Buyers Often Overlook Insurance Costs

first-time buyer
Nesbitt Realty helps first-time home-buyers realize their home-buying dreams.
Insurance is usually the last thing people worry about when they are buying a new home. According to the Insurance Information Institute, that's a mistake, because it will be an expense a buyer will have as long as they own the property. Here are some key issues that the institute urges every buyer to consider:
  • What is the condition of the plumbing and electrical systems? Older and poorly maintained systems cost more to insure.
  • How far is the home from the fire department? A location close to the station usually means lower insurance costs.
  • Does the property meet current building codes? Up-to-date properties are safer and also cheaper to insure.
  • What about wind damage? If insurance against windstorms is required, is private insurance available or will the buyer have to rely on a state-run program? If there a windstorm deductible, how high is it?
  • Is the home vulnerable to flooding? Floods aren’t covered under a standard homeowner policy, although most major insurers will provide it through the National Flood Insurance program. How much the insurance costs depends on where the property is. More information is available at FloodSmart.gov.
  • Is there earthquake risk? Earthquake insurance requires an endorsement or a separate policy.

Home buying in Northern Virginia?

Buуіng a home іѕ an important task that is a realization of a dream for many people. As a home buyer in {Location_Name} will need to walk through a process and overcome hurdles іn оrdеr tо ensure thаt your goals are achieved. At tіmеѕ, hоmе buуіng саn еvеn bе ѕtrеѕѕful. However, іf buy with a Nesbitt Realty agent, we can take the stress out of the process. Our agents know where and how to find the best properties for your needs. Our agents are experienced with deep local connections. And we can save you thousands on your purchase. Connect with Nesbitt Realty to learn more about  your selections in {Location_Name}. [Learn more about buying with Nesbitt Realty]
Search for homes with garagesDo you need a house for your ride? Use this search to find your perfect home with a garage.

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Search for water-oriented homes in Northern VAAre you seeking a water-view or waterfront home? Try our map search below.

Water-view homes for sale in Northern VA

Waterfront homes for sale in Northern VA

Search foreclosure homes in Northern VALooking for a bargain? You might find one in the foreclosures.

Foreclosures and bank-owned homes for sale

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Are you looking for new construction in Northern VA?

New Construction

These neighborhoods have that special mixture of luxurious homes with a desirable location. Many of these neighborhoods are served by the area's best public schools.

  • Arcturus -- Along the Potomac River near George Washington Parkway

  • Arlington Ridge -- Overlooking the capital's river valley

  • Belle Haven -- An established neighborhood of distinctive homes

  • Chesterbrook -- Elegant homes on quiet streets in Mclean

  • Clifton -- A place to find your micro-mansion

  • Great Falls --- Impressive residences with large lots

  • Langley -- Great schools, quiet neigbhoods

  • Rivercrest -- Stately homes on the Arlingwood bluff

  • Seminary Hill -- Impressive homes on large lots close to town

  • Yacht Haven -- Boater's paradise on the Potomac

Here are some Ghost Tours tour guides

There is a certain charm to a historic neighborhood that you cannot find elsewhere. Many of these neighborhoods date to the colonial era.

Julie Nesbitt checks out at Lotte

It's fun to live close to shops and restaurants.

  • Aurora Hieghts --- Near the Pentagon at the center of the region

  • Ballston --- Ballston Common Mall is at the center of this community

  • Clarendon --- Market Common Clarendon has many shops and restaurants

  • Fair Lakes -- Home of the Fair Oaks Mall and many nearby restaurants

  • Old Town --Well-known for boutiques, shops and restaurants

  • Pentagon City -- The Fashion Center at Pentagon City is a multi-level indoor mall surrounded by shops and restaurtants

  • Springfield -- Springfield Mall is being renovated and replaced by a brand new shopping center

  • Reston -- Reston Town Center is one of many shopping attractions here.

