Parkland Homes_5_28_2021

Parkland

e I’ll do th you! r o f running

1136B N Desloge Dr. Desloge CELL OFFICE

N ew L istiNg

21033138

10143 Afton Rd • $239,900 Beautiful 5 year old modern farmhouse sitting on approximately 4 acres. This 1.5 story 3 bed, 2.5 bath home has 1578 square feet of living space. A large main floor master bedroom with adjoining bath includes a separate shower and jetted tub makes calling it a night or rising and shining so easy. The main floor has an open floor plan with magnificent vaulted ceiling and a 16’ tall entry foyer. The spacious living room, kitchen and adjoining dining room have beautiful bamboo floors. Enjoy spending time on the back deck enjoying beautiful skies along with the stars and the moon! The upper level has 2 additional bedrooms and bath. The basement is waiting for you to finish according to your plans. Lots of space to enjoy country living, plant a garden or have your own eggs is all at your disposal. The attached two car garage, small pole barn and a pen for chicken makes this home extra special! Don’t wait call today!

welcome home Find your dream home inside or online at

Don’t forget to check out our website at www.vickycrocker.com.

Let us do the running for you!!! www.facebook.com/vickycrockerrealty #vickycrockerrealty

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Daily Journal Weekly Real Estate Friday, May 28, 2021  PAGE R4

Terre Du Lac Lake Capri Lakefront Property For Sale

(573) 212-4354

Situated between 1800 N Capri and 1786 N Capri.

Most desirable and buildable lot on the point at Lake Capri. Lot size .429.

Contact 757-817-6817

CELL OFFICE

e I’ll do th you! for running

1136B N Desloge Dr. - Desloge

new!

21033138

Farmington / $209,900

This spectacular home built in 1882 has stood strong and weathered many storms while being a safe haven to many families!

If you love old world charm this 2 story, 3 bed, 2 bath home with approximately 1961 square feet of living space will welcome you with it’s character, from the beautiful foyer, large living and dining room with bay window and gorgeous hard wood floors!

20073179

Bonne Terre / $120,000

Welcome Home! This charming 3 bedroom, 1.5 bath on a corner lot is ready for you to make lasting memories. Entering the home you will be greeted by the spacious living room with hardwood floors. Continue through the main level and you will find a half bath, kitchen/dinning area, and a convenient laundry room that provides access to the back covered porch.

21023803

De Soto / $325,000

Don’t miss out on this unique business opportunity! 8+ acres of the property is used as commercial for Bradley Salvage Yard.

The business includes the current salvage on the property as well as a fairly new fully stocked garage. The sale will include the salvage license to be transferred to the new owner.

20077976 Park Hills / $250,000

Bismarck / $239,900

Beautiful 5 year old modern farmhouse sitting on approximately 4 acres. This 1.5 story 3 bed, 2.5 bath home has 1578 square feet of living space. A large main floor master bedroom with adjoining bath includes a separate shower and jetted tub makes calling it a night or rising and shining so easy.

21027798

Bismarck / $124,900

Well maintained home with 3 bed 2 bath and a large detached garage with fenced in yard. This property has plenty of space to entertain inside and out! Lake access is also included. Home is just minutes away from historic Arcadia Valley and popular sites such as Elephant Rocks, Johnson’s Shut-Ins State Park, and many more nature trails and lakes.

21012343 French Village / $75,000

Check out this great getaway! This corner lot is the perfect place to relax and spend time, complete with a camper, tiny home, and 30 x 21 garage. Camper is covered and surrounded by a wood deck, and also has electric hook up and recently dug well. The 12x12 tiny home is insulated, has electric and all furniture stays.

20040616

20064929

Great commercial property in prime location. Approximately 2800 square foot building on a 75 x 150 lot. The building provides 12’ ceilings, 2 bathrooms ( 1 handicap accessible), office area, washer and dryer hook ups, drinking fountain, new air conditioning units. When the building was purchased it had a 400 amp single phase ser service.

Desloge / $25,900

Fixer Uppers are hard to find in this market!! Here is your chance to seize the opportunity and purchase this 1,175 square foot home in North County School District. Don’t wait, Call Today!!

Farmington / $890,000

LOCATION, LOCATION, LOCATION! Commercial property with 17.63 acres and access to public water and sewer. The property currently has a residence and out building. Endless opportunities to take advantage of the high traffic on Highway 67.

