E 2 POST REGISTER Friday, February 21, 2014

To advertise, call (208) 524-7355 or classifieds@postregister.com ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★
Post Register
Homes under
24 Hours Free Recorded
Call 1-800-218-7936 and
enter code ext# 1137 for
more details and current
price of this home.
Adorable home just 5
minutes from town. This
home comes with a 2 car
detached garage, wood
cabinets and a beautiful
landscaped yard.
Call the hotline for more
details. 1-800-218-7936
ext# 1137
Cute centrally located
home with a metal roof
and large fenced yard. 4
bedrooms and 1 full
refinished bathroom.
Hardwood flooring on
both main and upper
floors, larger bedrooms
with good sized closets.
Home is move in ready
with great personality.
MLS #188158
Call Kerry
This clean home sits on
a HUGE lot surrounded
by beautiful mature trees
& is fully fenced with auto
sprinklers! You’ll be
pleasantly surprised by
the vaulted ceiling &
open floor-plan. It is also
equipped with all major
kitchen appliances & the
washer & dryer are even
negotiable. Bedrooms
are good sized & there
are 2 FULL BATHS! Top it
all off with gas heat &
central air! Nestled at the
back of a quiet cul-de-
sac close to schools. This
is a manufactured home
on a permanent founda-
tion, so it can be financed
as Real Property.
MLS #188015
Call Tina @
24 Hours Free Recorded
Call 1-800-218-7936 and
enter code ext# 1077 for
more details and current
price of this home.
Country home on over
3.8 acres with a 2 car
oversize garage with
shop (25x32). Bring all
your animals and live-
stock to belly high
pasture. Outbuildings
and corrals for the
Call the hotline for more
details. 1-800-218-7936
ext# 1077
Vaulted Ceilings, Custom
Cabinets, Living Rm, 3
Bedrooms, 2 Bath, 2 Car
Garage, Laundry, Walk-in
Closet in Master. New
Ammon Subdivision,
close to schools, 1 Year
Warranty! Only $124,000
Call 208-542-9300
Payments as low as $860
per month!
Finally! This well cared
for vintage home has
maintained its character
over the years, and still
has original features.
From the front door
through the home to the
fenced back yard and
even to the kitchen sink,
this home is special. Bar-
rel ceilings are rarely
seen - but you will find
them here. Every room
has something special.
Two bedrooms and a full
bath on the main floor,
and another bedroom in
the basement. Home also
has hardwood floors.
Basement has plenty of
space to store your per-
sonal belongings. There
is even a family room in
the basement that could
be used for an office or
whatever you might need
for additional space.
Located in Crows Addi-
tion on the numbered
streets, this charming
home is located in a
highly desired location
and is a property worth
checking out!
MLS #188199 $119,900
Call Rick @
377 12th Street
2540 sq. ft. home in
beautiful neighborhood
with 3 bedrooms, 2
baths, Spacious great
room area with custom
kitchen, large dining and
family room, vaulted
ceilings, wood & tile
floors, and a beautiful
master suite with walk-in
closet and master bath.
Ben 208-681-5335
Levi 208-709-7152
Homes $100k
to $125,000
240 Lincoln,
American Falls
The updates in this
home located near the
intermediate and ele-
mentary school will
amaze you. Modern
updated kitchen with
beautiful tile, countertop
range, built in oven, and
lots of cabinet space.
New carpet and wood
floors. Vinyl windows
and a large 2 car garage
with alley entrance.
Call Liz @
All real estate advertising in
this newspaper is subject to
the Fair Housing Act which
makes it illegal to advertise
“any preference limitation or
di scr i mi nat i on based on
race, col or, rel i gi on, sex,
handicap, familial status, or
national origin, or an inten-
tion, to make any such pref-
erence, limitation or discrimi-
nat i on. ” Fami l i al st at us
includes children under the
age of 18 living with parents
or l egal custodi ans; preg-
nant women and peopl e
securing custody of children
under 18.
Thi s newspaper wi l l not
knowingly accept any adver-
tising for real estate which is
in violation of the law. Our
readers are hereby informed
that all dwellings advertised
in this newspaper are avail-
able on an equal opportunity
basi s. To compl ai n of di s-
cri mi nati on cal l HUD Tol l -
free at 1-800-669-9777.
24 Hours Free Recorded
Call 1-800-218-7936 enter
code ext# 1057
for more details and
current price of this
This absolutely beautiful
home is in a quiet West-
side neighborhood. With
an open patio, wood
fencing, established
trees, and flower beds,
you will enjoy being out-
doors. The home has
newer carpet, a new
bathroom down, and
master bedroom with
over-sized closet. Don't
miss out on this great
home. Call the hotline for
more information.
ext# 1057.
Call Sondra Ward
Rigby 1 acre lot
2784 square foot home
with 3 Bedrooms, 2
baths, granite, tile, jetted
tub, master suite, full
unfinished basement.
with private septic and
Office 522-4505
Bryan 241-3091
*Landscaping not
2600 sq. ft. 3 bedroom 2
bath home with large
family room, spacious
kitchen, vaulted ceilings,
large master suite with
walk-in closet and
beautiful master bath with
tile accents, fully
landscaped yard, and full
unfinished basement.
