1. 1909 POINTS
    HDA Insurance Brokerage
    Director, HDA Insurance Brokerage, California
    Homeowners Insurance is protection for the primary home of the titled owner of a house.   Thus, the titled owner may purchase homeowners insurance for his/her home.  The homeowners insurance contract has a conditional clause stating that without ownership, there is no coverage.  It is important to review the definitions section of the homeowners contract to assure that coverage is intact per the contract. 

    If you are in the process of purchasing a home, it is common to obtain a quote and purchase insurance a few days prior to the close of escrow; this is done in order to have the insurance in place prior to the transfer of ownership.  A mortgage loan cannot be funded without the security of insurance to release the funds. 

    For a quote online, you may go to:   http://www.HDAinsurance.com
    Answered on May 18, 2013
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