Vick icky Crocker Realty ask that you join us as we take a moment D momen to remember and honor our heroes this Memorial ial Day. www.facebook.com/vickycrockerrealty

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Daily Journal Weekly Real Estate

573.747.8099 573.327.8300

Daily Journal Weekly Real Estate FRIDAY, MAY 28, 2021  PAGE R6

PERSONAL FINANCE

Homeowners insurance FAQs Ask these 4 questions before you select a policy SARAH SCHLICHTER | NerdWallet

P

urchasing insurance may not be as fun as choosing new furniture and paint colors, but it’s a critical part of the homebuying process. Your homeowners insurance policy is a financial safety net in case of a disaster, so you’ll want to ask a few important questions to make sure you have the coverage you need at a price you can afford.

What’s the dwelling coverage per square foot?

Imagine that a fire burned your house Policyholders, a nonprofit that advocates to the ground and your policy didn’t pay for insurance consumers. You can also out enough to rebuild it. That could hap- ask a local builder who specializes in new pen if your dwelling coverage — the part construction to estimate your home’s of your policy that covers the structure of rebuilding cost per square foot. Once you’ve chosen an appropriate dwelling your home — is too low.

To prevent this, don’t simply accept the limit, consider adding extended replaceinitial dwelling coverage amount an insur- ment cost coverage to your policy. With ance company recommends. “Insurance this coverage, your insurer will pay 10% companies use replacement cost calcu- to 50% more than your dwelling coverage lators, but they’re not 100% accurate by amount to help you rebuild. This could any means,” says Ryan Andrew, president save you thousands of dollars if building of The Andrew Agency, an independent prices spike for unforeseen reasons such insurance agency serving Virginia, Mar- as a lumber shortage or high demand after yland and Washington, D.C. a disaster.

For a more accurate estimate, ask your A typically pricier option, guaranteed insurer to send someone to your house replacement cost coverage, will pay to for a replacement evaluation, suggests rebuild your home regardless of expense.

Amy Bach, executive director of United Do I have multiple deductibles?

Homeowners may not realize that on some policies, higher deductibles may apply for claims due to wind, hail, named storms or other disasters.

For example, say a hurricane causes wind damage to your roof. Your insurance policy might have a wind deductible worth 5% of your dwelling coverage rather than the $1,000 deductible that applies to most other claims, Andrew says. So if your house were covered for $250,000, you’d have to pay for the first $12,500 of damage before your insurer paid anything.

ASSOCIATED PRESS

What isn’t covered?

You might be unpleasantly surprised by your policy’s exclusions. “Flood insurance, which is excluded on almost all homeowners policies, is definitely a big one,” Andrew says, adding that this is especially important for homeowners with finished basements.

Even houses that aren’t near a body of water could experience flooding during heavy downpours, Andrew says, and a standard homeowners policy is unlikely to cover the damage.

You can buy flood insurance through companies that participate in the National Flood Insurance Program. The program’s average flood claim payout was $52,000 in 2019.

Andrew also suggests adding water backup coverage to your policy. This pays for damage due to water backing up into your house from sewer lines, sump pumps or other water lines.

Another common coverage gap involves keeping up with current building laws. “If you have to make improvements when you’re repairing or replacing (your home) because the codes have changed since your house was built, a typical policy will exclude that,” Bach says.

Though this can be particularly expensive for older homes, “even a house that was built five years ago is out of code,” Andrew says. Both Bach and Andrew recommend adding ordinance or law coverage to your policy to handle these expenses.

AVERAGE COST Homeowners insurance cost an average of $1,211 a year in 2017, according to the latest data from the National Association Of Insurance Commissioners. But prices can skew much higher or lower. Average rates ranged from $690 a year in Oregon to $1,943 in Florida.

How can I save?

While having the right coverage is generally more important than paying the bare minimum, there are discounts to make your policy more affordable.

Andrew suggests buying your car, homeowners and other insurance through the same company to take advantage of bundling discounts, which can save you 20% or more.

“The best way to bring down the price without sacrificing coverage is to raise your deductible,” Bach says. Being willing to pay for smaller repairs yourself rather than filing claims will help keep your premiums low.

If you’re confused about coverage and discounts, reach out to an insurance agent to talk through your options. “Take a little extra time to understand what it is that you’re purchasing,” Andrew says. “For most people a house is the most expensive asset they have.”

Daily Journal Weekly Real Estate

PERSONAL FINANCE | ADVICE

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Full coverage

PAGE R7  Friday, May 28, 2021

When to consider an umbrella insurance policy

DREAMSTIME

NEAL TEMPLIN | Rate.com

SITUATIONS WHERE AN UMBRELLA POLICY CAN SAVE MONEY

or homeowners and drivers, umbrella coverage kicks in when limits are exceeded on normal insurance. You cause a crash on the freeway and a dozen other drivers or passengers are injured in the pile-up.

