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Pierce County Property Profile
Parcel #: 3770000120
Owner: Kleeberger, Terry
Co-owner: Kleeberger, Kathleen M
Site: 2212Alder St NE
Tacoma WA98422 - 1003
Mail: 2212Alder St NE
Tacoma WA98422 - 1003
Land Use: 1101 - SINGLE FAMILYDWELLING
Twn/Rng/Sec: T: 21N R: 03E S: 10 Q: SW QQ: SW
Zoning: County-SF - Single Family Census: 1002 - 940001
Map Grid: 744-A4
Legal: Section 10Township 21 Range 03 Quarter 33
TOG/W 1/2 BIRCH STVAC 2252914
ASSESSMENT INFORMATION PROPERTYCHARACTERISTICS
MarketTotal: $2,045,600.00
Market Land: $800,300.00
Market Impr: $1,245,300 00
TaxAcct #: 3770000120
Taxes: $24,113 26
Levy Code: 255
Levy Rate: 11 7112
Taxable Value: $2,045,600.00
SALE & LOAN INFORMATION
Sale Date: 07/18/2014
SaleAmount: $1,500,000 00
Document #: 201407180801
DeedType: Deed
LoanAmount:
Lender:
LoanType:
InterestType:
Title Co: STEWARTTITLE
Year Built: 2006
EffYear Built: Beds/Baths 4 / 4
TotalArea: 5,291 SqFt
Bsmt Fin/Unfin: 2,172 SqFt / Lot Size: 0 40Acres (17,625 SqFt)
AC:
Roof: Formed Seam Metal Garage: Detached Garage 1,272 SqFt
Heat Source: Heat Pump Fireplace: 1
Bldg Condition: Average # of Stories: 1
BuildingType: 1 - 1 Story
Building Use: 100 Single Family Residential
% Complete: 100 00%
Lot Dimensions: Frontage: Depth:
Plat/Subdiv: Fairview ParkTracts
Plat Number:
Plat Book/Page: 8-120 / 8 - 120
Neighborhood: 042704
School Dist: Tacoma Public
Primary School: Browns Point Elementary School
Middle School: Meeker Middle School
High School: Stadium High School View: V-Good
Waterfront: Total Units: 1
Sentry Dynamics, Inc and its customers make no representations, warranties or conditions, express or implied, as to the accuracy or completeness of information contained in this report
This map/plat is being furnished as an aid in locating the herein described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.
EXHIBIT A
LEGAL DESCRIPTION
Buyer: _____________
Buyer: _____________
Seller: _____________
Seller: _____________
**Exhibit A obtained from document recorded under recording number 201407180801 subject to change upon title examination**
NEIGHBORHOOD REPORT
2212Alder St NE, Tacoma, WA98422
Subject Parcel
TaxAcct: 3770000120
Owner: Kleeberger,Terry Kleeberger, Kathleen M
MailAddr: 2212Alder St NE Tacoma, WA98422
Beds: 4
Parcel ID: 3770000120
Acreage: 0 40
Bldg Sq Ft: 5,291
Baths: 4
$1,500,000
$2,045,600
$2,045,600
Statistics
Sale Price vs Market Value Chart
NEIGHBORHOOD REPORT
NEIGHBORHOOD REPORT
2. 6912 Water St NE, Tacoma, WA98422
TaxAcct: 3770000086 Acreage: 0.40
Owner: Vosberg, Janet L Vosberg,Theodore E
2
3 2215Alder St NE, Tacoma, WA98422
TaxAcct: 3770000088
2215Alder St
4. 2218Alder St NE, Tacoma, WA98422 TaxAcct:
NEIGHBORHOOD REPORT
5. 2208Alder St NE, Tacoma, WA98422
NEIGHBORHOOD REPORT
7. 6722 Water St NE, Tacoma, WA98422
Owner: Baird, Robert H Susan, VTtee
MailAddr: 8624 East Side Dr NE Tacoma, WA98422
Dt: 01/27/2022
4 5
10Township 21 Range 03 Quarter 33 FAIRVIEW PARK TRACTS DBLR 87-10-15-0297THATPOR L2 & 3
NEIGHBORHOOD REPORT
NEIGHBORHOOD REPORT
11. 8614 East Side Dr NE, Tacoma, WA98422
Luong, Jacob
SUBDIVISION MAP
Parcel: 3770000120
Tax Lot: 3770000120
2212Alder St NE Tacoma, WA98422
s & TITLE
PRELIMINARY TITLE COMMITMENT & CCRS
TITLE COMPANY: 1234567
Stewart Title Company 981 Powell Ave SW, Ste 100 Renton, WA 98057
TitleOfficers@stewart.com
ESCROW CONTACT: (Once contract is fully executed and sent to escrow.) Escrow Closer - TBD
FOR THE PROPERTY OWNER:
TITLE INSURACE FAQ’S
Q: What is title insurance?
A: An opinion of the condition of title to real property, backed by an Insurance policy.
Q: Why do I need title insurance?
A: When you buy a home, or a property for that matter, you expect to enjoy certain benefits from ownership. For example, you expect to be able to occupy and use the property as you wish, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell or pledge your property as security for a loan. Title insurance is designed to cover these rights.
Q: What if I have a problem? Do I have to lose my property to make a claim?
A: Not at all At the mere hint of a claim adverse to your title, you should contact your title insurer who issued you policy Title insurance includes coverage for legal expenses which may be necessary to investigate, litigate or settle an adverse claim
Q: What does this cost?
A: The cost varies, depending mainly on the value of your property The important thing to remember is that you only pay once, and then the coverage continues in effect for so long as you have an interest in the covered property If you should die, the coverage automatically continues for the benefit of your heirs. If you sell your property, giving warranties of title to your buyer, your coverage continues. Likewise, if a buyer gives you a mortgage to finance a purchase of covered property from you, your coverage continues to protect your security interest in the property.
Q: If my lender gets title insurance for its mortgage, why do I also need a policy?
A: The lender’s policy covers only the amount of its loan, which is usually not the full property value. In the event of an adverse claim, the lender ordinarily wouldn’t be concerned unless its loan became non-performing and the claim threatened the lender’s ability to foreclose and recover its principal and interest. And, in the event of a claim there is no provision for payment of legal expenses for an uninsured party.
PRELIMINARY TITLE REPORTS:
UNDERSTANDING THE BASICS
The Title Company begins the process of preparing a preliminary report once they have received an order for title services. Our search experts assemble various public records relating to both the property being purchased and the people involved in the transaction
After examining the information gathered, an examiner prepares the preliminary report, which shows current ownership of that specific parcel of land any liens and encumbrances the title company will not cover under the subsequent title policy.
What is the point of the preliminary report?
The preliminary report gives the conditions for The Title Company to issue a particular type of policy. It lists title defects, liens and encumbrances that would not be covered if the title policy were issued as of the date of the report. The preliminary report provides an opportunity to request that actions be taken to remove the objectionable items listed in the report.
If the objectionable items are not eliminated or released prior to the closing and transfer of title, they will be listed as exceptions on the final policy, meaning they will not be covered. For example, the seller could be required to pay a contractor who placed a lien on the property so that the lien would be removed.
Is a preliminary report just another name for the title policy?
No The preliminary report provides the statement of the conditions needing to be addressed in order for a title policy to be issued. The preliminary report offers no representation of the condition of the property’s title. It does not create a contract of liability, which means it provides no protection to the recipient. An actual title policy must be issued in order to provide protection and prevent parties other than the policy recipient from claiming the benefit of owning the property.
(continued on next page)
PRELIMINARY TITLE REPORTS:
UNDERSTANDING THE BASICS
What key points should one look for in a preliminary report?
You will want to pay particular attention to: the extent of ownership rights, including any possible ownership interest on the part of parties other than the seller items listed as being excluded from coverage, including liens, restrictions and interest of others (listed numerically as exceptions) interest of third parties. For example, easements limiting use of the property granted by a prior owner.
A list of standard exceptions and exclusions of items not covered by your title policy may be attached to your report; if so, you should review this as well.
Who can best explain a preliminary report?
Your title agent, your real estate agent or, should you have one, your attorney can help explain the specifics of your preliminary report. Don’t hesitate to ask any one of them to discuss the report with you.
Does the preliminary report contain the complete condition of the property’s title?
It does not. The preliminary report is merely an offer to insure upon the terms and conditions stated therein. It details matters that the title company would exclude from coverage were they to issue a policy at a later date.
CLOSING PROCESS
7 Steps to a Smooth Closing For Buyers
1.Homeowner’s insurance
Prior to closing, please provide us with your choice for homeowners insurance and your insurance agent’s name and phone number.
2.Certified funds
Check to see if your state requires certified funds at closing. If so, your closing cost must be in the form of a cashier’s check, certified check or wired funds.
3.Wired funds
If you wish to wire your closing cost from your account directly to Stewart Title’s escrow account, please inform us prior to the closing, so that we may assist you in making the arrangements.
4.Verify wiring instructions
Before sending any money electronically, verify all wiring instructions with your agent by phone. Don’t rely on emails or other forms of communications. Know that Stewart uses CertifID to protect against wire fraud.
5.Identification
Don’t forget to bring your driver’s license or other U.S. issued form of official picture ID to closing.
6.Reviewing documents
If you wish to examine your loan documents prior to closing, please request that the mortgage company provide them to the title company at least one day early.
7.Reimbursements
All bills for inspections, repairs or other items to be paid at closing must be provided to us prior to closing.
Avoid common closing delays
X If you will not be present at closing to sign documents and intend to use a power of attorney, you must provide the original power of attorney to your closing officer prior to closing for approval and recording of the document. (The lender will also need to approve the power of attorney.) On the day of closing, we will need to contact you and verify that you have not revoked the power of attorney.
Contact me to learn more about the benefits of closing with Stewart Title.
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X If you are unable to attend the closing and will sign the papers by overnight mail, please provide Stewart Title with the forwarding address, including ZIP code. Also, please provide us with a contact number in case we need to reach you. You will need to sign the papers in front of a notary. Some states can arrange for a mobile notary. We will provide you with a return overnight mail packet. Please send the signed and notarized closing papers back to us the same day you receive them.
You Are in Escrow So Now What?
1. Purchase Agreement is provided to escrow and reviewed by the escrow team.
2. Buyer’s deposit is received. Preliminary report/ title commitment is requested.
3. Preliminary report/title commitment is received, reviewed and distributed.
4. Escrow instructions and documents are prepared and distributed as per local practice.
5. Information and signatures from principal(s) are requested. This includes payoff of underlying loans and Statements of Information from sellers.
6. Demand(s) are requested and received.
7. Data entries are made for payoffs, commissions, etc.
8. If financing is involved, loan approval is received, and loan documents arrive from the lender.
9. Escrow prepares estimated closing statements for buyer and seller review and approval, together with seller’s CD, if required.
10. Buyer’s signing appointment is scheduled, documents are prepped for signing. Escrow paperwork is added. Appointment with seller is made, if required.
11. Funds are requested and received from buyer and seller, if required. Upon receipt of buyer and seller funds as may be required, loan funds are requested from lender.
12. Upon receipt of all funds required to close, recordable documents are forwarded to county recorder’s office with authorization to record.
13. Disbursements are made and closing packages are released.
Home Buying Process
So, you’ve decided to buy a home. Congratulations. However, making the decision to purchase is just the first of many steps. To help you better understand the homebuying process, we’ve listed everything that happens between the time you decide to buy a home and when it’s time to move in.
Prepare to shop
Execute the contract
Compile a list of needs and wants
Prequalify for loan and financing
Find a real estate broker
Visit properties and rank them 1 8 9 2 7 10 3 6 11 4 5
Open an escrow account and send earnest money
Negotiate, if necessary
Make the offer
Sign documents and complete the closing process
Welcome home
Whether it’s your first home or one of many, this is an exciting time, and you can always count on Stewart Title to be here to assist you with your real estate needs, no matter what stage you are in on your home ownership journey.
What happens: Contract to closing
There’s a lot that happens between the time a buyer finds a house and the day they own it. To help you better understand what happens after the Sold sign is posted, we’ve listed the seven basic steps of transferring a land title.
1
Earnest Money
An escrow contract (an agreement to close) starts the process.
2
Title Search
Copies of documents (surveys, deeds, encroachments, restrictions, assessments, liens, wills, divorce settlements, etc.) are gathered from various public records.
3
Examination
Legal owner, debts owed and encumbrances on the land are verified.