  • Tysons Corner -- Home to Tysons Corner Mall and the upscale Tysons II Galleria

Search for homes near the Metro

Are you looking for a home or condo near a metro station? Use our site to find properties close to Metro stations.


real estate for sale near metro stations.

Tour of the Neighborhood at West Village at Shirlington

Featured Condos at West Village

Lepelletier ordered to pay sanctions and cease harassing Nesbitt Realty and Nesbitt family

Judge John Tran ordered that Robert Lepelletier
  • shall pay sanctions of more than $27,000;
  • shall not to contact Nesbitt Realty clients, Nesbitt family members, Nesbitt friends;
  • shall not harass or disparage by email or mail Nesbitt Realty or Nesbitt family members;
  • may not file suit against Nesbitt Realty or Nesbitt family members or Nesbitt Realty attorneys without first obtaining permission of the Chief Judge of Fairfax County.
The court also made an affirmative finding that any allegations of fraud made by Plaintiff Robert Lepelletier, Jr. are not warranted by the record.

See the ACTUAL ORDER here:

entered Order on Rule to Show Cause


  What follows is an OCR of the PDF above.
  Case No. CL-2014-00517 VIRGINIA: IN THE CIRCUIT COURT FOR FAIRFAX COUNTY ROBERT LEPELLETIER, JR. Plaintiff, V. WILL NESBITT REALTY, LLC, et al.. Defendants.

ORDER ON RULE TO SHOW CAUSE AND MONEY JUDGMENT

THIS MATTER came before the Court on April 23, 2015, upon the Rule to Show Cause sought by Defendants, and upon various motions of Plaintiff to vacate the Order dated May 22, 2014, and UPON CONSIDERATION of the written briefs, testimony and other evidence presented, and oral argument, IT IS HEREBY ORDERED that Plaintiff Robert Lepelletier, Jr. is in contempt of the Order dated May 22,2014, and it is further ORDERED that the sanctions in the amount of $20,361.02 previously awarded by Order dated May 22, 2014, is hereby reduced to a money judgment subject to collection as any other money judgment, and it is further ORDERED that Plaintiff Robert Lepelletier, Jr. is hereby sanctioned in the additional amount of$7,500 (instead ofthe $20,623.25 sought by Defendants), and it is further ORDERED that the sanctions in the amount of $7,500 is hereby reduced to a money judgment subject to collection as any other money judgment, and it is further ORDERED that Plaintiff Robert Lepelletier, Jr. shall not file any suits against Will Nesbitt Realty, LLC, Stuart William Nesbitt, II, Julie Margaret Nesbitt, Mikhael D. Charnoff, nor the law firm PERRY CHARNOFF PLLC or any attorneys associated with that law firm, without first submitting any such suit to chambers to seek leave of the Chief Judge of Fairfax County Circuit Court to file any such suit, and it is further ORDERED that Plaintiff Robe11 Lepelletier, Jr. shall not directly or indirectly contact nor harass Stuart William Nesbitt, II, Julie Margaret Nesbitt, their family, friends, and associates, nor clients of Will Nesbitt Realty, LLC, including by mail and email and it is further ORDERED that Plaintiff Robert Lepelletier, Jr. will not harass or disparage Stuart William Nesbitt, II, Julie Margaret Nesbitt, members of their family, nor Will Nesbitt Realty, LLC, including by mail and email, and it is further ORDERED that Plaintiff Robert Lepelletier, Jr. is allowed leave to purge his contempt by making payments by December 31, 2015, and to establish that he has refrained from violating Orders of this Court, to include the instant Order and the Order dated March 27, 2015 in CL2015-00457 (Robert Lepelletier, Jr. v. Mikhael D. Charnoff), and it is further ORDERED that the parties shall return to the Court for a status hearing on Friday, 9:30 AM January 8, 2016, to review whether contempt has been purged, and it is further ORDERED that Plaintiff Robert Lepelletier, Jr. is invited to marshal and bring with him to the January 8, 2016 hearing any and all documentation reflecting his ability to pay the awards of sanctions, and it is further ORDERED that any of Plaintiff Robert Lepelletier Jr.'s various outstanding motions not already denied by Order dated April 15, 2015 are each denied pursuant to Rule 1: 1 of the Rules of the Supreme Court of Virginia, and it is further ORDERED that the Court makes an affirmative finding that any allegations of fraud made by Plaintiff Robert Lepelletier, Jr. are not warranted by the record. ENTERED THIS 11th day of May 2015. The Honorable John M. Tran Judge, Circuit Court of Fairfax County SEEN AND OBJECTED TO THE EXTENT NOT ALL ADDITIONAL ATTORNEYS FEES AND COSTS SOUGHT BY DEFENDANTS WERE AWARDED: Mikhael D. Charnoff, VSB 43929 PERRY CHARNOFF PLLC 2300 Wilson Blvd., Suite 240 Arlington, VA 22201 (703) 291-6650 Phone (703) 563-6692 Fax Counsel for Defendants NOT SEEN; OBJECTED TO AS SET FORTH IN ANY AND ALL WRITTEN FILINGS AND AS SET FORTH IN TESTIMONY UNDER OATH AND ORAL ARGUMENT MADE TO THE COURT, AND ALL OBJECTIONS ARE PRESERVED: Signature waived pursuant to Rule 1: 13 Robert Lepelletier, Jr. 107 So. West Street #321 Alexandria, VA 22314 pro se  

