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Find low insurance premiums before closing on a home mortgage

February 26, 2019



Once you find the home of your dreams, you will most likely need to apply for a mortgage loan to complete the purchase. 

When it’s time to close the sale, your lender will require proof of homeowner’s insurance. Most lenders require that home insurance premiums be included in calculating the housing expense ratio, one part of the underwriting process. The lower your premium, the better your housing expense ratio will be. 


The mortgage loan pre-approval process is a good time to shop around for the best insurance coverage for your new home. Check out options from different insurance companies or use an independent insurance agency that can provide you with competing quotes from multiple insurance companies. 

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