4
Nonpublic Record Check
Taxes, assessments, liens, bills and other nonpublic information are reviewed.
Document Preparation
Forms are prepared for settlement and transfer of title.
Please contact me for more information.
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5 Settlement or Closing
6
Either an escrow officer or a closer will oversee the closing of the transaction. Seller signs the deed; buyer signs note and new mortgage. Old loan is paid off; new loan is recorded. Seller, real estate agents, attorneys, title company and others are paid. Owner’s and lender’s policies are issued.
7
Recording of Legal Documents
Documents are recorded with the county to show transfer of ownership.
SIX STEPS TO E SC ROW S U CCE SS
In Washington, the Stewart T itle escrow staff is ready to consistently provide you and your customers with the best closing experience possible. For a speedy transaction, we recommend following the six steps below to ensure a successful escrow process.
Step One
Recommend Stewart T itle for your customers’ title insurance and escrow settlement. Ask for their escrow or title reference number to use for all future communications.
Step Two
Read and understand the preliminary report. If there is an item you don’t understand, contact your escrow or title officer.
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Step Three
Inform your escrow officer if any changes occur. All changes should be noted in writing. Remember, escrow only acts on mutual instructions except with rare exceptions.
Step Four
It’s important to understand the fiscal tax year, debits, credits, prepaid interest, impounds, due dates and delinquent dates in order to ensure that this information will be easily understood by your client. Familiarize yourself with normal buyer and seller closing costs.
Step Five
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Check each signature for accuracy. Review purchase agreement to ensure it is complete and includes buyers’, sellers’, and agents’ phone numbers and email addresses. Make sure all of the required documents are signed and notarized when applicable.
Step Six
Double-check all papers and documents before retur ning them to your escrow officer for verification.
Tacoma Washington
Museum of Glass
1801 Doc St, Tacoma 98402
Located in Tacoma, Washington, Museum of Glass is a premier contemporary art museum dedicated to glass and glassmaking in the West Coast’s largest and most active museum glass studio. The Museum has established a reputation for hosting impactful and engaging artist residencies, organizing and exhibiting nationally traveling exhibitions, and creating unique programs for visitors, all while building a growing permanent collection chronicling the development of modern and contemporary glass.
Since opening in 2002, the Museum has served as a catalyst for change in Tacoma. The iconic building was erected on a Superfund site which started the restoration of the Thea Foss Waterway.
Today, you will find a thriving arts and culture center, including six museums all within walking distance.
https://www.tacomaartmuseum.org/about-us/history-vision/
Tacoma Art Museum
1701 Pacific Ave, Tacoma 98402
Tacoma Art Museum is located in the homelands of the Puyallup Tribe of Indians. We recognize and honor the Puyallup people and Coast Salish communities who have endured so much that we can all thrive here today.
Tacoma Art Museum (TAM) is an anchor in the city’s downtown area and a gathering place for connecting people through art via thoughtful exhibitions, exciting events, and enriching programs.
Named by USA Today as one of the “Top 10 Great Places to See Art in Smaller Cities,” the museum has developed a national reputation for presenting art in a thought-provoking yet accessible manner, with a strong commitment to Northwest art through its acquisition and exhibition programs In addition to dynamic exhibitions, nationally touring shows, and historical retrospectives, TAM serves the diverse communities of the region through innovative programming and learning opportunities for all ages, including free community events. TAM is located in Tacoma’s Museum District, near the Museum of Glass,
https://www.tacomaartmuseum.org/about-us/history-vision/
Point Defiance Park
5400 N Pearl St, Tacoma 98407
Metro Parks Tacoma is a CAPRA-accredited, independent park district that leads efforts to build a healthy, sustainable community
Good parks, open space and program services contribute to economic development by fostering economic benefits and promoting tourism:
Environmentally, they provide green infrastructure and help manage climate change. Socially, they revitalize communities, create safer neighborhoods, help children learn and grow, improve public and environmental health, and support smart growth
Culturally, open space and program services can nurture a sense of place in the community, and provide opportunities to engage the public of diverse backgrounds.
Metro Parks Tacoma offers a variety of experiences on its 2,905 acres:
Two AZA-accredited zoos
An old-growth forest inside 760-acre Point Defiance Park
Sports complexes, pools and spraygrounds
Community centers
A marina on Puget Sound
A nature center
An accredited living history museum
87 miles of trails
Nine community gardens
A golf course
A Victorian-style conservatory inside an arboretum
Hundreds of program offerings in sports, arts and more
https://www.metroparkstacoma.org/about/
Point Defiance Zoo & Aquarium
5400 N Pearl St, Tacoma 98407
Point Defiance Zoo & Aquarium isn't just a fun place to spend time with friends and family. It's the only combined zoo and aquarium in the Pacific Northwest, nestled inside the 700-acre Point Defiance Park with views of Mount Rainier and Puget Sound. And with over 350 different animal species, there's plenty to explore.
https://www.pdza.org/visit/
Washington State History Museum
1911 Pacific Ave, Tacoma 98407
Founded in 1891 and now into its second century of service, the Washington State Historical Society is dedicated to collecting, preserving, and vividly presenting Washington’s rich and storied history The Historical Society offers a variety of services to researchers, historians, scholars, and lifelong learners, as well as operating the State History Research Center and the Washington State History Museum.
The Historical Society is governed by a Board of Trustees, which includes seven public officials (the Governor, Secretary of State, Superintendent of Public Instruction and four State Legislators) who serve ex officio. Trustees (excepting statewide elected officials) are limited to three three-year terms; the officers (President, Vice Presidents for western and eastern Washington and the Treasurer) are limited to two three-year terms. The director is appointed by, and serves at the pleasure of, the board and functions as the corporate secretary.
https://www.washingtonhistory.org/about/
Pacific Bonsai Museum
2515 S 336th St Federal Way
Pacific Bonsai Museum
Pacific Bonsai Museum connects people to nature through the living art of bonsai We feature worldclass bonsai from the Pacific Rim nations of Canada, China, Japan, Korea, Taiwan and the United States Free and open to the public six days a week, this cultural gem offers contemporary and traditional bonsai exhibits, group tours, education and special events.
Open 10:00AM - 4:00PM https://pacificbonsaimuseum.org/
Rhododendron Species Botanical Garden
2525 S 336th St Federal Way
Open 10:00AM - 4:00PM
The Rhododendron Species Botanical Garden, located between Seattle and Tacoma, is a 22-acre woodland garden featuring the largest collection of Rhododendron species in the world. With a Victorian stumpery, the Rutherford conservatory, a pond garden, extensive fern collection, rock garden, and a blue poppy meadow, visitors will experience a diverse collection of plants in a Pacific Northwest forest setting. The garden is also home to beautiful companion plants, including the famous Himalayan Blue Poppies, Camellias, Magnolias, Japanese maples, and many rare plants. Many of the plants found growing in the Garden are for sale in the Nursery or through our on-line catalog. RSBG is dedicated to the conservation, research, acquisition, evaluation, cultivation, public display, and distribution of Rhododendron species.
https://rhodygarden.org/
Wild Waves Theme & Water Park
36201 Enchanted Parkway S, Federal Way
Two GREAT Parks. One LOW Price! Wild Waves Theme & Water Park is Washington’s ONLY combination theme and water park We offer classic theme park rides for the entire family, plus the region’s best outdoor water park! Home to the giant Timberhawk Ride of Prey wooden coaster, and a 500,000 gallon Wave Pool, you won’t want to miss out on a day of FUN at Wild Waves! The park is open seasonally from May to November.
Open seasonally
https://www.wildwaves.com/
430 S Dash Point Rd, Federal Way
Open 10:00AM - 4:00PM
Within 30 minutes of Seattle, PowellsWood is one of the fine gardens of the Puget Sound region A true pleasure garden, PowellsWood is a unique celebration of the natural world. Open to the public, you are invited to come explore this oasis of beauty, rest, and inspiration PowellsWood is open April through October
https://www.powellswood.org/
PowellsWood Garden
Brown’s Point Diner
6622 East Side Dr NE
Browns Point 98422
Taqueria Sinaloa
1941 WA-509
Tacoma 98422
The SandBar & Grill
1941 Marine View Dr
Tacoma 98422
Taco Sinaloa
5916 29th St NE
Tacoma 98422
Cliff House Restaurant 6300 Marine View Dr
Tacoma 98422
Mediterranean Gyro Grill 34024 Hoyt Rd SW Federal Way
Think Teriyaki 2125 SW 356th St B Federal Way
Thai In Fife
4420 Pacific Hwy E
Tacoma 98424
Restaurants
Puerto Vallarta Twin Lakes
2002 SW Campus Dr
Federal Way
Pho Fusion & Grill
2310 SW 336th St
Federal Way
KC Deez BBQ
2500 SW 336th St A
Federal Way
Magic Wok
2327 SW 336th St
Federal Way
Maharaj Cuisine of India
2312 SW 336th St
Federal Way
Yoko’s Teriyaki Bistro
34024 Hoyt Rd SW
Federal Way
Pimienta | Bistro and Bar
34029 Hoyt Rd SW
Federal Way
Subway
4125 49th Ave NE E
Tacoma 98422
Browns Point Lighthouse Park
201 Tulalip St NE, Browns Point
Browns Point Lighthouse Park (4.03 acres) lies on the tip of historic Browns Point, and provides waterfront access for the community. A large green space makes this a nice spot for a picnic as you watch the deep-sea ships entering Tacoma’s busy port.
https://www.metroparkstacoma.org/place/browns-point-lighthouse-park/
Dash Point Park & Pier
1500 Beach Dr NE, Tacoma
Established in 1922, this park offers 700 feet of sandy saltwater beach, views of Puget Sound, a fishing pier, picnic facilities and beach walking.
https://www.metroparkstacoma.org/place/dash-point-park/
Norpoint Park
4818 Nassau Ave NE, Tacoma
This 19.72 acre park includes a playground and sprayground, rain gardens, eco-turf, furnishings, skate park and trail elements.
https://www.cityoffederalway.com/page/community-parks-0
Dash Point State Park
5700 SW Dash Point Rd, Federal Way
Hidden in plain sight, this park offers miles of forested hiking and biking trails, but its main draw is the beach. Whether you're out for an afternoon or a camping trip, you'll be delighted by this oasis tucked between two urban hubs.
Activities:
Beach Exploration
Mountain Biking Biking
Amenities:
Accessible Campsites
Mountain Biking Biking
Park Features:
Creek
Forest Viewpoint
First Day Hike Events
Winter Camping
Bird Watching More
First Day Hike Events
Winter Camping
Bird Watching More
Field
Ocean Beach
Sandy Beach
Wildlife Viewing
https://parks.wa.gov/find-parks/state-parks/dash-point-state-park
Browns Point Playfield Tennis & Pickleball Courts
4915 La Hal Da Ave NE, Browns Point
This neighborhood park in Northeast Tacoma features tennis and sport courts, baseball field, picnic tables, playground and Madrona grove.
Browns Point Playfield (4.23 acres) was established in 1959.
https://www.metroparkstacoma.org/place/browns-point-playfield/
BPA Trail
Between S. 324th and Madrona Park, Federal Way
Amenities: Natural Area and Parking
3.64 miles
ADA Access
Phase 1: 1-mile trail from Celebration Park to 1st Avenue
Phase 2: 0.95-mile trail from 1st Avenue to SW Campus Drive / Aquatic Center
Phase 3: 1.4-mile trail from SW Campus Drive to S. 356th
Phase 4: 0.25-mile trail from S. 356th to Madrona Park Playground
Total: 3.6 miles of paved pathway
https://www.cityoffederalway.com/page/community-parks-0
(Photo from https://www.wta.org/go-hiking/hikes/bpa-trail)
For information on each of these attractions, visit the Travel Washington website at: http://www.travel-in-wa.com
ACTIVITIES & ENTERTAINMENT PUGET SOUND AREA:
Things to Do
The Puget Sound Region is full of dynamic and cosmopolitan cities framed by inspirational lakes, pristine ocean bays and rugged mountains. It is a virtual smorgasbord of possibility, from recreational opportunities in unrivaled natural settings to urban delights in the arts and culture offered in world-class museums, theatres and other venues. An area rich in history, from the Northwest Native American cultures and Alaska Yukon gold rush days, to Seattle’s iconic Space Needle and corporate giants in aviation and the dot-com. Whether you’re looking for fun, excitement, education or romance, this region offers an unrivaled choice of diverse activities.
