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For Home Buyers:
Why Buyers Choose The Fahrner Home Team - Why homebuyers looking for a real estate agent in the O'Fallon, Swansea, Shiloh and Scott Air Force Base area choose The Fahrner Home Team. Latest Listings - Get The Fahrner Home Team's latest O'Fallon, Swansea, Shiloh and Scott Air Force Base listings of homes for sale first! Find Your Perfect Home - The Fahrner Home Team will search for your ideal home and email you the newest O'Fallon, Swansea, Shiloh and Scott Air Force Base MLS listings of properties in St. Clair County IL. First Time Homebuyers - Are you a first time homebuyer in O'Fallon, Swansea, Shiloh and Scott Air Force Base, IL? Choose a top real estate agent. The Fahrner Home Team can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your O'Fallon, Swansea, Shiloh and Scott Air Force Base house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find O'Fallon, Swansea, Shiloh and Scott Air Force Base Homes, For Home Buyers, For Home Sellers, O'Fallon, Swansea, Shiloh and Scott Air Force Base Information, Real Estate Resources, and About The Fahrner Home Team. 
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First Time Buyers >Insuring Your Home
Many home buyers are concerned about whether they have an insurable interest in the property before the actual closing. The answer is an unqualified "yes". Although the buyer is not yet the recorded owner of the property, he or she has an insurable interest in the property as soon as the agreement of sale is executed by both the buyer and seller.
Should you get hazard insurance before the closing? It depends. Buyers do not usually insure a property until the title passes to them from the seller. However, it's wise to know what the agreement between you and the seller stipulates with regard to insurance.
Most agreements state that the property will be insured for a specific amount. This is very important to both parties. From the buyer's point of view, it is also critical that an adequate sum or full replacement value be stipulated. Watch out for agreements which read "as now insured". This is an all-too-common practice which usually indicates that the seller does not to want to increase inadequate insurance coverage.
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| Q |
1992 marked the first year since before the Civil War that there were fewer than 2 million ________ in the United States?
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| A |
There are fewer than 2 million farms, and agricultural land is still being carved up for residential and commercial uses. |
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