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Originally Posted by jgbama;3***86
.......Was just wondering, if anything jumped out and bit you upon your arrival. We certainly expect the usual costs with moving into a new place. Just want to avoid a, "oh, by the way, you'll owe another $1,000 for this"!!.......
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Nothing of consequence, John. We had already looked into what all was going to be involved with the closing up-front and nothing at all changed with what we'd found out when we went through the closing process. We had ballpark ideas about what homeowner's insurance was going to run, utilities, etc. There are fees for your mailbox, pro-rated taxes, bond, amenity fee, annual maintenance fee, etc. at closing - again, these were all expected.
I did get a few minor surprises of sorts. Found that:
- State Farm is no longer writing new homeowner's policies in FL. So I had to spent more time than planned finding a company/policy that made sense to me. Also learned about things like hurricane coverage and sinkhole coverage that we don't have to deal with in OH!!
- The home we bought was a resale and has natural gas service. Turns out TECO required a minor deposit up-front - no big deal. Easy enough to get it credited back to the account afterwards - they tell you how.
- If you have a 'personal liability policy' (an umbrella policy) through your insurance company and you get your homeowner's insurance and/of golf cart coverage via other carriers, make sure the underlying coverages on those policies satisfy what's required for them to also fall under your umbrella policy. This actually turned out to be the biggest 'time consumer' I had to deal with in the entire home purchase process. Once everyone got on the same page, it all worked out fine. It did make the cost of insurance for the golf cart go up more than I'd originally anticipated, though. But again, not all that big a deal.
Hope that helps!
Bill
