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Flood Insurance Premiums for Homeowners

by Kijner & Sons International Realty

As Florida residents are getting ready for the 2012 Hurricane Season, Kijner & Sons International Realty would like to share some valuable information with you about Flood Insurance Premiums available to residential homeowners.

A flood insurance policy covers physical damage to your property (i.e.: the insured building and its foundation, detached garages, electronic appliances, permanent installed fixtures, etc...) as well as personal belongings (i.e.: clothings, valuables, furniture, electronic equipments, etc...). However, some things are not covered in the policy and it is your job to find out if you are well protected. Wether you own a house or a condo, wether your property is located in a moderate-to-low risk flood area or in a high-risk flood area and whether you live in Miami or Sarasota, they are several coverage options to choose from with the help of your insurance agent. 

You also need to know that premiums are calculated based on factors such as:

  • Year of building construction
  • Building occupancy
  • Number of floors
  • The location of its contents
  • Its flood risk (i.e. its flood zone)
  • The location of the lowest floor in relation to the elevation requirement on the flood map (in newer buildings only)
  • The deductible you choose and the amount of building and contents coverage

In a moderate-to-low risk area, most homeowners are eligible for coverage at a preferred rate with the "Preferred Risk Policy Premiums" being the lowest premiums available. In a high-risk area, a standard-rated policy is the only option offering separate buildings and contents coverage. 

To learn more about Flood Insurance Premiums available to homeowners but also renters and business owners, KSI Realty advises you to visit the official site of the National Flood Insurance Program (NFIP) to protect yourself and your property from floods associated with hurricanes, tropical storms or heavy rains. 

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Source:
FloodSmart.gov (The official site of the National Flood Insurance Program) - Residential Coverage for Homeowners

NAR Midyear Legislative Meetings & Trade Expo

by Kijner & Sons International Realty

 

Daniel Kijner, Senior Broker Owner at Kijner & Sons International Realty participated at the recent Realtors® Midyear Meetings & Trade Expo in Washington D.C. This event enables NAR members to take an active role to advance the real estate industry, public policy, and the association by attending for example special issues forums and committee meetings.

This year's legislative activities included a Rally to Protect the American Dream where "an estimated 15,000 Realtors® from every state in the country and invited members of Congress converged on the grounds of the Washington Monument to make their voices heard on behalf of homeowners, real estate investors, and those who aspire to homeownership"*.

 

For all the photos, check KSI Realty's Facebook Page and Album by clicking here.

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Sources:
NAR Midyear Meetings & Trade Expo (Washington, D.C.,14-19 May 2012)

*NAR News Releases, 17 May 2012: Realtors® Raise Awareness at Real Estate Rally

Sarasota Real Estate Market: April 2012 sales hit a new seven-year high

by Kijner & Sons International Realty

Kijner & Sons International Realty is pleased to announce that according to the Sarasota Association of Realtors® (SAR), "April 2012 saw yet another seven-year high for monthly sales, hitting 886 total closed transactions (...), the highest number of sales since August 2005 (...) when there were 908 total sales".

A total of 589 single family homes and 297 condominiums sold with respective median sales prices of $175,000 and $191,750. Pending sales remained high at 1,068 and available inventory of homes on the market dropped to 4,283. There was also a continuous decline in short sales and foreclosures to 621 this past month.

According to SAR President, Laura Benson, you need to buy now as "[t]he decline in the available inventory has been remarkable, and competition for homes and condos generally creates upward price pressure (...) Buyers and potential buyers should understand that the current market scenario is clear - if you wait, you will miss out. We're at a decade low for inventory, the mortgage interest rates are at the lowest level since the 1950s, and Sarasota remains the nation's perfect place to relocate."

To read the full April 2012 SAR Report and get all the statistics, please click here

To learn more about real estate opportunities in the Sarasota area, contact Kijner & Sons International Realty at info@kijner.com.

