Gather property details
Ask the seller or agent for the home's year, construction, heating, roof and major system updates. Tell the insurer about features such as a wood stove, rental unit or recent water damage. A sale price alone is not the same as rebuilding cost.
Line up the effective date
Confirm when insurance must begin for your mortgage and when you take possession. Compare limits for the dwelling, belongings, liability, water events and additional living expenses. Keep the binder or proof required by your lender and read exclusions before closing.
A useful closing folder
Keep the listing's building details, inspection report, renovation dates, lender's insurance instructions and insurer quote together. Mark any questions about old wiring or the roof for the representative. This helps avoid a surprise when proof of insurance is required for closing.
Quick check
- Collect property facts
- Ask about water coverage
- Confirm start date with lender
General educational content, reviewed September 28, 2026. Rules, availability and policy wording can change. Confirm current details with the linked authority or a licensed insurer or broker.