It can be daunting when establishing one’s home away from the typical services associated with city life. You become viewed as a greater risk to insurance companies as well as other entities such as rural fire departments and police protective services. And in reality you probably are a greater risk. However that is why it’s most important to be sure you are well informed of the environment you are now becoming cohesive with and do your homework before you make the move. One example is homeowners insurance. Can you afford the risk of losing it all? Do you need the reassurance that if things go terribly wrong that you can afford to pick up and do it all again without the aid of insurance? You must consider that a home that does not carry home owners insurance also may be turned down in the future by insurers due that fact alone, should you decide in the future to add the insurance. Another issue is when you decide to sell your home and the banks won’t loan on a home that cannot be insured due to lack of past insurance history. So be sure that you are in the know about how insurance and lack of insurance can affect the value and other aspects of your home.
Insurance for off-the-grid – Here is an article about considerations and complications of insuring a home that is off the grid.
Give me a call or email/text to schedule an informal conversation about what a good buyer agent can do for you. Let’s put you in the best position from the beginning to bring you to a successful purchase in the end! Wishing you the best in 2017.
According to our local MLS market statistics for In- town Helena, Helena Valley, East Helena and Clancy the average sale price of homes was $248,709 for the month of November, 2016. Personally I’ve seen a significant surge in competitiveness for buyers, especially in the $200,000 and below range. As a buyer agent it is imperative that clients are aware of the market we have here in Helena and understand the need to be in the best form possible… long before shopping for homes. If you need info on how to prepare for the market challenges we have on a local level feel free to stop by for a free consultation. You will be a much wiser shopper when you get out there and see for yourself the challenges and obstacles you can easily avoid!
If the deer don’t eat them, we’ll be enjoying full color in the flowerbeds this year!
Please take a moment to visit this young man’s Go Fund Me site and leave a little something to boost his endeavor. Merle is an asset to the community and his family has poured their hearts and souls into the betterment of the Wolf Creek and Craig areas. He will put your contributions to good use! Follow link to Go Fund Me to learn about Merle’s project: Merle Infanger BPA Nationals Trip
One of the perks of living in Helena is our wildlife population feels right at home amongst the landscape of our properties. Some view it as intrusive as these little nibblers tend to mow down a few prize posies. We nurture our gardens to bloom and then find them topless after a mid-day snack by the local deer or bunnies. But with tolerance and appreciation of others, we soon realize how special it is to boast a few 3D lawn ornaments such as these. The fawns were enjoying the cool spray of the sprinkler on a 90 degree afternoon.
Wild Side of Helena
Keeping in touch with friends in Washington state, scenery from their land near Monroe; photos taken and shared by Tammy Robertson.
Hummingbird - photo credit to Tammy Robertson, Monroe, WA
What a great find out at Spring Meadow Lake, a pile of mushrooms that seemed to have no intent to stop piling up on each other. It certainly makes one look twice! Can anyone identify the variety of these mushrooms? My first thought was “cow pie shroom” but not likely true.