Executive Realty
Joe DeChristofaro

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Homebuyers are required in almost every instance to buy a homeowners insurance policy for their desired piece of real estate. This protects the owner and the mortgage lender against losses caused by damage to the property, either from natural disasters or from human-made destruction. One of the main concerns of many homebuyers, however, is how much the insurance will cost. While there is no standard answer, understanding the factors that determine the price can help give buyers a good estimate of their premiums.  



The Size and Type of Home

The price of your premium is partially determined by things like the amount of the home's square footage, age and condition. It is also important to note whether your home has been recently updated or renovated as well as if there have been any additions made to it. All of these aspects will help the insurance company figure out how much it would cost to rebuild your house in case of a disaster. The more expensive the rebuilding costs the more expensive your insurance policy will be.

Fire Protection Accessibility
The closer your home is to a fire hydrant and a local fire station, the more likely your home is to be saved should a fire occur. This means less damage to repair and your insurance costs will be lower if you live close to these fire protecting features.

Regional Disaster Characteristics
If your home is in an area that is particularly prone to hurricanes or tornadoes, your homeowners insurance costs will be higher to account for this increased risk. Remember that earthquake and flood protection are not included in a standard policy. If you need to purchase either of these, you will obviously have to pay higher insurance premiums.

Local Crime Statistics
Since part of a homeowners insurance policy covers the cost of damage or loss of personal property due to theft or vandalism, the local crime rates will be factored into your premium price. A home located in a crime-ridden urban area will certainly mean higher costs than one situated in a quiet, suburban neighborhood.

Policy Extras
There are many nice insurance features that are not necessarily included in a standard policy. These include things like guaranteed replacement cost coverage, inflation guard clauses, and building-to-code endorsements. If you plan on adding any extras to your policy, you should expect to pay higher premiums.


Give me a call, I can refer you to some reputable insurance agents!


Joe DeChristofaro
401-837-1976 - c
joe@joedechristofaro.com

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Location

Executive Realty
1 Richmond Square
Providence, RI 02906
 

What my clients are saying  

Without reservation and to the highest degree, I whole heartedly recommend Joe as a realtor. As a seller, I entered the process a bit weary (having previously encountered realtors who were willing to tell me anything I wanted to hear when I was a buyer years ago). In refreshing contrast, Joe is honest, ethical, patient, and transparent. He is a wealth of knowledge and will advocate for you as his client. There were many roadblocks that arose during the sale of my condo, which Joe was able to expertly navigate.

 

~ Elisabeth E - Downtown Providence

It was my first time buying a house/condo and Joe was beyond helpful in finding the perfect place for me. Once I did, he advised me on what to offer and I trusted his judgement completely. I would use Joe’s services again in a heartbeat.

 

~ John B - West Warwick

About a month a go I reached out to Joe as our first step in finding a home. He immediately set us up with an MLS account that sent us listings that were tailored for exactly what we wanted. He was friendly and extremely accommodating. He encouraged us to look at as many homes as we wanted. He was incredibly knowledgeable, researched all the neighborhoods and was detailed oriented in comparing homes. What I appreciated the most was that he never pressured us to rush into buying anything and was able to guide us when it came to putting offers negotiating for the best price. In the end, we found our perfect home faster than expected and under Joe’s advice we were able to put in an offer that was accepted at $30,000 less than the asking price. With his help and great references, we were even able to close on the house in just over 2 weeks! We couldn’t be happier with the house we bought, the money we saved and everything our realtor Joe did for us to make it all happen. Thank you Joe!!!

 

~ Katherine & Tyler W - North Providence

Joe was incredibly helpful and resourceful when helping me purchase my new home. He went above and beyond to make sure I found the right place at the right price and made sure every detail was to the highest standard. Additionally, Joe is very professional and truly looks out for his clients.

 

~ Ella C - East Side of Providence

Joe has been amazing!. We felt we really had somebody working with and for us. He is the best real state agent!. Particularly working with him from the distance. He made easy every step for us without making us feel stressed through the process. I would recommend him in a heartbeat!

 

~ Marta C - East Side of Providence

I have recently had the best experience with Executive Realty and cannot be more impressed with Joe’s knowledge, enthusiasm, professionalism and dedication. He found the perfect condo in Providence for my daughter and provided us with the most amazing contacts from banks to movers to contractors. Without Joe’s amazing efforts, we would still be searching instead of being ready to move in this week. My friends find it amazing that we visited the condo on November 11 and closed on December 12! In fact, what’s even more amazing is that Joe has followed up with us over the past week to make sure everything is going smoothly with my daughter’s move, our contractor, and the condo unit in general. Executive Realty is on the top of my list and I would be happy to recommend Joe to anyone. Having a realtor who knows his stuff and cares about his clients really matters, and that is why I took the time to acknowledge Joe and his business :)

 

~ Lynne R - Downtown Providence

Joe was extremely attentive and provided an excellent level of service. A true professional, Joe's experience and vast knowledge of the market shined when handling both of our transactions (selling and buying). I would highly recommend Joe to others for their real estate needs.

 

~ Bob & Joy S - Cranston, RI

I would highly recommend Joe DeChristofaro as a realtor. I worked with Joe for several years as I wanted to purchase a home in a specific area. Joe was very patient and accommodating while we searched for the perfect home. Joe gave great recommendations and even helped point out potential issues with the houses we viewed. I had a great experience with Joe and I would recommend him to anyone purchasing or selling a home.

 

~ Dave P - Warwick

Joe is just excellent. His expertise in the field is exceptional and he walked me through the process of buying my first home, step by step. He is extremely humble and disarming, making him a very approachable person and so easy to work with. I never hesitated to call or email and he was readily available. I would recommend him without any hesitation to friends and family.

 

~ Bianca C - Downtown Providence

Joe is an amazing realtor and person! He is knowledgeable, honest and ethical. He helped us from the beginning to find the house we wanted. Even after we bought to house, he still keet in contact with us to make sure everything was okay. And he gave us incredible tips about being a homeowner and a landlord...

 

~ Tiffany & Efe K - West Warwick

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