Experience Washington is the official travel and tourism website for the state. Visit their site to discover and plan things to do in all regions of Washington. You can also contact them at 1-800-544-1800. www.experiencewa.com
For a listing of suggested attractions, coupons and other visitor’s resources check out: The Puget Sound Attractions Council website at: www.seattleattractions.com
The GoNorthwest Online Travel Guide offers a listing by Puget Sound City of attractions, accommodations, visitors information, activities and more. It can be found at: www.gonorthwest.com
WINERIES & BREWERIES
Nationalrank:2ndlargestpremiumwineproducerintheUnitedStates
Numberofwineries:
Numberofwinegrapegrowers: 850+ 350+
Appellations:
ThirteenAmericanViticulturalAreas(AVAs),asrecognizedanddefinedbythe USTreasuryDepartment;Alcohol&TobaccoTaxes&TradeBureau
1.YakimaValley-1983
2.WallaWallaValley-1984
3.ColumbiaValley-1984
4.PugetSound-1995
5.RedMountain-2001
6.ColumbiaGorge-2004
8.WahlukeSlope-2006
9.RattlesnakeHills-2006
10.SnipesMountain-2009
11.LakeChelan-2009
12.NachesHeights-2011
13.AncientLakesof
7.HorseHeavenHills-2005 ColumbiaValley-2012
VisittheWashingtonStateWinewebsiteat:washingtonwine.org
AbouttheWashingtonStateBeerCommission&Industry
TheWashingtonBeerCommissionwasratifiedbytheWashingtonState LegislatureonSeptember6,2006asanAgriculturalCommodityCommission, becomingthefirstcommoditycommissionforcraftbeerintheU.S.Through RCW15.89thestategrantedthecommissiontheopportunitytoproduceup to12beertastingfestivalsperyearandtousetheproceedstopromoteand marketWashington’scraftbreweries.Anassessmentoftencentsperbarrel producedbyeachbrewery(withacapassessmentof$1,000)wasalsoa partofthelegislation.Washingtonstatenowboasts240+breweriesandI sstilltheonlystateinthenationwithabeercommission.
VisittheWABeerCommissionwebsiteat:washingtonbeer.com
DownloadtheWashingtonBeerMobileApp:
Stadium High School
School Report
Subject Parcel
SiteAddress 2212Alder St NE Tacoma WA98422
Parcel 3770000120
School District 010Tacoma Public
Assigned Primary School Browns Point Elementary School
Assigned Middle School Meeker Middle School
Assigned High School Stadium High School
School Map
School #1
School District Tacoma School District Dist From Subject 1 19 miles
School Browns Point Elementary School SiteAddress 1526 51st St NE
City Tacoma Zip 98422
Type 1-Regular school Students 434
Charter No Magnet No
Title 1 Elig 2-No Title 1 6-Not aTitle I school
Free/Reduced Lunch 83 FTE Teachers Count 24 82
Student/Teacher Ratio 17 49 Grade Levels Kindergarten - 5th Grade
Male 234
50
10
Asian/Pacific Isl. 68
School #2
School District Tacoma School District Dist From Subject 1 75 miles
School Meeker Middle School SiteAddress 4402 NassauAve NE
City Tacoma Zip 98422
Type 1-Regular school Students 586
Charter No Magnet No
Title 1 Elig 2-No Title 1 6-Not aTitle I school
Free/Reduced Lunch 229 FTE Teachers Count 29 07
Student/Teacher Ratio 20 16
38
Levels 6th Grade - 8th Grade
4 Asian/Pacific Isl. 79
School #3
School District Tacoma School District
School Stadium High School
Dist From Subject 3 92 miles
SiteAddress 111 N E St
City Tacoma Zip 98403
Type 1-Regular school Students 1571
Charter No Magnet No
Title 1 Elig 2-No
Free/Reduced Lunch 565
Student/Teacher Ratio 23 38
Asian/Pacific Isl. 149
Title 1 6-Not aTitle I school
FTE Teachers Count 67 20
Grade Levels 9th Grade - 12th Grade
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(800) 331-0500
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ci.bonney-lake.wa.us cityofbuckley.com ci.dupont.wa.us cityoffircrest.net cityofgigharbor.net cityofpuyallup.org townofsteilacoom.com ci.sumner.wa.us mytpu.org cityoftacoma.org firgrove.org foxislandwater.org lakeviewlight.com lakewood-water-dist.org plw.coop co.pierce.wa.us n/a rainierviewwater.com spanaway-water.org wawater.com
Pierce County, cont’d
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(360) 829-1921 (253) 414-0347 (253) 875-5053 (253) 414-0345 (253) 591-5543 (253) 564-3212 (253) 564-3212
cityofbuckley.com murreysdisposal.com lemaypiercecountyrefuse.com murreysdisposal.com cityoftacoma.org uprefuse.com uprefuse.com
10 REASONS WHY
You will make more money. U.S. Housing and Urban Development reports that a staged house sells, on average, 17% higher than a non-staged house.
The cost of staging doesn’t cost a dime. A Home Gain Survey of over 2000 Realtors discovered that sellers who spent up to $1,000 staging their home recovered almost 200% of the cost in the sale of their home.
Most home sellers cannot view their house objectively. If you can’t see objectively, you can’t “package” effectively. Have a staging professional give you a detailed, step by step, “Action Plan” so you can do the work yourself.
Less guesswork and “Do It Yourself”. A professional home stager can manage your projects from start to finish OR give you a detailed enough report based on their extensive knowledge and training to have you “do it yourself”.
Only 10% of homebuyers can visualize the potential of a home. That’s why staging a vacant home is critical! You don’t want the benefits of your beautiful home left up to the buyer’s imagination.
Studies show that the longer your home stays on the market the lower your selling price will be. Don’t settle for less and lower your price…have your house staged.
Staging is designed to differentiate a house. Create emotion, which translates into more offers and more money. Staging is about the creativity, not the money. Staging helps with the vision. Buying a house is largely an emotional decision because people are not just purchasing a home; they are buying a dream...a lifestyle. When it comes to staging a home, the beauty lies not only in the art but in the numbers. Staging can transform a home from ugly duckling to swan.
Keep in mind what you’re selling is the home, not its contents. If you remove throw or area rugs, eliminate clutter and collections, and cut down on furniture and accessories, the room will appear to be more airy and spacious. It's all about flow.
TIPS FOR SELLERS HOME DECLUTTERING
By de-cluttering a home, you allow customers to see each space’s best features and full potential. Give customers the space to envision their own dreams within the home. Here are a few tips for staging a home properly with tips on staging mistakes to avoid:
KEYS TO STAGING A HOME PROPERLY¹
• Give the property’s interior a fresh coat of paint to show prospective buyers the home is well kept and alive
• Whether you want to or not, be sure to disclose everything about the property
• Fix all running toilets – the sound of echoing pipes is a sound that could spook off customers
• Show the cozy places in the home, including the outside; if there’s a patio or a porch, show potential customers that the property’s outside is as attractive as the inside
• To get a feel for what spaciousness, simplicity, neutral colors and décor can do for your home sales, visit model homes to see how they do it
• To freshen up the kitchen area, cut one lemon in half and grind it in the garbage disposal
• Display foliage in moderation; be mindful to invest in quality plants that are either silken or easy to maintain
• Ask yourself if all of the decorative items in the home are really needed, or if they can be put away (for example, do you really need three statuettes of turtles on the kitchen counter? Perhaps just clear the counter off completely)
• Listen to the pros and hire an agent to assist you with your real estate needs
STAGING MISTAKES²
• Leave no section of your home un-staged – be prepared for potential buyers with a critical eye for details, including cleanliness
• If you’re going to add fragrance to the home, use a tad of neutral, fresh-smelling scents such as vanilla or lemon; refrain from using over-powering scents – it could smell like you’re trying to cover an odor
• Do not leave any family photographs, mail, documents or other personal information out on countertops –also, if you keep pictures or personal items tacked on your refrigerator, remove those as well.
• Keep personal items in a hidden, well-protected place; create a non-cluttered, neutral environment in which a potential buyer can picture themselves living there (not the family currently living there)
• Be sure the closet spaces are cleared out – you want your potential buyers to see how much storage space they may find handy
• If a DIY project has been left unfinished, either clean it up or clear it out
• Don’t forget that the yard should be just as neat as the inside of your home
• Not everyone is pet-friendly; when showing a home, please remove your furry friends during a showing
• Be sure the food pantry, laundry room and garage are well-organized and clean; only leave items in those storage spaces that pertain directly to the space itself; all other knickknacks or untidy items should be re-moved
Sources:
1 http://www.hgtv.com/real-estate/top-10-home-staging-dos/index.html
http://www.squidoo.com/homestagingmistakes#module13426482
2 http://www.squidoo.com/homestagingmistakes
http://www.hgtv.com/real-estate/top-10-home-staging-donts/ index.html
CLEANING HACKS
Every well-run household has its own unique solutions and quick fixes to keep it humming smoothly.
Here are a few favorite and clever pearls of domestic wisdom to add to your collection
• Have you tried baby wipes on carpet stains? They work so well, you’ll be wondering why no one told you sooner!
• Keep candles in the refrigerator for several hours before you use to slow down dripping and make them last longer.
• To eliminate cooking odors heat white vinegar in an uncovered pot on the stove. (don’t boil) Remove after 30 minutes. The light vinegar smell dissipates quickly, taking odors with it.
• The best way to attack cooked-on spatters in your microwave: Heat a half-cup of water for two minutes on high. The steam will soften the food and the mess will wipe right out.
• When run through your coffee grinder, a handful of dried rice will sharpen the blades.
• After your next party, share flat, leftover beer with your garden. The plants love the yeast.
• Ants hate anything spicy. Sprinkle ground pepper, cayenne, even cinnamon, in their path, and you’ll stop them in their tracks.
• Your chimney will stay clean if you throw a handful of salt on the fire.
• Fill nail holes with a paste made of cornstarch and water. Works just as well as putty!
• When a wooden door or gate sticks, bring out the hair dryer. By blowing hot air directly on the wood where it’s sticking, you’ll remove the moisture and the swelling will go down.
• Squeaky doors? For a drip less solution, use petroleum jelly on the hinges instead of oil.
• Simmer a sliced apple and a couple of cinnamon sticks in water on the stove. Your whole house will smell like apple pie.
• Place unusable remnants of soap in a ventilated plastic bag and pack it away with seasonal clothes. This will keep the moths away, and your clothes will smell much better when you take them out of storage.
• Leather needs to breathe, so never hang coats or jackets in plastic. Instead, make a dust cover from a pil-lowcase by cutting a hole in the top for a hanger.
CHECKLIST: MOVING DAY
BEFORE MOVING DAY
❑ Pack all family records in a separate box and keep it with you (not in the moving van) when you move. Include your family’s medical, dental, school, and financial records. Although the moving company is insured, if it loses your irreplaceable records and other valuable, there is nothing they can do to get them back.
❑ Forward your mail. Make “We’re Moving” postcards to send to friends and relatives. Send change-ofaddress forms to magazines, service organizations, DMV/DOL and others. Go to the post office and complete a mail forwarding form. Also, consider sending electronic change-of-address cards to your friends. Check the Internet for sites that offer these cards for free.
❑ Say goodbye to your neighbors and give them your new address and phone number. Hand out “We’re Moving” postcards as you say goodbye.
❑ Call the telephone and utility companies to close or transfer your accounts and let them know your new address. Your final bills will arrive there.
❑ Be sure that the new tenants (or property manager) have the code for the alarm system.
ON MOVING DAY
❑ Turn off and unplug all appliances. Check the refrigerator, air conditioner, clothes washer, dryer, and other appliances. As a courtesy to the new tenants, leave the plugs and their wall sockets in plain view and accessible.
❑ Turn off the automatic sprinkling system (or set it to automatic, if appropriate)
❑ Set the thermostat to 55 degrees. If it’s winter, this will help ensure that the pipes won’t freeze before the new tenants arrive.
❑ Close blinds and draperies and turn off all lights except one or two so that the house doesn’t seem unoccupied.
❑ Secure and lock all doors and gates. Remove any locks to which you own a key or combination (or leave the key or combination for the new occupants).
CHECKLIST: CHANGE OF ADDRESS
Utilities & Services Electric
Garbage
Sewer
Recycle
Telephone/Mobile
Cable/Satellite
Internet
Fuel
Water Delivery/Water Treatment
Pool Services
Lawn/Garden Services
Housecleaning Services
Physicians/Dentists/Veterinarian
Attorney
Real Estate Broker
Lender
Pharmacy/Drug Store
Dry Cleaners
Subscriptions
Newspapers
Magazines
Book and Music Clubs
Family Schools
Children’s Organizations
Clubs (Athletic, misc.)
