Home Insurance Readiness Checker

Bring these to the call

• Is this property eligible for a standard homeowner policy, or does it need a specialty or surplus-lines form?
• What is required for builder's risk coverage during construction, and who must be named on the policy?
• When does the builder's risk policy end and the homeowner policy begin?
• Does the policy settle losses at replacement cost or actual cash value, and does the roof settle differently?
• What are the separate wind, hail, hurricane or wildfire deductibles?
• How are outbuildings, wells, septic systems and detached garages covered?
• What vacancy rules apply if the home sits empty between completion and move-in?
• What documentation does my lender require before closing, and by what date?