Insurance Timing for Home Purchases

We’re often asked when the best time is to bring insurance into a real estate transaction. The short answer: earlier than most people think. Bringing insurance into the conversation at the right moments can help avoid underwriting surprises, keep timelines on track, and create a smoother experience.

Ideally, right off the bat. The earlier we’re introduced, the more helpful we can be. Bringing us in when an offer is accepted allows us to provide flood zone determinations, claims history insights, and preliminary “ghost quotes.”Having this insight early can help set realistic expectations around premiums, flag potential underwriting concerns, and give you a stronger understanding of the overall cost of ownership.

If we’re introduced mid-transaction, about 1–2 weeks before closing is best.
Even if the process is already underway, looping us in at least a week or two before closing gives us time to review the property, coordinate with the lender on coverage requirements, and address any underwriting questions before final numbers are due. Waiting until the last few days can create unnecessary pressure for everyone, especially when inspections, mortgage timelines, and closing logistics are already moving quickly.

You can always bring us in at any stage of the process, and we’re happy to jump in wherever needed. That said, the earlier we’re involved, the more value we can provide — helping you stay ahead of potential issues and keeping transactions moving smoothly from the start.