Relatives, Friends, Business Associates
Don’t forget to submit your change of address with the U.S. Post Office online, mail-in form, or at a local branch and set your mail to forward.
Financial & Personal Accounts
Employer/Benefits/401K
Banks
Loan Institutions
Financial Advisor/Investments
Major Credit Card Companies
Department Store Credit Cards
Insurance Agencies (Health, Home/Life & Auto)
Charge Accounts
Pension Plans
Air Miles Rewards Program
Accountant/Tax Consultant
Charities
Professional Memberships/Licensing Boards
Government & Public Offices
Post Office
Veteran Affairs
Income Tax/IRS
Family Support
Social Security
Pension Benefits
Unemployment Insurance
Vehicle Registration
Driving License
Voter’s Registration
REMINDERS FOR FALL/WINTER:
HOME MAINTENANCE
Owning a home can be a dream come true. But without regular maintenance, your home can become a nightmare. Here is a handy fall-winter maintenance checklist to use to you can ensure your home remains your haven all winter long.
REMINDERS FOR SPRING:
HOME MAINTENANCE
Show your home’s interior and exterior some much-needed TLC and take spring-cleaning to the next level. Don’t know where to start? Use this list to help you tackle spring maintenance like a pro.
Advantages Of Owning A Home
The decision to purchase a new home brings a sense of stability. Whether you need a place to make your own, more space for a growing family or an investment opportunity, the home-buying process is an exciting time.
Buying a home often reflects a desire for financial security and can be a sound decision for number of reasons:
Accumulation of Equity
When you buy your house and pay your monthly mortgage, you can gradually accumulate what lenders call equity. Equity is an ownership interest in the property. It can be converted into cash by borrowing against it or by selling your house. Unlike owning a home, renting offers no opportunity to build equity.
Stable Housing Costs
Another advantage to homeownership is that mortgage payments can remain unchanged throughout the life of your mortgage. Renters may face an increase in rent payments year after year. With a fixed-rate mortgage, your monthly payments remain the same over the years as other costs of living increase over time due to inflation. As a homeowner with a fixed-rate mortgage, you have the advantage of knowing what your mortgage payment will be far into the future.
Increased Value
Houses typically increase in value, or appreciate, over time. It’s not unusual to find a house that sold for $150,000 15 years ago valued at a much higher price today. Appreciation is like money in the bank to you as the homeowner.
Please
As a homeowner, you will enjoy significant tax breaks that are not available to renters. The most important tax benefit of homeownership is that interest paid on your home mortgage is usually deductible. This fact alone can save you a substantial amount each year in federal income taxes.
Comparing Coverage of ALTA Owner’s Policy and ALTA Homeowner’s Policy
Stewart Title offers our residential customers various levels of coverage for your protection. The coverage provided by the ALTA Owner’s Policy (a standard coverage policy) covers you for defects and liens typically in the Public Records’ history of your title through the date and time your deed is recorded in the Public Records. The ALTA Homeowner’s Policy provides enhanced coverage and protects you from matters appearing in the Public Records and items not appearing in the Public Records, including some that might occur after the policy is issued.
Head-to-head Coverage Comparison
Coverages Included Without Endorsement
Assumes compliance with Stewart Title Guaranty Company’s underwriting requirements for issuance of the applicable policy.
Covered Risks
Title being vested other than as stated in Schedule A of policy
Forgery, fraud, duress, incompetency, incapacity or impersonation
Liens or encumbrances on the title (e.g., prior mortgage or deed of trust, state or federal tax lien, condominium or homeowners’ association lien)
A document affecting title not properly created, executed, sealed, acknowledged or delivered
Defective recording of documents
Defect in title caused by improper remote online notarization, failure to perform those acts necessary to create a document by electronic signature, and repudiation of an invalid electronic signature
Unmarketability of the title
No right of access to and from the land
Restrictive covenants limiting your use of the land
Gap Coverage (extending coverage from the closing to the recording of the deed)
Duration
Coverage continues as long as you own the property
Policy insures anyone who inherits the property from you
Policy insures the trustee of your estate-planning trust who receives a deed from you
Policy insures residential property only
Policy can only be issued to a natural person or estate planning entity
Extended Coverage
Parties in possession of the property that are not disclosed by the Public Records (e.g., tenants, adverse possessors)
Unrecorded easements affecting the property *
*
Encroachments and boundary line disputes that would be disclosed by a survey*
Mechanic’s liens (a lien against the property due to non-payment of work)*
Taxes or special assessments that are not shown as liens by the Public Records*
*Not included in the coverage
ALTA Owner’s Policy (standard) 2021
ALTA Homeowner’s Policy 2021
Head-to-head Coverage Comparison
Coverages Included Without Endorsement
Assumes compliance with Stewart Title Guaranty Company’s underwriting requirements for issuance of the applicable policy.
Additional Coverages
Actual vehicular and pedestrian access based upon a legal right*
Loss of your title resulting from a prior violation of covenant, condition or restriction*
A limited amount of coverage is available if you are unable to obtain a building permit due to an existing violation of a subdivision law or regulation or you must correct an existing violation (subject to a deductible)
A limited amount of coverage is available if you must remedy or remove an existing structure because it was built without a proper building permit (subject to a deductible)
A limited amount of coverage is available if you must remedy or remove an existing structure due to an existing violation of a zoning law or zoning regulation (subject to a deductible)
A limited amount of coverage is available if you must remove your existing structures if they encroach into an easement or over a setback line
You cannot use the land as a single-family residence because such use violates an existing zoning law or zoning regulation
You are forced to remove your existing structures because they encroach into an easement or over a setback line
Damage to existing structures due to an exercise of an existing right to use any easement affecting the land
Damage to existing improvements due to an exercise of an existing right to use the surface of the land for the extraction or development of minerals, water or any other substance
Someone else tries to enforce a discriminatory covenant*
Supplemental taxes because of prior construction or change of ownership or use*
Loss if the residence is not located at the address stated in the policy*
Pays substitute rent and relocation expenses, if you cannot use your home because of a claim covered by the policy
Automatic increase in policy amount up to 150% of policy amount over 5 years*
Post-Policy Coverages
Forgery or impersonation affecting the title
Unauthorized leases, contracts or options
Ownership claims
Easements affecting your use of the land
Encroachment of neighbor’s buildings onto your land*
*Not included in the coverage
Flood Insurance vs. Home Insurance
Are You Protected Against Water Damage?
As a homeowner, your property is one of your most valuable assets. That’s why you protect it with homeowner’s insurance. But does your homeowners insurance protect your home against all water damage? By understanding how insurance views water, you can protect yourself financially. Otherwise, you may find yourself drowning in debt.
Where water is concerned, there are two types of water-related insurance claims:
Flooding and water damage.
This first type of water-related claim is flooding, also known as rising water. It’s a very common natural disaster and is only covered through a flood insurance policy.
The second type of water-related claim is water damage. With water damage, your home insurance policy potentially covers four different types. Those are:
Sudden and Accidental – The kind of damage that occurs when a pipe suddenly bursts.
Please contact me for more information.
Seepage and Leakage – The damage resulting from a slow, continuous water leak over time.
Water Backup – Water that comes in the home through entry points such as sinks, toilets or bathtubs.
Foundation water damage – Should one of the three previously mentioned types of water damage occur, resulting in the need to break into your foundation, you’ll want to have foundation water damage coverage.
Keep in mind that not all home insurance policies cover all four types of water damage. Verify your coverage with your insurance agent.
Let Stewart Insurance help you build an Call Stewart Insurance at 866-798-2827 today.
SELLING A HOME Checklist for Repairs and Cleaning
A home that is clean and tidy, and maximizes space will sell faster and at a higher price. Keep in mind that a small investment in time and money could make your home much more attractive to buyers.
Exterior OK As IsNeeds Work
Does the house need fresh paint?
Are holes and cracks visible?
Are sidewalks, porches and decks swept and in good shape?
Is it inviting?
Do the windows and door screens need to be replaced?
Does the house trim need repair or paint?
Are gutters and downspouts secure and clean?
Landscape
Are shrubs and trees trimmed?
Is the lawn fertilized?
Is the lawn mowed and edged?
Has the lawn been weeded?
Kitchen
OK As IsNeeds Work
OK As IsNeeds Work
Are the appliances clean and working?
Are cabinets neat and in good condition?
Are countertops clean and uncluttered?
Does the tile need regrouting?
Does the sink need recaulking, chips repaired or stains removed?
Do the faucets leak?
Is the oven clean?
Is the gas igniter working properly? (Be sure to leave the key.)
Bathroom
Do the faucets leak?
Does the tub need recaulking?
Do the shower tiles need new grout?
Are the shower doors clean?
Roof
Are there any leaks or unlevel areas?
Are shingles or tiles missing?
Does the roof have any unlevel areas?
OK As IsNeeds Work
OK As IsNeeds Work
Is the garage door opener operating correctly?
Is the garage organized, neat and well lit?
Attic OK As IsNeeds Work
Is the attic organized and clean?
Are the stairs in good condition?
Is the attic well lit?
Are there any signs of insects or rodents?
Overall OK As IsNeeds Work
Can items be removed in order to make the home appear larger?
Do the walls and woodwork need new paint?
Do the walls have holes or cracks?
Does the wallpaper need replacing?
Are both sides of the windows clean?
Are there any stains or damage from water leaks?
Are the window treatments clean and properly working?
Do squeaky hinges need oil?
Are the ceiling fans and vents clean?
Do the windows open and close easily?
Has the house been deep cleaned?
Do any of the doors stick?
Do all the locks work properly and have keys?
Do the doors seal properly?
Are all lights working?
TIPS FOR MOVING
Moving can be stressful, but you can make it easier by starting your preparations early. The first step is to hire a mover. Here are few tips for choosing the right one:
x Get referrals from friends, online review sites and organizations like the Better Business Bureau®
x Find a balance between the lowest cost, the most experience and the right equipment.
x Inquire about discounts related to organizations you may belong to.
x licensed and bonded, and employees should have workers’ compensation insurance.
x Ask for references.
x Get estimates in writing.
Please
Protecting Yourself From Real Estate Cyber-fraud
Sensitive information plays a critical role in your real estate transaction, and it’s imperative that this information remains safe and protected. Stewart Title strives to provide consumers with peace of mind in knowing that their personal, non-public sensitive information is protected through Stewart Title’s data security and email encryption. But, as a consumer, there are steps you can take to protect yourself from cyber-fraud, too.
Recently, there has been a wave of cyber-fraud. Cybercriminals hack into the email accounts of real estate agents or other persons involved in real estate transactions. These “hackers” are patient; they sit and wait until they discover useful information to assist in the scam and trick you into sending money through a wire transfer to a bank account that appears to be legitimately owned by a party involved in the transaction (but is not). The hackers send an email that appears to be from an individual involved in the transaction (a practice called spoofing).
At first glance, these spoofing email addresses appear legitimate but often have one additional letter or some other minor variation from the actual email address.
Example: msmith@stewartttitle.com instead of msmith@stewarttitle.com
These spoofing emails advise the recipient (often the buyer) that there has been a last-minute change to the wiring instructions and request that funds be sent to the new account information provided. By following these instructions, the funds are inadvertently wired to the hacker’s account and, most often, lost forever.
Please contact me for more information.
Recognize common indicators of cyber-fraud:
Emails requesting last-minute changes to wiring information (e.g., particularly changes in the
Requests for wire transfers late in the day or week or outside of business hours
the email address
Suggested best practices for transmitting and receiving sensitive information:
Send emails with sensitive, personal information, through encrypted email only.
Verify requests to change wiring instructions through a trusted method (like a phone number previously
Verify wire transfer requests to locations outside normal business areas.
unexpected email.
Always question attachments and links that are sent unencrypted.
What to do if you believe you are a victim of cyber-fraud: If money was wired in response to fraudulent wiring instructions, immediately call all banks and or your funds.
Contact your local police or local municipalities’ real estate fraud division.
Contact any other parties who may have been exposed to the cyber-fraud so that appropriate action may be taken.
Change all usernames and passwords associated with any account that you believe may have been compromised.
Report any cybercrime activity to the Federal Bureau of Investigation Internet Crime Complaint Center
What is Title Insurance?
