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A SPECIAL PUBLICATION CREATED BY REPUBLIC MEDIA CUSTOM PUBLISHING

WHAT’S INSIDE

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In-fill communities

Considering downsizing?

Homeowners insurance

Common roots Pools and Cotton and tires, new homes

Benefits of established neighborhoods

Advice for Baby Boomers

Info from Arizona Department of Insurance

the ties that bind Goodyear and Chandler

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Advice from the experts

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Developments Private of the Month mortgage Some of the Valley’s insurance

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Going ‘green’ New home, Financial benefits new school becoming clearer

hottest developments Choices and options

Builder Buzz

Del Webb; Rosewood Homes

Parents need to do their homework

FRIDAY, APRIL 5, 2013 Lk

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Discover where new homes are being built

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Rd irage ira Rd Mira M E Mirage

New Homes is a monthly section dedicated to new home communities

Carefree Care Car r e ffre frre reee C a re

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Understanding title insurance Title insurance entitles buyer to property BY DOLORES TROPIANO “It [title insurance] is the least understood and most important protection out there,” said John Lotardo, senior vice president and general counsel for Stewart Title and Trust of Phoenix. “Without it, you can lose your home and not have any way to be reimbursed for the loss.” Lotardo experienced several sketchy home sales in recent months including one in which someone impersonated a seller, forging their name and identity as part of a sales transaction. “He [the alleged fraudulent seller] absconded with the money from the buyer and the [supposed] new owner of the home found out later when the legitimate homeowner showed up,” Lotardo explained. “This is something title insurance helps protect against.”

“It [title insurance] is like any insurance. You don’t need it — till you need it.”—Christinna Flynn, Equity Title Agency

This Paradise Valley home features a sophisticated automation system that controls numerous activities. However, new-home buyers don’t have to own an estate to enjoy the benefits of smart-home technology.

SANDRA BALDWIN, RUSS LYON SOTHEBY’S INTERNATIONAL REALTY

Smart homes

High tech, high touch systems make home management fingertip-easy BY DEBRA GELBART

What title insurance is

Before issuing title insurance, title companies go through a researchintensive public record review of the property being purchased. As a result, title insurance is a policy that insures that the seller of a house actually owns the property. It also insures that there are no liens on the property or problems with the title such as undisclosed heirs, unpaid bills (including taxes) or even unpaid construction invoices. “It [title insurance] is the only product in the United States that guarantees the title of a home since titles are not issued through the government,” said Christinna Flynn, branch manager and senior escrow officer for Equity Title Agency in Scottsdale.

What title insurance is not

Title insurance is not like other insurance types that are purchased for losses that might occur in the future. “It is a chain of title in records that go from the beginning of the property’s records to the day of search,” Flynn said. But it is like other insurances in many ways. “It’s important to have because buying a house is the largest purchase most people will make in a lifetime,” Flynn said. “It’s like any insurance. You don’t need it — till you need it.” Resources Arizona Department of Insurance: www.id.state. az.us/publications/MessageAboutTitleInsurance.pdf Equity Title Agency: eta-az.com Stewart Title Arizona: stewartaz.com

If you have a new-homerelated topic you’d like us to research, please write to editor: Paula Hubbs Cohen, Paula.Cohen@cox.net.

H

ome automation has morphed into much more than controlling the functions in your home from a central touchpad. Today’s true “smart home” has an electronic brain with the ability to coordinate almost everything you can adjust in your home manually.

Levels of sophistication

Home automation is available in three levels of sophistication, said Jim Brunen, principal of SmartHome Solutions, Inc. in Scottsdale. The simplest level, he said, is control of a home’s functions, “using a touchpad as a glorified remote control.” The next level up is integration, allowing various functions “to work together under a uniform set of interfaces.” The highest level of home automation, he said, is “when the home actually makes decisions” based on information input and what sensors detect, whether it’s occupancy of the home or the lighting, temperature or position of the window shades. “An example is programming an extended awning on the patio to roll up automatically

USED WITH PERMISSION OF CRESTRON

“Once you have a smartphone interface, you can close your garage door, for example, while you’re at home or while you’re on a beach in the south of France.” —Jim Brunen, SmartHome Solutions when it’s rainy or windy,” he said. Or, in the summer, you can program your pool pump to turn on every hour for just 10 minutes when the water reaches a certain temperature to filter the water in the pool. “This can result in substantial energy savings,” he said, “because you may be able to run the pump for a total of 10 hours

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a day instead of 14 hours, simply by making an adjustment like that.”

Scalable and upgradable

Today’s home automation systems are scalable and upgradable, according to both Brunen and Maggie George, president of Scottsdale-based iWired, Inc. George said her company’s “go-to” product can

be easily upgraded to include more functions when the homeowner chooses to expand the automation. Brunen advises homeowners to consider the longterm when thinking about automation. That’s because it costs more in the long-run, Brunen said, to put in automation (SMART HOMES, continued on page NH8)

Building stronger communities for your family to enjoy. Check out our 20 Phoenix-area communities at MakeThisYourPhxMoment.com

FAMILY Taylor Morrison/Arizona, Inc., AZ ROC # 179178B . © February, 2013, TM Homes of Arizona, Inc., AZ DRE # CO535669000. All rights reserved. AR-0007938170-03

New Homes AZ - April 2013  

New Homes is a monthlysection dedicated to newhome communities

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