Buying a Home? Get Insurance Lined Up Before Closing.
Your lender needs proof of homeowners insurance before closing. We compare 14+ carriers and get your policy ready on time, so insurance is one less thing to worry about.
Tell us what you have
Send the form, call, or text. If you have your current policy handy, even better.
We shop 14+ carriers
Same coverage on every quote, so the price differences you see are real.
You pick, we handle the switch
We set up the new policy, notify your lender if needed, and stay your contact after.
From Contract
to Closing.
A simple timeline, so nothing gets missed.
Get Under Contract
As soon as you have a signed contract, reach out. Starting early gives us time to compare carriers instead of rushing a single quote.
- ✓ Send us the address and your closing date
- ✓ Tell us about the home's age, roof, and updates
- ✓ We'll flag anything that may affect eligibility
Compare Quotes
We shop 14+ carriers and show you coverage and price differences side by side, including bundling options with your auto.
- ✓ Equal coverage, so the comparison is fair
- ✓ Flood and water-backup options reviewed
- ✓ Auto and umbrella priced alongside
Give Your Lender What They Need
Lenders typically need evidence of insurance with the mortgagee clause and effective date before closing. We send what your lender asks for.
- ✓ Your loan officer or title company will tell you what they need
- ✓ We handle the paperwork and effective date
- ✓ Policy start date matches your closing
Close, Then Review
After you move in, we're still here. A few months later is a good time to double-check coverage, add valuables, and revisit auto and life insurance.
- ✓ Policy review after you move in
- ✓ Update your auto policy for your new address
- ✓ Look at life and umbrella as needs change
Questions to ask before you close.
Insurance can affect your closing timeline and budget. These come up often.
Is the home in a flood zone? Lenders may require flood insurance, and flood policies usually have a waiting period.
How old is the roof? Roof age and condition can change which carriers will write the home and how claims are paid.
What will your HOA cover? If you're buying a condo or townhome, the HOA's master policy only covers part of the building.
Is the home new construction? Ask your builder what coverage applies before closing, and make sure your own policy starts when you take ownership.
Home Buyer Insurance, Answered
Closing soon? Let's get your policy ready.
Tell us what you're looking for and we'll shop 14+ carriers for you. No obligation. Rated 5.0 from 30 Google reviews.
"Spencer did a great job putting together a home quote that was below my previous policy. Communication was easy and he got the policy set up with my mortgage lender."
"He took the time to give me estimates to cover our home, including a comparison to our current policy."
You'll hear from Spencer personally. A local agent in Carmel, not a call center.
Got it. Thank you.
Spencer will call or text you within one business day. Need an answer sooner? Call or text 317-991-1101.