When you buy a home, it provides shelter for your family and a foundation for your future. Most homeowners recognize that home insurance is one of the best ways to protect that investment. If your home is near Niceville, FL, our team at Love Insurance Services can help you decide which policy is right for you. We’ve been working with homeowners like you since 2008.

When Must You Get Your Home Insurance Policy?

Buying a home is a complicated process, and first-time homeowners often have questions about timing, including when exactly home insurance needs to be in place. Generally, you’ll need to secure home insurance before your mortgage closing. Your real estate agent and lender will typically handle the title search and calculate closing costs first, with home insurance coming shortly after.

Most mortgage lenders will request proof of insurance a few days before your scheduled closing, which is why it’s smart to start shopping for a policy three to four weeks in advance. Some homeowners choose to pay their home insurance premiums through their mortgage lender via an escrow account; in these cases, lenders often require the first year’s premium to be paid in full upfront.

Schedule Your Appointment With Us Today

Our team prides itself on being a full-service agency. When it’s time to buy home insurance, Love Insurance Services will use our experience to help you review your options. Homeowners in the Niceville, FL, area have discovered how easy it is to work with our team. Give us a call today for your home insurance appointment.

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