Buying a home? Line up the right coverage before you close.
A home purchase is the moment to get insurance right, not just satisfy the lender. Before closing, it is worth confirming your dwelling is valued to rebuild, your liability is adequate, and the big exclusions, flood and earthquake, are decided on purpose.
Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.
What to set up before closing
Confirm the dwelling coverage reflects what it would cost to rebuild, not the purchase price or tax value. Set personal property and liability limits that fit your household, and decide whether you need flood or earthquake coverage given the location.
Lenders set a deadline, so starting a week or two before closing leaves room to compare rather than taking the first binder offered.
The gaps buyers miss
The common misses are rebuilding cost set too low, valuables that exceed the homeowners sub-limit, and flood or earthquake left unaddressed because they are excluded by default. A short review at purchase prevents all three.
If you are bundling auto, this is also the moment to align home and auto limits and consider an umbrella.
Common questions.
How much homeowners insurance do I need to buy a home?
When should I get insurance when buying a house?
Do I need flood insurance on a new home?
Not sure your coverage fits your household?
We will walk through your home, autos, assets, and liability, then show you what is worth a closer look. Educational, not a quote.
Buying a home? Line up the right coverage before you close.
Tell us about your household and we will give you a straight read on coverage, gaps, and the right next step. No pressure, no obligation.