Your teenager hosts a party at your house, and a guest gets drunk and gets hurts.

You make an offhand remark about a neighbor at a party and are accused of slander.

These situations have one thing in common: You can be sued for amounts beyond the coverage limits of your car or home insurance, or for actions like slander that aren’t typically covered by ordinary insurance.

The solution is an umbrella policy, a relatively cheap policy that kicks in when your normal coverage is inadequate. Umbrella policies don’t cost a lot because they don’t pay out unless coverage limits are exceeded for your regular insurance. It costs around $150 to $300 a year for a $1 million umbrella policy. You can buy additional coverage on top of that in million-dollar increments at even cheaper rates.

One thing to remember: Insurers generally won’t sell you an umbrella policy unless you already have sufficient liability coverage on your primary insurance, usually $250,000 on your automobile policy and $300,000 on your homeowner’s policy. If you don’t carry that much insurance currently, buying it will be an additional cost on top of the umbrella policy itself.

One way to offset the added expense: Raise the deductibles on your home and auto insurance. This makes sense. The purpose of insurance is to protect you from events that will crush you, not to save you a few hundred dollars through a lower deductible if you get in a fender bender.

Every time we buy a refrigerator or iPhone or even a set of tires, we are pressured to buy an extended warranty, which is effectively an insurance policy. But ask yourself: If your phone breaks or your refrigerator goes on the fritz or you blow out your tires, will your financial security be imperiled? Probably not.

In the right situation, an umbrella policy can save you from financial ruin. Here are eight situations where one protects you:

F

You have substantial assets If you lose a lawsuit, creditors can go after a variety of assets, from your home to your business to your retirement savings. Yes, 401(k)s are protected from all creditors. And IRAs are protected in bankruptcies but not from other creditors. And some states provide additional legal shields for retirement savings accounts.

2 You volunteer Someone you serve through a charity or religious organization can come after you personally for negligence or inappropriate behavior. The Federal Volunteer Protection Act doesn’t apply in many circumstances. own a house 3 You Suppose a guest is injured at your house in a trampoline accident. Someone slips and falls on your walkway. Your tree falls on a neighbor.

In every case, you’re responsible.

1

4

You have a teenager driver If your child makes a mistake, you’re on the hook. are a landlord 5 You You can be sued by your tenants, their guests, or even people walking down the street who are injured on your property. The umbrella policy covers you if the claim exceeds the limits on your normal homeowners policy.

You have a pool or a boat Water accidents tend to be bad ones that spur costly lawsuits.

7 You carpool or shuttle other people’s children If you transport other people and something happens, you’re responsible.

8 You own a dangerous pet That goes for exotic animals as well as dogs. You are sued for pain and suffering. If you’re deemed at fault in a variety of circumstances, you could face awards for pain and suffering, one of the costliest liability expenses.

Awards can run into the hundreds of thousands of dollars.

6

Daily Journal Weekly Real Estate Friday, May 28, 2021  PAGE R8

783-8455 • 756-2110

18 Court Square - Fredericktown

RAY STATLER 573-783-9921

CARLA SMALLEN 573-561-4175

Sold

1830 Hwy 72 East • FREDERICKtOwN #21021797 • $135,540

IVAN STATLER 573-783-1316

TARA HALE 573-783-1848

EMILY BOUSHIE LIz WELCH 573-944-4178 573-440-4258

Sold

110 NORtH wOOD • FREDERICKtOwN #21025301 • $185,000

Looking for a place to build that new home? How about a Mini-Farm?

Location? Just out of town fronts on Hwy 72 East Mostly pasture, year round creek, this tract of land has it all! Deer & turkey. Mild restrictions.

Owner will subdivide but its great for the right owner all together.

Call for your private viewing today.

Newly remolded 4 Bedroom 1.5 bath ranch style home. New kitchen area new flooring and roof fenced in back yard with patio area for those quiet summer evenings.

New Listing

We Need Listings!

1 HIgHway J • FREDERICKtOwN #21033812 • $22,000

Need a place to build you a Cabin to just get away from it all? This is it 3.80 Ac all wooded has a very small pond on the property arox 287.5 Ft of road frontage. Access to Castor river nearby Call office today to view this great property for your very own private recreational property.

yours here next week