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Does an insurance policy transfer when buying or selling a home?

I'm buying a home in Boca Raton and figured I'd just take over the seller's homeowners insuranc. is that how it works, or do I have to get my own policy? And I keep hearing flood insurance works differently. Does that transfer?

11 Answers

In AR, Seller didn't disclose a drainage problem and water is flooding into the garage and storage

We purchased a home in Mena, AR in August of 2023. On the Real Estate contract, we asked for a Property Disclosure Statement and the seller signed it, but we didn't receive it. The seller didn't tell us about a major flooding problem with water flooding into our garage and into our storage building. Now we have mold in the storage building, and on our vehicle and items. We texted the seller a while back and asked about the flooding, and he wrote back saying he just swept the water out when it came into the garage, so he was quite aware of it. What can I do at this point?

5 Answers

How can I get help building credit score to get down payment assistance

I need help building credit score tryi

6 Answers

I bought a home at the first of the year and have had septic issues ever since

I suspect that these are known septic tank and field line issues that were never disclosed to me before buying the home

11 Answers

Are there special loan programs for first-time home buyers?

I've heard that there might be certain loan programs or incentives available for first-time buyers that could make purchasing a home more accessible. How do I find out if I qualify for any of these and where should I start my search?

Asked by Pedro | 06-03-2026 | 220 Views | Buying | Updated 4 months ago

15 Answers

I want to purchase some land here in California and I do not want to be told what I can do with my property

I want to be able to do what I want with my property if I want to build something or if I want to just live on it in my RV

8 Answers

What are the common mistakes first-time home buyers make?

I'm new to the home buying process and have heard from friends about some pitfalls and mistakes they made. I'm trying to learn from others' experiences to avoid common errors. What should I be aware of?

18 Answers