Understanding Agency Relationships

It’s important to understand what legal responsibilities your real estate salesperson has to you and to other parties in the transaction. Ask what type of agency relationship your agent has with you: Seller's representative (also known as a listing agent or seller's agent) A seller's agent is hired by and represents the seller. All fiduciary duties are owed to the seller. The agency relationship usually is created by a listing contract. Buyer's representative (also known as a buyer’s agent) A buyer’s agent is hired by prospective buyers to represent them in a real estate transaction. The buyer's rep works in the buyer's best interest throughout the transaction and owes fiduciary duties to the buyer. The buyer can pay the licensee directly through a negotiated fee, or the buyer's rep may be paid by the seller or through a commission split with the seller’s agent. Subagent A subagent owes the same fiduciary duties to the agent's customer as the agent does. Subagency usually arises when a cooperating sales associate from another brokerage, who is not the buyer’s agent, shows property to a buyer. In such a case, the subagent works with the buyer as a customer but owes fiduciary duties to the listing broker and the seller. Although a subagent cannot assist the buyer in any way that would be detrimental to the seller, a buyer-customer can expect to be treated honestly by the subagent. It is important that subagents fully explain their duties to buyers. Disclosed dual agent Dual agency is a relationship in which the brokerage firm represents both the buyer and the seller in the same real estate transaction. Dual agency relationships do not carry with them all of the traditional fiduciary duties to clients. Instead, dual agents owe limited fiduciary duties. Because of the potential for conflicts of interest in a dual-agency relationship, it's vital that all parties give their informed consent. In many states, this consent must be in writing. Disclosed dual agency, in which both the buyer and the seller are told that the agent is representing both of them, is legal in most states. Designated agent (also called appointed agent) This is a brokerage practice that allows the managing broker to designate which licensees in the brokerage will act as an agent of the seller and which will act as an agent of the buyer. Designated agency avoids the problem of creating a dual-agency relationship for licensees at the brokerage. The designated agents give their clients full representation, with all of the attendant fiduciary duties. The broker still has the responsibility of supervising both groups of licensees. Nonagency relationship (called, among other things, a transaction broker or facilitator) Some states permit a real estate licensee to have a type of nonagency relationship with a consumer. These relationships vary considerably from state to state, both as to the duties owed to the consumer and the name used to describe them. Very generally, the duties owed to the consumer in a nonagency relationship are less than the complete, traditional fiduciary duties of an agency relationship.

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