So, you’re buying a house. It’s an exciting time. It can also be a bit confusing. Things feel like they’re happening pretty fast and, often, some important things can go unexplained – like title insurance. To help you understand the purpose and importance of title insurance, Stewart Title has put together this helpful overview.
What is title?
Simply stated, the title to a piece of property is the evidence that the owner is in lawful possession of that property.
What is title insurance?
Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of liens, encumbrances or the defects in the title to the property. Each title insurance policy is subject to specific terms, conditions and exclusions.
How does title insurance differ from other insurance?
Insurance such as car, life, health, etc., protects against potential future events and is paid for with monthly or annual premiums. A title policy insures against events that occurred in the past of the real property and the people who owned it, for a one-time premium paid at the close of the escrow.
What does it cover?
Title insurance protects against claims from defects. Defects are things such as another person claiming an ownership interest, improperly recorded documents, fraud, forgery, liens, encroachments, easements and other items that are specified in the actual policy.
Who needs it?
Home buyers and lenders need title insurance in order to be insured against various possible title defects. The buyer, seller and lender all benefit from the issuance of title insurance.
How is a title policy created?
The creation of a title policy begins by searching the public records for defects, such as liens or legal judgments, which could interfere with the transfer of the property’s title. Once the title is deemed free and clear of defects, the prospective new owner receives a preliminary report for review and approval. If the prospective buyer approves the “prelim,” the escrow officer will record the document after closing and settlement, and the title policy will be created.
What is escrow?
Escrow refers to the process in which the funds of a transaction (such as the sale of a house) are held by a third party, often the title company or an attorney in the case of real estate, pending the fulfillment of the transaction.
What are the policy types?
A standard policy insures the new owner/home buyer, and a lender’s policy insures the priority of the lender’s security interest.
MOVING TIMETABLE
TIPS FOR MOVING
8
Weeks Before the Move
x Select your mover and get everything in writing.
x Decide how much of your current furniture you will be using. You can save on moving costs by getting rid of unwanted furniture prior to your move.
x Determine which unwanted pieces will be given to charity and which will be sold. This can save you money on your move – and put money in your pocket.
6
Weeks Before the Move
x If you are moving yourself, determine how many boxes you will need, then determine the size of the truck required by calculating the cubic feet of the boxes, plus that of large furniture pieces.
x If you’re moving to a new community or city, get copies of records from service providers such as doctors, dentists, lawyers and utility companies.
x Make arrangements to transfer your children’s school records.
4
Weeks Before the Move
x Clean or repair furniture, curtains or carpets, if needed.
x Hold a garage sale.
x Arrange for storage, if needed.
x Make any necessary travel and hotel reservations.
x Determine if you need to transfer local bank accounts or cancel direct deposits. Coordinate with your bank(s).
3
Weeks Before the Move
x If movers are not doing your packing, begin gathering packing materials:
° Boxes
° Bubble wrap
° Old newspapers
° Felt-tip markers
° Furniture pads
° Large self-stick labels
° Nylon packing string
° Packing peanuts
° Packing tape
° Rope
° Scissors
° Utility knife
x Begin packing items you won’t need between now and your move.
x Arrange to cancel utilities and services at your old home after you’ve moved, and make sure you have electricity and water turned on at your new home by the time you move in.
Weeks Before the Move
x Make any special arrangements to move pets.
x Have your car checked and serviced for the trip if you’re moving far away.
x Fill out a change-of-address form with the U.S. Postal Service.
x Send a change-of-address notice to your friends and family.
x Review your online accounts and update
x Transfer any prescriptions to a pharmacy near your new home and return any library books.
x Arrange for a babysitter on moving day if you have small children.
Moving Day
x Pick up the truck early if you’re moving yourself.
x Make a list of every item and box loaded into the truck.
x Give your contact information to the mover.
x Read the terms and conditions in your mover’s agreement before signing. Keep the agreement in a safe place until your goods are delivered, charges are paid and any claims are settled.
x Check that no leave-behind appliances are still connected in your old house.
x Inspect the attic and garage, and lock all doors and windows.
Delivery Day
x Check off all boxes and items as they come off the moving truck (if applicable).
x Make sure utilities are connected and new locks are installed.
x Be on hand to answer questions, pay the driver, take care of last-minute problems and examine your goods.
Days Before the Move
x Defrost your refrigerator and freezer.
x Set aside valuables and legal documents to take with you.
x Pack clothing, toiletries and other
x Have your movers begin packing.
x Arrange payment for the driver on moving day if you’re using a mover.
Happy Home Lock & Hardware
INSTRUCTIONS
One of the best parts of a Home Warranty Service Agreement from 2-10 Home Buyers Warranty (2-10 HBW) is the perks. With the 2-10 HBW Happy Home Lock & Hardware Program, you get reimbursed for protecting your home by simply replacing/rekeying your locks and hardware. Because securing your home is that important.
1.REQUEST
Within 45 days after closing, log in to Homeowner Portal (2-10.com/homeowner) to verify your contact information, and initiate the Happy Home Lock & Hardware process. No Service Fee is required. Happy Home Lock & Hardware is available only via Homeowner Portal and may only be used once.
2.PURCHASE
You may choose to purchase new door locks, make key copies, and/or re-key exterior locks and hardware for the home within 45 days after closing.
3.SUBMIT
You must submit paid invoice(s) and/or receipt(s) to 2-10 HBW within 45 days after closing using the process instructions emailed to the primary email address when initiating the Happy Home Lock & Hardware process on Homeowner Portal.
1.Visit 2-10.com/homeowner.
2.To submit your paid invoices or receipts, open your Lock & Hardware Service Request and select Request Reimbursement. your request.
4.RECEIVE REIMBURSEMENT
After 2-10 HBW receives your reimbursement request, our team will process and mail a refund check to the primary homeowner at the covered address. After submission, it may take up to 30-45 days to receive your check. The reimbursement amount for qualifying expenses
WHAT QUALIFIES
LOCK(S) AND HARDWARE
Keyed and electronic door locks, door handles, door knobs, and deadbolts for main exterior access points of the home. Locks and hardware must be new and purchased in-store or online.
KEY COPIES
New key copies for main exterior access points of the home.
RE-KEY
Locksmith service provided to re-key and/or install new door locks for the main exterior access points of the home.
EXCLUDED ITEMS
Video doorbells, garage door keypad, key fobs common in condo and multifamily units, interior hardware that is not a main access point for the home, lockboxes, mailbox keys, structures outside the main foundation of the principal residence, shed and fence lock and hardware, and lock and hardware not permanently attached to the home
Why choose 2-10 HBW?
is Expensive. ® Unexpected
With 2-10 Home Buyers Warranty, you have a plan for unexpected and expensive failures.
Without a Home Warranty Service Agreement, unexpected breakdowns can be expensive. In fact, a $400 emergency would put many Americans in a tough Agreement from 2-10 HBW, you relationships and reduce the costs of breakdowns.
1 PROTECT YOUR HOME
Purchase and set up your account. Visit 2-10.com/homeowner to review your Agreement for coverage details and update your account.
2 NEED SERVICE?
Visit 2-10.com/homeowner for 24/7 access to review your coverage and request Service.
A Contractor will contact you to schedule an appointment to diagnose your Failure.
Why choose a Home Warranty Service Agreement from 2-10 HBW?
40+ years in the industry
4 COVERAGE REVIEW We will review the diagnosis to determine coverage eligibility and provide authorization to repair or replace a Covered Item.
6M+ homes covered
97.5% of claims paid
2-10 HBW creates exceptional experiences for homeowners.
In addition to having protection for unexpected Failures, you can enjoy the added perks of being a 2-10 HBW customer, where you receive special programs, discounts, and offers!* We value our customers and strive to provide exceptional protection and experiences throughout your home ownership journey. Here are a few things you can look forward to with 2-10 HBW.
*Programs, perks, and discount availability may vary by package and be subject to additional terms and conditions. Visit 2-10.com/homeowner for details.
‘Even If’ Service Fee GuaranteeSM
This guarantee offers you extra protection. If you request Service and pay a Service Fee, and 2-10 HBW determines that your claim isn’t covered, we’ll refund your Service Fee at your request. Plus, if the same Component breaks down again during your Agreement, we won’t
Most Comprehensive HVAC Coverage
2-10 HBW provides the industry’s most comprehensive HVAC coverage, including unlimited refrigerants and SEER matching, at no additional cost. As EPA regulations around refrigerants continue to evolve, 2-10 HBW will continue to provide superior HVAC coverage by encouraging the use of alternative refrigerants, the chemical that cools your home’s air.
Appliance Color Match
When possible, 2-10 HBW will match the color of your existing appliance during an appliance replacement. Primary functionality will be
Happy Home Lock & Hardware
Happy Home Lock & Hardware reimburses Buyers for installing new door locks, making key copies, and/or re-keying their home.
HOW IT WORKS
1. REQUEST
If you’re a Buyer, log in to your account (2-10.com/homeowner) to verify your contact information and initiate the Happy Home Lock & Hardware process within 45 days after closing. No Service Fee required! Happy Home Lock & Hardware is available only via Homeowner Portal and may only be used once.*
2. PURCHASE
Purchase new door locks, make key copies, and/or re-key exterior locks and hardware for your home within 45 days after closing.
3. SUBMIT
Submit your paid invoice(s) and/or receipt(s) to 2-10 HBW within 45 days after closing. Following the process instructions that 2-10 HBW emailed to the primary homeowner’s email address, upload your invoice(s) or receipt(s).
4. RECEIVE REIMBURSEMENT
We send you a reimbursement check for your eligible expenses, up to $100! Now you know who has access to your home, and you get money back for protecting yourself!
*All eligible Happy Home Lock & Hardware expenses must be submitted for reimbursement within 45 days after closing to qualify. This program is not applicable on Seller coverage or renewals.
for less than $1/day1
Your electronics need you as much as you need them. 2-10 HBW works with Asurion to give you access to protection for your home electronics that’s convenient and less than $1/day! To start your protection, visit: 2-10.com/Asurion
1. A covered product breaks down.
2. Asurion repairs it, replaces it, or reimburses you for it.2
3. You press play on life.
Appliance
Discount Program
The 2-10 HBW Appliance Discount Program gives you exclusive discounts on GE and Whirlpool brand appliances. You can access these discounts at any time during the Term of your Agreement at 2-10.com/homeowner
Appliance Replacement Offer
When an appliance fails, you have 2 options: 1) You can request Service under this Agreement, or 2) you can use 2-10 HBW’s Appliance Replacement Offer. If you use the Appliance Replacement Offer, you won’t pay a Service Fee. Instead, you can request reimbursement of up to $150 to replace the appliance in lieu of a Service request. You must purchase and install a new appliance to qualify. Then, submit your paid receipt to us using the instructions we’ll email to the primary homeowner.
1 Enrollment cost is $24.99/month, plus tax. A low service fee of $0, $49, or $99, plus tax, applies to each approved claim.
2 Limitations and exclusions apply. See Terms and Conditions for complete plan details. All eligible products are covered for mechanical or electrical breakdowns caused by manufacturer defects; power surge; normal wear and tear; or dust, heat, and humidity. Most eligible portable devices are also covered for Accidental Damage from Handling, including drops, spills, and cracked screens. Visit 2-10.com/Asurion and serviced exclusively by Asurion. The Asurion and Asurion
Heating
SELSIMSUP
Up to two (2) systems
Centrally ducted gas, electric, oil, or gravity heating systems
Steam, hydronic, or hot water heat systems
Geothermal and water source systems
Thermostats - ALL TYPES
and return when necessary to effect a covered repair
Interior gas supply lines
SEER matching: upgrades when necessary to maintain compatibility and compliance with federal standards
Built-in heat lamps
Crane cost
Correction of improper when necessary to effect a covered repair
Haul away/disposal fees
Items under manufacturer’s warranty
Excluded Items
Underground piping and well pumps for geothermal and/or water source systems; highenergy management systems; registers; grills; aforementioned Item and/or system.