Ben 208-681-5335,
Levi 208-709-7152
Finishing touches being
applied to this quality
home built on a .40 acre
lot in a country
subdivision approxi-
mately 10 miles north of
Idaho Falls. Main floor
approximately 1440
square feet, 3 bedroom,
2 full baths, full base-
ment. Large main floor
laundry/pantry knotty
alder cabinetry, lots of
tile, master has
jetted-tub and walk-in
BONUS: Large 2 car
garage and attached 700
foot insulated shop with
12X12 overhead door!
$189,300. Call Randy @
(208)521-1599 or
522-8898 or email
Vintage 1936 home in the
desirable Crows Addition
with many updates and
modern amenities. Well
cared for home and it
shows throughout. Much
new exterior paint.
Hardwood floors, nice
custom paint inside with
modern colors, wood
sash windows, front
porch trex deck, back
stone patio with hot tub,
fresh landscaping, tool
shed, attached garage,
separate dining area.
Very private and good
sized backyard comes
with a fully automatic
sprinkler system (front
and back) and a paver
patio for outdoor relax-
ation. Very peaceful
neighborhood. This home
is a very nice blend of
retro features and mod-
ern upgrades and is done
well. An alarm system is
also in place and can be
easily transferred.
Schedule a tour today.
MLS #188305
355 13th Street
Call Rick @
Rigby 1 acre lot
2965 Square Feet
Custom home with 3 car
garage, 3 Bedroom, 2
Bath, jetted tub, tile, full
unfinished basement,
granite, with Private
septic and well.
Office 522-4505
Bruce 681-6684
Homes $175k
to $200,000
108 106
Homes $150k
to $175,000
24 Hours Free Recorded
Call 1-800-218-7936 and
enter code ext# 1097 for
more details and current
price of this home.
A magnificent home with
egress windows through-
out the basement.
Call the hotline for more
details. 1-800-218-7936
ext# 1097
Homes $125k
to $150,000
By Eryn Shay Johnson
For the Post Register
Editor’s note: This is the ffth story
in a series covering the home-buying
process. Each week will cover the
steps you can expect to go through
before moving day.
A home is one of the most ex-
pensive purchases you will make
in a lifetime, so it makes sense that
you would want to protect that
purchase from disaster, thef or ac-
One of the best ways to protect
your investment is through home-
owners insurance.
Tose new to the homeown-
er’s club may have some questions
about homeowners insurance and
the process of obtaining it.
“If you have a mortgage they
require it,” said Misty Adams of
Sound Insurance. “[Lenders] al-
ways require insurance at closing.”
Adams has seen frst time home-
owners come through Sound In-
surance for eight years. She has sold
insurance for 22 years.
According to Adams the insur-
ance company will need to know a
few things about the home. What
type of home did you purchase,
what materials were used in con-
struction, what year was it built,
how many square feet, where is the
home located and what is the prop-
erty value? Avoid being caught of
guard by knowing these answers
ahead of time.
Knowing the answers to these
questions can make the process
of obtaining insurance easier. But
knowing the right questions to ask
can make for a better experience.
“Te one thing they always do is
use credit as a reference for insur-
ance,” Adams said. “Each carrier
calculates a letter or number score.
Depending on your score, your in-
surance rates will difer.”
One big tip Adams recommends
to those just starting out is to look
for bundling and package deals.
“Look for a package,” she added.
“Your cost could be 10-25 percent
less if you package it together.”
Some features of the home can
increase insurance rates; wood
stoves, how far the home is from
the fre department or fre hydrant
and even dogs.
“Tat’s one of the frst questions
we ask,” said Adams. “Do you have
animals? Aggressive dogs are the
only ones they [deem] unacceptable.”
According to Rod Tieken, own-
er of Falls Insurance, liability is the
biggest concern frst time couples
generally have. Liability is the big
one because young couples don’t
usually have a large amount of fur-
niture or special fxtures.
Insurance companies generally
break up coverage into four areas;
coverage A which covers the home,
coverage B that covers outbuild-
ings, C which covers the contents
of the home and D coverage that
covers any additional costs.
“Te problem that most buyers
are going to have is the cost,” Tiek-
en said. “Tey bought the house for
$70,000, but they have to have it
covered for $100,000.”
“Te bank is the one holding the
bag and that frustrates people,” he
added. “Most of it is a bank issue.”
First time buyers ofen take a
loan out to purchase a home so the
insurance is not only in their best
interest but in the bank’s as well.
Tieken and Adams both claim that
there are limitations on home own-
ers insurance that frst time buyers
are unaware of. How much the insur-
ance covers for thef of collectible, ex-
pensive items and even gifs are items
that buyers ofen miss.
“Let’s say a young man has a
gun his father bought him,” Tieken
said as an example. “Te insurance
only covers $1,000 when the gun is
worth $5,000 if that gun is stolen.
If the home burns down the whole
amount is covered.”
Because most companies do a
credit check Tieken warns against
the number of credit cards one may
accumulate in their youth.
“Limit your number of cards, get
rid of them, and if you want good
premiums pay of your bills. Pay
your bills on time — they really look
at that, paying consistently late is a
black mark,” he said.
To advertise, call (208) 524-7355 or classifieds@postregister.com ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★
Post Register
Safety net
Homeowners insurance could save you in the future
Homeowners insurance can help cover expenses should disaster strike your home. (Stock photo)
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