When Do You Get Homeowners Insurance?

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   David G. Pipes, CLU®, RICP®PRO

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   Most homeowner’s policies are initiated at the closing of escrow. A lender will require evidence of insurance in order to lend money as a mortgage on the home. If there isn’t a mortgage a homeowner’s policy is normally started whenever a home is transferred to a new owner. The “exposure” of a home is great and few are willing to forgo insurance.

   Answered on September 4, 2014

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