Koh Samet

by Kijner & Sons International Realty

 

 

Koh Samet is one of the many islands surrounding Thailand and is located off the coastline of the Thai province of Rayong, about 220 kilometers southeast of Bangkok. The island received its name from a tree that is found throughout the island, called the Cajeput Tree, as the Thai word for this tree is samet.

Only a couple hours away from the crazy city of Bangkok, one can go with friends and family to a peaceful getaway island. Lots of local residents from Bangkok, in addition to tourists frequently visit this island, as it is conveniently close by to Bangkok’s financial districts. Arriving to the island is quite easy as one can either go by car, or bus, on a three and a half hour drive, to the small Ban Phe local port. From there one can take a slow hour and a half long cruise to the island or half hour speedboat ride to your destination on the island.

 


The island itself is said to be in the shape of a “t”, where it is about 7 kilometers long and about 4 kilometers wide. Most of the beaches lie along the eastern side with many resorts, hotels and countless restaurants and bars.

One of the most famous beaches along the island is Hat Sai Kaeo, which is literally translated as Crystal Sand Beach. During the day, on any beach, family and friends can participate in countless activities like windsurfing, snorkeling, banana boating, scuba diving, massage, boat trips, fishing, beach sports, and sun tanning. The beaches are filled with night activities as well where family and friends can sit down to a nice dinner while watching fire shows.

If you want to get away from the hustle and bustle of Bangkok, Koh Samet is a great choice! 


 


Sick House Syndrome

by Kijner & Sons International Realty


What Is Sick House Syndrome, and What Causes It?

Sick House Syndrome occurs when a house can’t “breathe” and rid itself of indoor pollutants, resulting in poor indoor air quality – a “sick house”. Inadequate ventilation allows these pollutants to build up, causing potential health risks to the home’s occupants. Young children, the elderly, and some chronically ill persons are most susceptible to the effects of Sick House Syndrome.

Common sources of indoor pollution include tobacco smoke, certain carpeting materials, furnaces and fireplaces, pressed wood cabinets and furniture, and household cleaning products. In addition, a buildup of moisture can cause mold, which can grow uncontrolled inside walls, crawlspaces, and other areas. Mold spores are released into the air and can also travel throughout the home via heating and cooling ductwork.

How Can Indoor Pollution Be Reduced?

Source control is usually the most effective way to improve indoor air quality. In some cases, eliminating the specific sources of indoor pollution – for example, removing carpets, repairing and maintaining faulty furnaces – is all that is necessary.  

For many other offending substances, improving ventilation is a key means of decreasing indoor pollution. These include tobacco smoke, cleaning products, and moisture buildup. Many newer homes are so well insulated and sealed that only a very limited amount of fresh air can get in. In this situation, using attic or window fans, and opening windows when weather permits are easy and inexpensive ways to increase ventilation. Over the years, tobacco smoke can actually be absorbed by walls, floors, and ceilings and may need to be professionally removed.

Asbestos and lead do not normally cause problems if they are undisturbed, but these and other hazardous substances should be analyzed by a qualified professional to determine if sealing, abatement, or removal is warranted. The presence of these materials may also need to be included in disclosure forms when selling a home, so special attention is warranted in these situations. 

Questions, Comments? Contact Kijner & Sons International Realty and its certified Florida Realtors® at info@kijner.com.

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Source: 17th Edition of CRS Chapter Newsletter (May 15, 2012) - CRS-Pillar To Post Partnership

April 2012 eNewsletter Housing Trends

by Kijner & Sons International Realty

We are pleased to share with you the April 2012 Housing Trends eNewsletter. Just click on the following link: http://DKijner.housingtrendsenewsletter.com.

For the Greater Miami Area Market Report, click here.

For the Sarasota Area Market Report, click here

This eNewsletter is filled with local and national real estate and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, consumer videos, blogs, real estate glossary, mortgage rates and calculators, consumers articles, and REALTORS.com local community reports.

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