Dollar Limits
Cost to diagnose, repair, and/or replace:
Steam, hot water heat, or hydronic systems ........ $1,500
Geothermal and water source systems ................ $1,500
Concrete encased or concealed plenum ...............$500 Interior gas supply lines ................................................$500
Crane costs......................................................................$500
Air Conditioner and Heat Pump
SELSIMSUP
Purchase required for Seller Coverage: $50 Up to two (2) systems
Centrally ducted refrigeration systems and associated heat pumps
Geothermal and water source systems
Evaporative coolers and built-in electric wall units
Thermostats - ALL TYPES
return when necessary to effect a covered repair
SEER matching: upgrades when necessary to maintain compatibility and compliance with federal standards
Unlimited refrigerant recharging Window units
Unlimited refrigerant recovery
Condensing unit pads and package unit pads
Electrical cut-off switches
Crane cost
Correction of improper when necessary to effect a covered repair
Haul away/disposal fees
Items under manufacturer’s warranty
Excluded Items
Geothermal underground piping; well pumps; mini-split systems; high-velocity systems; any type of gas system; freestanding units; water towers;
drain lines; zone control and energy management systems; whole house fans; roof jacks; registers; aforementioned Item and/or system.
Dollar Limits
Cost to diagnose, repair, and/or replace:
Geothermal and water source systems ................ $1,500
Water cooled air conditioners and hydronic systems ........................................................ $1,500
Concrete encased or concealed plenum ...............$500
Refrigerant lines..............................................................$500 Crane costs......................................................................$500
Additional Supreme Items
Appliances
SELSIMSUP
Refrigerator with standard ice maker
Appliance Color Match
Built-in microwave
Dishwasher
Garbage disposal
Range, oven, and cooktop
Washer and dryer
Vent hood
Range, oven, cooktop, hood: handles, hinges, clocks, rotisseries, racks, knobs and dials, interior lining, glass/ceramic cooktops, self-cleaning mechanisms, and latch assemblies
Kitchen refrigerator: handles, hinges, ice crusher, ice dispenser, water dispenser, and respective equipment
Built-in microwave: handles, hinges, interior lining, clocks, shelves, turntable platforms, and rollers
Dishwasher: handles, hinges, racks, baskets, rollers, tub and interior lining, springs, latch assemblies, and soap dispensers
Haul away/disposal fees
Items under manufacturer’s warranty
Excluded Items
Commercial grade. Appliances not located in the primary kitchen; any duplicate appliance; built-in refrigerator; specialty-shape ice makers; stand-alone ice maker, second ice maker; stand-alone freezer; trash compactor; portable or countertop microwave; meat probe assembly; door glass; sensi-heat burner for range, oven, or cooktop (are covered, but only replaced with standard burner); multimedia center, including technology convenience items like LCD screens, Wi-Fi, clocks, and cameras; racks; hinges; shelves; interior thermal shells; trim kits; microwave rotisseries; vent hood; exhaust fans; any gas supply line; air fryer function; and food spoilage. All Components of each aforementioned Item.
Dollar Limits
Cost to diagnose, repair, and/or replace: Per covered appliance ............................................ $3,000
Gas and electric water heaters: tankless, power, and direct vent units
Water heater interior gas supply lines
Water, drain, waste, and vent pipe leaks or breaks
Polybutylene and PEX manifold plumbing system
Toilet tank, bowl, tank assembly
Drain line stoppages that can be cleared with a standard sewer cable
Primary, permanently installed sump pumps used for ground water
Pressure regulators
Valves: shower, tub, diverter, risers, angle stops, and gate valves
Interior hose bibbs
Built-in bathtub whirlpool motor and pump assemblies
Faucets, faucet handles, shower heads, arms, and tub spouts
Exterior hose bibbs
Haul away/disposal fees
Items under manufacturer’s warranty
Excluded Items
Ground-level clean out, pumping, grinder pumps; any pipes or other plumbing items located outside the Serviceable Area; water meters; shower enclosures;
caulking; grouting; performing diagnosis with camera; hydro-jetting; drain line stoppages due to roots or foreign objects; any loss arising out of a condition of mineral or chemical deposits (except water heaters or toilets); water residue or capacity loss arising from porcelain chipping, cracking, dents, or other externally caused physical damages; water heaters: oil hot
venting, and solar equipment. All Components of each aforementioned Item and/or system.
Dollar Limits
Cost to diagnose, repair, and/or replace:
Water heater .............................................................. $1,250
Polybutylene piping and PEX Manifold plumbing system ........................................................ $1,000
Concrete encased or concealed water, gas, drain, waste, vent piping; leaks and breaks in the plumbing system .............................................................................. $500
Toilet replacement, in the event of sediment/calcium build up; per toilet ........................................................ $300
Faucet and faucet handles for sinks, shower heads, or tub spouts for kitchens and baths; per faucet set .................................................................. $200
Electrical SELSIMSUP
Electrical wiring
Switches, outlets, and panels
Doorbell system
Fire alarm systems
Telephone wiring
Attic and bathroom exhaust fans
Garage door opener – all parts and components for up to three units
Garage door hinges, springs, remote sending units
Central vacuum
Burglar alarm system
Haul away/disposal fees
Items under manufacturer’s warranty
Excluded Items
Whole house fans, data wiring, meter boxes, electronics or computerized energy management
management systems. Central vacuum system ductwork and accessories. Any wiring or other electrical items located outside the perimeter of the principal dwelling and attached garage, any loss due to water seepage along service cable. Belts, shutters, and
garage door track/rail assembly, rollers, or physical damage. Doorbells that are part of intercom systems. All Components of each aforementioned Item and/or system.
Dollar Limits
Cost to diagnose, repair, and/or replace:
Concrete encased or concealed wiring ................. $500 Central vacuum ............................................................ $500
Establish a record of coverage during the listing period. In advance of closing, present the Service Agreement for consideration to all parties in the transaction.
• Protect your transaction against unexpected breakdowns
• Manage your risk by reducing liabilities during listing
• Provide peace of mind to potential Buyers
• Add value to your Buyer’s offer by offering complimentary Seller coverage
What's covered
Seller coverage is for the listing period and begins immediately upon enrollment. Coverage is for a term of 180 days, until close of sale, or until the listing is canceled,
Conditioning and Heat Pump
Seller Purchase required for coverage during the listing period - $50
Additional Buyer Options
We understand the needs of every home and homeowner are different. That’s why we offer additional Buyer options, so you can get the coverage that’s right for you.
Additional Refrigeration: Refrigerator, Built-In Wine Cooler, Freestanding Freezer, or Wet Bar Refrigerator (each sold separately)
$50 each
All Components that affect the cooling operation of the compressor, thermostat, condenser coil, evaporator, and defrost system for one (1) unit.
Excluded Items: Refrigerators with more than one compressor; wet bar refrigerators over 16 cubic feet; built-in wine coolers over 30-bottle capacity; multimedia center, including technology convenience items like LCD screens, Wi-Fi, clocks, and cameras; racks; hinges; shelves; doors; glides; slides; glass interior thermal shells; and food spoilage. All Components of each aforementioned Item and/or system.
Dollar Limits: Cost to diagnose, repair and/or replace (per unit) - $500.
Washer and Dryer (included in Supreme)
$65
All Components except those excluded. Excluded Items: Damage to clothing; plastic mini-tub; screen; door glass; multimedia center, including technology convenience items like LCD screens, Wi-Fi, clocks, and cameras.
Dollar Limit: Cost to diagnose, repair, and/or replaceWasher - $1,000. Dryer - $1,000.
Plus
$85
Built-in refrigerator. Replace the $3,000 per Appliance Dollar Limit. Replace the $1,250 water heater limit. Replace the $500 concrete encased or concealed limit. Replace the $250 limits on corrections to code violations, permits, and
Excluded Items: All other coverage exclusions except built-in refrigerator.
Dollar Limits: Cost to diagnose, repair, and/or replace - Built-in refrigerator $3,000; refrigerator - $5,000; builtin microwave - $5,000; dishwasher - $5,000; range/ oven/cooktop - $5,000; water heater - $2,000; concrete encased or concealed: plenum - $1,000, plumbing, - $1,000, electrical lines - $1,000; corrections when necessary to effect a covered repair: code violations - $350,
Roof Leak $100
Water leaks that occur in the roof located over the Serviceable Area, provided the leaks are the result of normal wear and deterioration, and the roof was watertight and in good condition at the Effective Date of coverage. Flashing. Excluded Items: Gutters; chimneys; vent and drain lines; roof-mounted installations; leaks over any deck or balcony; leaks that result from or are caused by any of the following: missing and/or broken shingles or tiles, damage due to persons walking or standing on the roof, construction or repairs not performed in a workmanlike manner, failure to perform normal roof maintenance.
Dollar Limits: Cost to diagnose, repair, and/or replace - $1,000.
Pool/Spa Freshwater Equipment
$180 each
All Components of the heating, pumping, pool-sweep
whirlpool is also covered along with a swimming pool if the units utilize common equipment. If they do not utilize common equipment, an additional fee is required to cover the second set of equipment.
Excluded Items: Cleaning equipment, including pop-up heads, turbo valves, creepy crawlers, and the like; skimmers; lights; jets; liners; concrete-encased or underground electrical, plumbing, or gas lines; structural defects; any damage caused by a structural defect; solar equipment; chlorinators; sanitizing system; heat pump; remote control panel switches and booster pumps for water features; energy management systems; water chemistry
media; valve actuator motor and all pool/spa equipment for a saltwater swimming pool or spa, unless that option is purchased. All Components of each aforementioned Item and/or system.
Dollar Limits: Cost to diagnose, repair, and/or replace - $1,000.
Pool/Spa Saltwater Equipment
$355
All Covered Items listed under Pool/Spa Freshwater Equipment, as well as saltwater cell and circuit board.
Excluded Items: All Items and Components listed as excluded under Pool/Spa Freshwater Equipment; salt; panel box; remote controls and dials.
Dollar Limits: Cost to diagnose, repair, and/or replace - $1,000.
Extended Pipe Leak
$60
External pipe leaks, exterior hose bibbs, and main shutoff valve located outside the foundation of the Home. Water and drain lines between the Serviceable Area and city/ county/utility-owned line.
Excluded Items: Faucets; sprinkler systems; swimming pool/built-in pool piping; downspout; landscape drain lines; Failure due to freeze; city/county shut off valve; drain line stoppages/damage due to roots or foreign objects.
Dollar Limits: Cost to diagnose, repair, and/or replace - $1,000.
Septic System
$50
Septic tank, both ejector pump and line from Serviceable Area to septic tank.
Excluded Items:
grinder pumps.
Dollar Limits: Cost to diagnose, repair, and/or replace - $500.
Well Pump
$75
All Components of well pump if utilized for primary dwelling.
Excluded Items: Well casing; pressure tank; piping or electrical lines leading to or connecting pressure tank and Serviceable Area; holding or storage tanks; re-drilling of well; system/parts utilized for lawn sprinkler systems and a well pump that is a part of an HVAC system
Dollar Limits: Cost to diagnose, repair, and/or replace - $500.
Pre-Season HVAC Tune-Up
$50
You may contact us to request a tune-up of your Home’s heating and air conditioning system in February/March (“Spring”) or October/November (“Fall”). The tune-up is limited to no more than two (2) systems. A system is considered one (1) heating unit and one (1) air conditioning unit. An appointment must be requested during the Spring or Fall window. A Service Fee for each system will be due to the Contractor. No additional Service Fee is due for eligible repairs and replacements performed by the Contractor as a result of the tune-up. The Contractor may provide you with the following service elements: check thermostat operation and calibrate if necessary and possible; basic hose wash of leaves and debris off condensing coil; inspect condenser fan and fan blades for stability and damage; inspect service disconnect and fuses; check amperage draw of condenser motor and compressor; check crankcase heater operation for heat pumps; check refrigerant levels and system pressures; check contactors and capacitors; check belts and pulleys, adjust when necessary and possible; general inspection of system
lines and drain pans for leaks or stoppages (additional repair charges apply for rerouting); check motor bearings and wheel, lubricate motors and other moving parts when necessary and possible; test temperature rise and drop for heating and cooling; check general heating operation; test defrost cycle (heating); check gas pressure (furnace); visual inspection of furnace chambers/heat exchanger; check and if necessary clean burners; visual inspection of accessible
inspect pilot system; check controls and safeties on furnace; inspect accessible indoor and outdoor coils for restrictions
tears/leaks; test for carbon monoxide when accessible and applicable.
Excluded Items: Clearing of stoppages to condensate
cleaning or unclogging services of the evaporator/indoor coil and/or condensing coil.
Dollar Limits: Cost to diagnose, repair, and/or replaceSubject to all other limits stated in this Agreement, including those of any selected options and the Total Limit of $25,000.
Mini-Split HVAC System
$200 each
All Components that affect essential heating/cooling operation of one (1) permanently mounted mini-split HVAC system up to a 5 Ton or 60,000 BTU capacity. One (1) straight cool or heat pump condensing unit with associated air handlers, refrigerant lines, and electrical lines.
