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Homeowners insurance, how do I answer their questions, do I need a home inspector?

I am in Escrow for a property and in order to get the mortgage I require home owners insurance. When I try to get home owners insurance they ask me questions like how far the house is from the nearest fire hydrant, when was the roof last replaced, what electrical material is used throughout the home. I have no idea where to get the answers to these questions. I have asked my real estate agent, escrow agent and mortgage provider and no one knows. Is this information something that someone in this loop should be providing me? Or do I need to schedule a home inspection by myself?

Answer:

We coslept with our son until he was 2.5 years of age- we transitioned him to his own bed starting at 2 years of age. We are now cosleeping with our baby who is 16 months old. Here are our tricks: -Put your mattress on the floor and up against the wall. -Baby proof your room- electric outlets are covered and doors closed. If baby cannot have it- put it up and away. -Pajamas with the feet in them. They work wonders at keeping a baby warm and cozy! We leave the heat on 75 during the winter to keep the house warm downstairs and 78 upstairs at night. During the day, we turn it down to 72 upstairs because it stays warmer. I had a pillow for both of our babies until they were 10 months old that they actually laid on- the long ends of the pillow was where their feet and head went. This kept them propped up for nursing and prevented me from rolling on them. I slept on my side with their pillow pulled up to me. It's amazing how they find you at night isn't it? You will get her out of your bed when the time is right- we did it and our 11 year old has autism. It's so true- everyone sleeps better when cosleeping is in place. Our baby does not own a crib. We opted not to buy one because our son- who had a beautiful and expensive crib and all the fancy bedding never used his. The cats did though. *shrugs* ;-) Good luck to you! EDITED TO ADD: Roberta- it DOES NOT effect your intimacy!!! My LORD! After having 2 children and 13 years of marriage here I have to say that is the biggest misconception! 1. Who says sex has to happen in a BED? Neither of our children were conceived in a bed. 2. Who says sex has to happen at NIGHT?? Get real! Once you have children- you need to become a lot more clever about intimacies anyway.
I have a 4 year old a 19 month and 3 month old and i have co slept with all of them actually my 3 month old has only slept in bed with me. This practice however is not for everyone, you mentioned also that you are breast feeding and just let me say way to go! You said your a light sleeper and that is a must for safety. also try to have her sleep on her back with her head up nearly as high as yours with it resting on your shoulder, that is much safer then next to you because you can't roll on top of her this way. and as far as the cold, dress her warmly in a heavy sleeper and for you the same thing apply's dress warmer so you need less blanket. Enjoy your baby and this special time to bond with her.
Because the smoke clings to your hair and clothing, and thus gives your baby secondhand smoke. The American Academy of Pediatrics even says that before holding a baby a smoker should put a blanket between the baby and themselves. Secondhand smoke is especially bad for babies because they have immature airways, which leads to SIDS, ear infections, and so on.
Just don't do it at all, it is a bad idea in general and is dangerous for the baby. You say that your a light sleeper and wake often when she is in bed with you, well if you keep waking in the night with her in bed with you, your going to get very tired, it's going to catch up with you and one night your going to sleep through everything and not know if she is ok or not. If you want her near you when you sleep maybe look into getting one of those bed side sleepers, the ones that the side goes down and is right up against your bed, maybe that way she will be close enough to you to feel more comfortable but she is still in her own bed so that you can sleep well and get enough sleep for your well being. If that is not an option, you may have to get over it and let her sleep in her crib or playpen alone, is it really worth the risk of your childs safety. Also once they begin to sleep in the parents bed it is a very hard habit to break and if you allow it now, she may be sleeping with you even after you and dad are ready for your own room back and your privacy. Trust me with that one, when my son was 2 he got very sick and I allowed him to come to bed with me for less than 1 week and it took me almost 6 months to get him back in his bed for the entire night. He is now 10 yo and none of our kids sleep with us and never will again.

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