Set Up Homeowner's Insurance

Setting Up Your Homeowner’s Insurance

Securing homeowner’s insurance is a mandatory step in the mortgage underwriting process, and your lender will require proof of coverage before approving your loan. Since your home is likely one of the biggest investments you’ll ever make, it’s essential to ensure it’s properly protected.

How to Shop for Homeowner’s Insurance

🔹 Start with Your Current Insurance Provider

• If you already have auto insurance, request a quote from your current provider first—you’ll likely qualify for a multi-policy discount.

🔹 Compare Rates

• Rates can vary significantly, so we recommend getting at least two additional quotes from reputable providers.

• Need recommendations? Email us for a list of trusted insurance providers.

When Should Your Policy Start?

Your homeowner’s insurance policy should go into effect the day BEFORE closing.
Why? If (heaven forbid) something happens to the home on the day of closing, you’ll be covered.

Providing Proof of Insurance to Your Lender

Your mortgage underwriter must receive proof of insurance before they can finalize your loan approval.
✔ Once you secure a policy, request the necessary documentation from your insurer and send it to your lender as soon as possible.

Need Help? We’re Here for You!

If you have any questions about selecting the right homeowner’s insurance or need provider recommendations, just reach out. We’re happy to assist!