Excluded Items: Freestanding or window units. Units located in the garage. All components of zone control and energy management systems. Mounting hardware or stands, ductwork, condensate drain lines, Wi-Fi or remote controls, and decorative screens or enclosures.
Dollar Limits: Cost to diagnose, repair, and/or replace$1,250.
Who, what, when and how?
When does my coverage begin?
Coverage begins on the Effective Date and ends on the Expiration Date, both shown on the front of this Agreement (the “Term”). If the Term is longer than one year, each Dollar Limit and the Total Limit will reset on each anniversary of the Effective Date during the Term. We are only obligated to provide Service upon receipt of payment of the total cost shown on the front of this Agreement (the “Price”). Your Agreement with coverage details will be sent to your mailing address, or electronically, if “Go Green” is selected
What is Covered?
We refer to residential systems and appliances as “Items.”
To be a “Covered Item” eligible for Service, the Item must be within the main foundation of the Home and attached garage
coverage, and in good and safe working condition as of the Effective Date (unless a defect could not have been detected by a visual inspection or simple mechanical test). HVAC equipment located outside the Home is also covered, as well as other a particular Item as covered. We provide Service for Covered Items that fail due to normal wear and tear (a “Failure”). Only nonmobile, habitable, residential structures with a Serviceable Area under 10,000 sq. ft. are eligible for Service, and coverage for Serviceable Areas greater than 5,000 sq. ft. is subject to an additional fee. We will not provide Service in a commercial property or residence being used for business purposes (e.g., short-term rentals, bed and breakfasts, care centers, group homes, fraternity/ sorority houses, hair salons, and schools). If your Home is within a multiunit building, Service is limited
What is the Service that 2-10 HBW provides?
2-10 HBW works with Contractors to reduce your unexpected costs related to repairing a Failure of a Covered Item (the “Service”). Service begins when you notify us of a possible Failure via 2-10.com/homeowner or by calling 800.775.4736. We will dispatch a Service Contractor to your Home to diagnose the Failure and report back to us. We then will determine: 1) whether the Item is a Covered Item; 2) the nature of the Failure;
3) whether repair, replacement, or Payment is appropriate; and 4) which costs are covered under this Agreement and which are your responsibility. We reserve the right to dispatch an additional Contractor at our expense if we need more information to make a coverage determination. If we determine replacement is Item or Component (a “Replacement”) that performs the primary function of the Covered Item or Component being replaced (e.g., a refrigerator cools food and a dishwasher cleans dishes) and that
features, dimensions, style, model, or brand of the Covered Item or Component. Service does not cover any secondary function or any convenience functionality, multi-media, cosmetic detail, or wireless capability, even if it contributes to the primary function, unless explicitly stated in the applicable coverage.
When is Service available?
You can request Service 24 hours a day, 7 days a week during the Term. We will generally assign a Contractor within 48 hours to contact you to schedule a time, Monday through Friday during normal business hours, for diagnosis. If you request a Contractor to visit your Home for a non-emergency situation outside of normal business hours, and the Contractor accommodates your request, you will be responsible for all overtime and additional fees.
Determining an emergency
When we determine it is an emergency, we will attempt to have a Contractor contact you within 24 hours. An emergency
facilities to the entire Home; 2) ongoing physical damage to the Home; or 3) a condition that immediately endangers an individual’s health and safety. However, an emergency does not modify our obligations in this Agreement, and we cannot guarantee immediate Service or coverage in any situation, so you should take reasonable precautions as you normally would in an emergency.
The Service Fee
It is your responsibility to pay a Service Fee directly to the Contractor for each Covered Item (e.g., water heater and pipe leak require separate Service Fees). Each Service Fee is due when the Contractor visits your Home for diagnosis. Please review this
Terms of Service
entire Agreement for additional details about your responsibilities and the scope of the Service, and call 800.775.4736 with any questions.
Who repairs and replaces the Covered Items?
Repairs and replacements are performed by local, independent Contractors. We have pricing arrangements with a network of Contractors across the country (each a “Service Contractor”), which helps us ensure we can provide the Service to you at a reasonable rate. You may also request to use another fully licensed and insured Contractor that we do not have a pricing arrangement with (each “Your Contractor”) to work with us to complete the Service. When we use the term “Contractor,” that means, as applicable, Your Contractor or a Service Contractor.
Contractor. If no Service Contractor is available in your area, we may request that you have Your Contractor contact us to proceed with the Service. You may also request to use Your Contractor if, for example, you do not want to wait for an available appointment with a Service Contractor. However, you will be responsible for the difference in costs between what we would have paid a Service Contractor and the expense of using Your Contractor, including costs related to Your Contractor’s refusal to follow our determination of the appropriate response to a Failure. Regardless of whether we work with Your Contractor or a Service Contractor, we must receive a detailed diagnosis and estimate from the Contractor to determine whether the Failure is eligible for Service. Contractors provide a service to you and are not our agents or employees. Contractors do not have the authority to bind us to any coverage decision through their words or actions, including performing repairs before we are able to review a full diagnosis. When using Your Contractor, we will provide you with separate written instructions on how to proceed (“ONC Instructions”). You will not receive reimbursement and will remain solely responsible for every cost arising from any work, Services, or equipment any Contractor, company, or individual performs or provides without our prior express authorization and in accordance with this Agreement and the ONC Instructions, even for Covered Items that would otherwise be eligible for Service.
Throughout this Agreement we use capitalized terms for where a capitalized term is underlined and in quotations. This Agreement includes the following provisions in addition to those stated on every other page. Section V below contains important
I. Payments. (a) We may, at our sole discretion, offer money to resolve a claim (“Payment”), for example, when: (1) the cost to address a Failure exceeds an applicable Dollar Limit; (2) repairing or replacing a Covered Item would violate laws, regulations, or code; (3) a necessary part, item, material, or chemical (“Component”) or Contractor is not reasonably available, or a Contractor is unable to determine the appropriate Component; or (4) you prefer Payment. (b) Payment will be the lesser of: (1) the lowest quoted amount obtained by us to remedy the Failure received from a local Contractor; (2) the amount we would have paid a Service Contractor to remedy the Failure; (3) our estimated retail amount to remedy the Failure; or (4) the applicable Dollar Limit less the Service Fee and costs incurred to diagnose the Failure. When appropriate, we may issue a portion of the Payment to a Contractor or subject to other requirements or restrictions. Once you accept a Payment, we are no longer responsible for providing Service for the Covered Item under any agreement unless you provide acceptable proof of repair or replacement. At our sole discretion, we may offer a Replacement appliance of equal value to the Payment.
II. Additional Responsibilities. You agree to: advise us if your Serviceable Area is greater than 5,000 sq. ft.;
reasonably clean and maintain Covered Items; not harm/ damage a Covered Item or Component; provide a safe working environment for Contractors; not damage property of a Contractor; and not threaten/harm us or a Contractor via phone, email, personal interaction, internet, social media, or otherwise.
III. Non-Covered Costs. (a) Addressing a Failure may involve work, parts, systems, equipment, or materials that are outside the scope of the Service (“Excluded Work”), for example: (1) work related to non-Covered Items; (2) the incompatibility of existing systems or appliances with a Replacement; Service; or (4) providing chemicals or materials needed by a Replacement to perform its primary function, for example differences in technology, are responsible for all costs arising from Excluded Work or otherwise stated as your responsibility (“Non-Covered Costs”). Unless expressly stated as our obligation herein, Non-Covered Costs include costs related to: (1) permits, codes, ordinances, laws, and/or regulations (for your protection, we will not authorize Service until you provide us are obtained); (2) accessing Covered Items; (3) correcting, repairing, or replacing a Covered Item and/or Components because of inadequate capacity, manufacturer’s recall, improper design,
improper installation, previous repair, or problems of federal, state, or local governments, including upgrade or equipment matching requirements and tariffs (and all fees, costs, and surcharges passed along or charged to us by our suppliers and Service Contractors related thereto); (5) any service on a Covered Item initiated before the Effective Date; (6) disposing of hazardous materials such as refrigeration Components, capacitors, and water heaters; (7) a material increase in third-party charges for labor, Components, or Items as a result of tariffs, severe or unseasonable weather, extreme temperatures, or other abnormal atmospheric diagnostic testing of ductwork. Non-Covered Costs will be billed directly to you. If you refuse to accept any Non-Covered Costs, we have no obligation to perform Service and will not refund the Service Fee.
IV. Exclusions; Liability Limits. (a) We have no obligation to provide Service if: (1) a Failure is caused by anything other than normal wear and tear (whether acting alone or together with another cause) including: a Failure of another Covered Item or Component, failure to perform routine maintenance, extreme or gross neglect, misuse, abuse, missing parts, movement of your Home,
Terms of Service Continued
mud, earthquake, storms, accidents, pests, animals, microorganisms, plants, contamination, or chemical interactions; (2) a Covered Item is grade; (3) an HVAC unit has a capacity greater than in this Agreement. (b) Our Service is secondary and excess to any other coverage available to you via an insurance policy, manufacturer warranty and/ or labor warranty. The presence of such coverage respective coverage provider. You agree to waive any right or recovery of claims by anyone claiming through you, by way of subrogation or otherwise, including any insurers. (c) Each Item or Component listed as Covered in a particular coverage is excluded from each other coverage, unless explicitly stated otherwise therein. (d) Express Warranty: The Service will be provided with the same reasonable degree of care customarily provided within the home service industry. If this express warranty is breached, then we shall, at our option, reperform the Service or refund the Price. (e) EXCEPT AS EXPRESSLY PROVIDED HEREIN, ALL WARRANTIES WITH RESPECT TO SERVICE OR THIS AGREEMENT, WHETHER EXPRESS OR IMPLIED, ARISING BY LAW, CUSTOM, ORAL, OR WRITTEN STATEMENTS BY US, OUR AGENTS, OR SERVICE CONTRACTORS, OR OTHERWISE (INCLUDING ANY WARRANTY OF MERCHANTABILITY, SATISFACTION, OR FITNESS FOR PARTICULAR PURPOSE) ARE EXCLUDED AND DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW. IF AN IMPLIED WARRANTY CANNOT BE EXCLUDED BY APPLICABLE LAW, SUCH WARRANTY IS LIMITED IN DURATION TO THE GREATER OF 1 YEAR OR THE SHORTEST DURATION ALLOWED BY APPLICABLE LAW. YOU MAY HAVE OTHER RIGHTS THAT VARY AMONG JURISDICTIONS. (f) IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND SUFFERED BY YOU OR ANY THIRD PARTY, FOR EXAMPLE, LOST PROFITS, BUSINESS INTERRUPTIONS, TENANT DEMANDS, OR OTHER ECONOMIC LOSS RELATED TO THIS AGREEMENT OR THE SERVICE. WE SHALL NOT BE LIABLE FOR ANY DAMAGES RELATED TO (1) COST OF PROCUREMENT OF SUBSTITUTE SERVICE; (2) ANY LOSSES, LIABILITIES, OR CLAIMS INCURRED OR ARISING IN CONNECTION WITH THE USE OR PROVISION BY YOU OF SERVICE; OR (3) THE ACTS OR OMISSIONS OF YOU OR YOUR AGENTS, INSURERS, OR CONTRACTORS. (g) DURING EACH ONE-YEAR PERIOD OF THE TERM, THE TOTAL AGGREGATE LIABILITY OF US, OUR PARENTS AND AFFILIATES, AND THE RESPECTIVE OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUBCONTRACTORS, AND ASSIGNS THEREOF FOR ANY AND ALL COSTS, DAMAGES, FINES, LIABILITIES, LOSSES, PENALTIES, ATTORNEY FEES, WITNESS FEES, AND OTHER EXPENSES INCURRED BY YOU ARISING OUT OF OR RELATED TO THIS AGREEMENT WILL NOT EXCEED $25,000 (the “Total Limit”). THE EXISTENCE OF ONE OR MORE CLAIMS OF ANY KIND(S) IN ANY FORUM(S) WILL NOT ENLARGE THE FOREGOING LIMITS. (h) WHERE ANY COVERAGE OR PORTION THEREOF IS ACCOMPANIED BY A SPECIFIED MAXIMUM (the “Dollar Limit”), THAT DOLLAR LIMIT IS A CAP ON AMOUNTS WE PAY IN CONNECTION WITH THAT COVERAGE OR PORTION THEREOF DURING EACH ONE-YEAR PERIOD OF THE TERM, AND DOES NOT EXPAND OR ENLARGE THE TOTAL LIMIT OR ANY OTHER DOLLAR LIMIT. (i) THE WAIVERS, EXCLUSIONS, AND LIMITATIONS SET FORTH IN THIS AGREEMENT SHALL: APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE; BE INDEPENDENT OF AND SURVIVE THE TERMINATION OR EXPIRATION OF THIS AGREEMENT OR ANY FAILURE OF THE ESSENTIAL PURPOSE OF ANY WARRANTY OR EXCLUSIVE OR LIMITED REMEDY STATED HEREIN; AND APPLY EVEN
IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
V. Arbitration Contract. (a) Arbitration Contract (the “Contract”): You and we agree that any complaint, controversy, or dispute arising out of or relating to this Agreement, the breach of this Agreement, or the Service (a “Complaint”) shall exclusively be resolved by binding arbitration and not by a judge or jury. The arbitration shall be conducted by Arbitration Resolution Services, Inc. (“ARS”), and you and we agree to be bound by the applicable rules of ARS, which can be found at arbresolutions.com. If ARS is not available and you and we are unable to agree on an alternative arbitration service, either may petition the American Arbitration Association (“AAA”) to appoint a single arbitrator to conduct the arbitration under AAA’s then-current commercial or consumer rules, as applicable. This Contract covers disputes based upon contract, tort, consumer rights, fraud, and other intentional torts, negligence, constitution, statute, regulation, ordinance, common law, and equity. A demand for arbitration shall be made within a reasonable time after the Complaint has arisen but in no event after the applicable statute of limitations. The arbitrator shall not have the authority to render any decision contrary to this Agreement, including any of the limits or exclusions stated herein. The decision of the arbitrator shall
any court of competent jurisdiction. This Contract involves and concerns interstate commerce and shall be governed by the Federal Arbitration Act (9 U.S.C. § 1, et seq.) to the exclusion of any other inconsistent law, ordinance, or judicial rule. This Contract is self-executing. Any disputes concerning the scope, interpretation, or enforceability of this Contract, including its revocability or voidability for any cause, the scope of arbitral issues, and any defense based upon waiver, estoppel, or laches shall be decided by the arbitrator. The party initiating arbitration rules of the arbitration service with all additional arbitration fees allocated to you and us as provided in the rules of the arbitration service, subject to the arbitrator’s discretion to reallocate arbitration fees in the interests of justice. The prevailing party in any court action brought for the enforcement or interpretation of this Contract shall be entitled to receive from the losing party a reasonable sum for its attorneys’ fees and costs, in addition to any other relief to which it may be entitled. (b) Class Action Waiver: You hereby agree that you will only bring a Complaint in your individual capacity, and not as a plaintiff or class member in any purported class, multiple plaintiff, collective, representative, or similar proceeding (each a “Class Action”). You expressly agree to not maintain any Class Action in any forum. Instead, you agree to have each and every Complaint decided individually through arbitration. Complaints cannot be consolidated in arbitration unless all parties jointly agree in writing.
