a room without disturbing your established setup. Use Rugs For Unity Nothing unifies a room quite like an area rug. Everything on or near the rug signifies a space. If you need to separate areas within the room, try an area rug for one purpose and hardwood, bare floor for the other use. Rugs are always cozy in reading rooms, for example. Hardwood floors may work better for a computer desk and rolling office chair. The position of everything in a room helps to identify what that part of the room will be used for. Marry The Rooms That Are Used Together If your family tends to hang out and use the kitchen and living room the most, make sure they have open space between them. You should consider adding a study for the students of the house in either room to make it easier to call everyone for dinner and provide homework help. As a bonus, itís a great idea that you can keep an eye on the kidsí computer activity while youíre cooking! Most of all, no matter what room youíre working with, you want to make sure thereís a space for everything and everyone. Thatís how you please an entire family with home design!





Posted by Jill Finkelstein on 5/21/2017

Searching for a new house that will meet your needs without breaking your budget can sometimes feel overwhelming! There are dozens of factors to consider and countless details to handle at any point in time.

Fortunately, there are strategies for getting it all done, maintaining your sanity, and being satisfied with the final outcome.

If you feel like you're getting off track (or can't even find the train station), here are a few tips for getting organized:

Create a priority list. If you haven't clarified and discussed with your spouse what you want and what's important to both of you, then there's a good chance you won't get it. You do not have to go it alone, though! A top-notch real estate agent can help you create a working list of priorities and preferences that you can use as a measuring stick when evaluating homes for sale. Better still, once you develop this list with your agent, he or she will have the information they need to efficiently locate properties that conform to your wish list and requirements. Your priority list will be based on a lot of criteria, including your desired lifestyle, the size of your family, and proximity to good schools, recreation, and shopping centers. If may also be important to you to live within a short drive to work, childcare facilities, or houses of worship. One of the best ways to organize your wants and needs is to get a copy of a homebuyers' "wish list" from your Realtor or the U.S. Department of Housing and Urban Development (HUD). Key factors to consider when developing your list may include items like architectural style, the amount of remodeling you're prepared to do, and the size of the yard. Privacy, space between neighboring houses, and distance from busy highways are also important factors to weigh.

Choose the right real estate agent: The ideal way to find a real estate agent you'll be pleased with is to get recommendations from family, friends, and trusted business associates. If someone you know well has had a favorable experience with a specific real estate agent, chances are good that your experience would be similar. Since most real estate agents value referrals, a smart agent will strive to make a positive impression on both you and the person who referred you. It's often advisable to talk with more than one real estate agent before making your final decision, though. That way you'll be in a position to compare qualities like experience, knowledge, personality, rapport, and energy level. It's vitally important that you feel comfortable with the agent you decide to work with, and that they're responsive to your questions, concerns, and requirements.

While a "wish list" and a "must have" list are essential components of a successful real estate search, the process unfolds much more smoothly when you remain open minded, flexible, and realistic.





Posted by Jill Finkelstein on 5/20/2017

WONDERFUL MINT COLONIAL IN A POPULAR FAMILY NEIGHBORHOOD! This 4 bedroom, 2 1/2 bath home has it all from natural gas heat to a laundry chute! The first floor features a lovely fireplaced living room with light hardwood floors adjoining the dining room, making it perfect for hosting family gatherings! The stunning custom kitchen shows like new with a large eat-in area, new double wall ovens, SubZero and gas cooking, leading to a large family room on one side and a beautiful three season porch on the other! There is easy access to the direct entry 2 car garage. The second floor offers 4 nice bedrooms with excellent closet space as well as two full baths. There is a finished basement and amazing storage space. Amenities include central air, alarm, radiant heat floor in the master bath, first floor laundry, underground sprinklers with two water meters, gas barbeque and gas dryer hookups. A superb walk to town and train location in the very desirable Hillside School district.

More Info on this Property | New Listing Alerts




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