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Why Early?
Insurance can be affected by property-specific characteristics.
Potential factors include the roof, prior claims, a pool, the condition, the property use, and the coverage requested.
A quote that looks great on one home may look very different on another down the street.
Lender Requirement
Financed buyers generally need acceptable insurance in place as required by their lender before closing.
That means insurance is not an afterthought; it is part of the financing condition.
Do Not Shop Only by Premium
Compare dwelling coverage, deductible, liability, exclusions, endorsements, and replacement-cost assumptions.
The cheapest premium may come with meaningfully different coverage.
Ask Questions
If you do not understand why one quote is dramatically cheaper, find out.
Understand what is and is not covered before you choose.
Flood Is Different
Standard homeowners coverage generally does not mean every type of flood loss is covered.
Research separate flood considerations when relevant.
Important
Insurance availability and pricing cannot be guaranteed by a REALTOR®. Quotes, coverage and eligibility are determined by insurers and agents. Lisa is not an insurer or insurance agent.