VI. Ending This Agreement. (a) You may cancel this Agreement by calling 855.280.1320. (b) We may cancel this Agreement upon notice to you if we conclude: (1) you made a material misrepresentation concerning this Agreement or the Service; (2) you failed to pay any amount due; (3) you breached any of your responsibilities herein and failed to or are unable to cure such breach; or (4) a change in regulations obligations. (c) If the Agreement is canceled, you remain liable to each Contractor for any outstanding expenses that are your responsibility under this Agreement. (d) Unless otherwise provided in Section IX for your state, (1) a $75 administrative fee applies to cancelation and (2) based on the date cancellation takes effect, you will receive a pro rata refund of the Price paid, less our claims expense and any fees you owe, unless our claims expense plus any fees you owe exceed the Price, in which case you will remain liable to us for the full Price. (e) If you provide us with a credit card for installment payments or renewals, you hereby explicitly authorize us to charge any amounts due to us to that credit card, including renewal fees if you consented to or requested to have this Agreement automatically renew. (f) Upon advance notice to you, we may adjust pricing, terms, and/or coverage for the renewal of this Agreement, which will take effect at the end of the current Term.
VII. Miscellaneous. At our discretion, you may pay the Price in installments, which may be subject to a processing fee not to exceed 10% of the Price. The language of the Agreement shall be construed simply, as a whole, and in accordance with its fair meaning, and in the event of an ambiguity or dispute, not for can alter any aspect of this Agreement. No action or inaction by any party shall be deemed a waiver, consent, or admission by 2-10 HBW. The words “without limitation” are deemed to follow the words “include” or “including.” All headings are solely for convenience. If any provision of the Agreement is held to be invalid, illegal, or otherwise unenforceable, it shall, to the extent possible, be enforced consistently with the stated intention of you and us, or, if incapable of such enforcement, stricken from this Agreement, and all other provisions shall remain in full force and effect. If the Class Action Waiver is unenforceable, and not reversed on appeal, Section V (b) shall be void in its entirety. If a court determines a public injunctive relief claim may proceed despite the Class Action Waiver, and that determination is not reversed on appeal, the public injunctive relief claim will be decided by a court, any individual claims will be arbitrated, and the parties agree to stay the public injunctive relief claim
in connection with this Agreement. The Price of this Agreement is valued at 94% for all real property items and services and at 6% for all personal property items and services. You may only transfer this Agreement if you sell your Home. You hereby provide your consent for us and our agents to call, text, email, and otherwise contact you to perform Service, and to send you advertisements or telemarketing messages concerning our third-party partners (though you may opt out per applicable law). Contractors may substitute environmentally friendly or alternative refrigerants in place of existing refrigerants that have been phased out or banned by a governmental authority. We will endeavor to have the Contractor substitute a new refrigerant by more than 10%. If you refuse to allow the conversion to a new refrigerant, all costs associated with continuing to use the existing refrigerant, including completing Service at that time, will be Non-Covered Costs. Contractors may use non-original equipment manufacturer and/or refurbished Components when performing a repair or replacement. You may be eligible for offers of special programs, perks, and discounts in connection with this Agreement; unless explicitly stated otherwise, each such offer is governed by this Agreement, including all relevant terms, conditions, and limitations stated herein. If a third party’s actions gave rise to or increased the costs of a repair, replacement, or Payment, then you agree to use reasonable efforts to work with us, at our cost, to help us recover such costs from the third party.
VIII. Force Majeure. We are not liable for any delay in or failure to perform Service due to conditions beyond our control and/or that of a Contractor, for example: shortages of or delays in obtaining parts or equipment; manufacturer-established Contractor or Component restrictions; weather; labor
scheduling Contractors, including due to service demands attributable to weather, regional temperatures, or abnormal atmospheric conditions.
IX. Disclosures & State Amendments. (a) The provider/ obligor (“2-10 Home Buyers Warranty,” “2-10 HBW,” “we,” “us,” and “our”) for this Service Agreement (also the “Agreement”) is Home Buyers Resale Warranty Corporation. The Agreement is between us and the owner(s) (“you” and “your”) of the home covered by this Agreement (“Home”). Our obligations under this Agreement are backed by full faith and credit of us and are not guaranteed under an Agreement Reimbursement Insurance Policy. (b) OR Residents: License #: 202003. WA Residents: You may cancel and void this Agreement within 20 days from the Effective Date and receive a full refund of the Price if no claims have been paid and you are the original purchaser of this Agreement. A 10% penalty per month shall be added to a refund that is not paid within 30 days after the cancellation of the Agreement.
Enroll now
SELECT YOUR COVERAGE
or multi year pricing multiple units guest omes or omes over s uare feet call for a uote.
Seller Coverage Seller Service Fee $90
$50 eller and eat ump option
Buyer Coverage w/$90 Service Fee
Simple Coverage
$579 / $53 ingle amily
$559 / $51 ondo Duple o n ome (per unit)
Supreme Coverage
$639 / $58 ingle amily
$619 / $56 ondo Duple o n ome (per unit)
New construction w/$90 Service Fee
Buyer pricing is shown for one year of coverage, either prepaid in full or monthly installments.* Monthly payments available for Buyer only.
NEW MONTHLY
PAYMENTS!
vailable in Portal.
3 years of systems and appliances protection. Complements 2-10 HBW structural warranty.
$550 imple $750 upreme
Begin at closing Begin 1 year after closing
Additional Buyer options
May be purchased up to 30 days after closing. Pricing is shown per year and monthly.
$50 / $4.56 dditional efrigerator Built n ine ooler reestanding ree er or et Bar efrigerator (sold separately)
$65 / $5.93 as er and Dryer (included in upreme)
$85 / $7.76 Plus
$180 / $16.43 Pool pa res ater
$355 / $32.39 Pool pa alt ater
$180 / $16.43 dditional Pool pa
$200 / $18.25 Mini plit ystem
$50 / $4.56
$60 / $5.48 tended Pipe ea
$75 / $6.84 ell Pump
$100 / $9.13 oof ea
$50 / $4.56 ervice ee Buy Do n to
Totals
ervice greement eller and eat Pump option Buyer option(s) $ Total due*
*Sales tax may apply. Monthly payments subject to a processing fee of 9.5%.
PROPERTY INFORMATION
Home to be covered Address
Mailing address if different from above:
Home Seller(s) and Buyer(s) information
Seller(s) name Phone Email
Buyer(s) name Phone Email
Go Green - I want to go paperless!
e eive o r on rmation and do nload o r ome arrant ervi e greement electronically. (Be sure to provide email above.)
Agent information
ervice greement being purc ased by: eller Buyer t er
Seller’s agent information
Agent name
Real estate office Phone Email
Buyer’s agent information
Agent name
Real estate office Phone Email
Closing Agency/title company Name Address
Closing date File # Phone Email
e above c arges for t e principal unit and additional units include t e full amount of all fees if any payable to t e real estate bro er and its agents for processing administering and advertising. ayment can be made by c ec or credit card. ayments outside of close of sale are accepted. Mont ly payment cannot be enrolled t roug t e mail and must be enrolled t roug gent ortal or by contacting gent ervices.
M B : Home Buyers Resale Warranty Corporation, PO Box 952848, St. Louis, MO 63195-2848
COVERAGE AGREEMENT
I agree to purchase coverage or accept coverage purchased on my behalf.
I decline coverage and hereby agree to WAIVE all claims against 2-10 HBW, the Broker and/or Agent for potential Failures that could have been covered under this Service Agreement.
eller
By signing above, each party represents that it has read the Home Warranty Service Agreement, and acknowledges that any Service provided hereunder is subject to all terms, conditions, limits, exclusions, and procedures, including that Service will only apply to Covered Items in good and safe working condition on the Effective Date. The Seller further represents that known pre-existing defects have been declared to the Buyer, and that all items for which coverage is provided are in satisfactory operating condition. BOTH PARTIES ACKNOWLEDGE THAT SERVICE UNDER THIS AGREEMENT IS
‘Even If’ Service Fee GuaranteeSM
Happy Home Lock & HardwareSM
Air conditioning and heat pump (up to two systems)
Heating (up to two systems)
Steam or hot-water heat systems
Geothermal and water-source systems
Evaporative coolers & built-in wall units
Thermostats - ALL TYPES
SEER matching
Unlimited refrigerant recharging
Refrigerator with ice maker
Water heaters: gas, electric, & tankless
Gas supply lines to heating systems & water heater
Appliance Color MatchSM
Built-in microwave
Dishwasher
Garbage disposal
Range, oven, cooktop
Plumbing system
Drain line stoppages
Toilet
Sump pump
Interior hose bibbs
Electrical and telephone wiring
Electrical switches, outlets, and panels
Fire alarm system
Attic and bathroom exhaust fans
Garage door openers (up to three)
Heat lamps
Crane cost
Window units
Refrigerant recovery
Condensing/package unit pads
Electrical cut-off switches
Washer and dryer
Vent hood
Baskets, hinges, rotisseries, racks, and rollers
Ice crushers and water dispenser
Glass/ceramic cooktops
Handles and knobs
Rotisseries, racks, and rollers
Built-in bathtub whirlpool motor and pump
Exterior hose bibbs
Faucets, handles, and shower heads
Garage door hinges, springs, and remote units
Central vacuum
Burglar alarm system
Haul away/disposal fees
Items under manufacturer’s warranty
SIMPLESUPREMESELLER
Complimentary* Seller Coverage
Coverage is for the listing period and begins immediately upon enrollment. Coverage is for a term of 180 days, until close of sale, or until the listing is
