Your lender will require proof of homeowners insurance before you close, and it's easy to leave until the last minute. It's a lot smoother when you start early.
I'll help you understand what you're buying, get the right coverage for your new home, and send your lender what they need. I'm also glad to work with your realtor and loan officer.
Coverage for the structure itself. We'll base it on what it would cost to rebuild today, not what you're paying for the house.
If your home is in a flood zone, your lender may require separate flood coverage. Standard homeowners policies typically don't include flood damage.
The age and condition of a home's roof, wiring, and plumbing can affect coverage and price. Your inspection report helps me ask the right questions.
Furniture, electronics, and valuables. We'll make sure personal property coverage matches what you actually own.
Helps protect you if someone is hurt on your property. It matters more once you own a home with a yard, pool, or pets.
Bringing your auto policy along can earn a multi-policy discount and means one agent for everything.
As soon as you're under contract, so you're not scrambling before closing. Your lender will want proof of coverage in place.
In most cases, yes. If you have a mortgage, your lender will typically require homeowners insurance and proof of it before closing.
Standard homeowners policies typically don't cover flood or earthquake damage. If your home is in a flood zone, your lender may require flood coverage. Ask me about your options.
Yes. I'm happy to coordinate so your insurance paperwork doesn't slow down your closing. Send me their contact information or have them reach out.
I serve families, farms, and businesses across South Idaho, including these communities:
This page is general information, not a coverage offer or advice. Coverage, discounts, and eligibility vary and are subject to underwriting and the terms of your policy.
