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hello again on the QA I want to answer for you the question that came in recently about how do I ensure a home if I bought it subject to so it has a loan in place and its already existing policy ah what do i do what do I do am I going to let the bank on the doing sale cause all the things first of all relax okay so its been done thousands of times before you and I were born heres what we do all I can tell you is what we do alright and thats how I coach all our associates and thats how we train we only do what we do in the trenches and if it changes will raise the flag and say hey we change that policy we got to change this heres what we do hey guys Chris Prefontaine back with you to answer that question on what the heck do you do if you buy a property subject-to Dan already has insurance policy in place and its not in your name and all those things that you worry about what subject to what we do I told you how to tell you what we do what we do is this we will theres a checklist