Home Buyers
Use this to gather the details that usually slow down insurance, especially when closing is close and the lender needs evidence of coverage.
Home Buyer Resource
Twin Cities Home Insurance Closing Checklist
A clean handoff for buyers, mortgage partners, Realtors, attorneys, and CPAs when home insurance needs to be handled before closing without turning the coverage decision into a scramble.
Who This Helps
Mortgage And Real Estate Partners
Send this when a client needs a practical insurance checklist before the quote, binder, or escrow step can move cleanly.
Policy Review Conversations
The checklist also works when the buyer already has coverage and wants to compare the new home against the household's current policy setup.
Before You Start The Quote
- Purchase agreement and closing date
- Lender or mortgage contact information
- Property address and occupancy plan
- Estimated replacement-cost or dwelling-limit expectation, if the lender provided one
- Current home, auto, and umbrella declarations pages, if there is coverage to compare against
Property Details To Verify
- Year built and major updates
- Roof age, roof material, and any inspection notes
- Electrical, plumbing, heating, and exterior updates
- Finished basement, sump pump, or water-backup exposure
- Detached structures, pools, trampolines, wood stoves, or other underwriting details
Coverage Decisions That Can Change The Math
- Dwelling limit and replacement-cost assumptions
- Wind, hail, and all-peril deductible structure
- Roof settlement language, including actual cash value versus replacement cost
- Water backup, service line, and ordinance or law endorsements
- Personal liability limits and whether an umbrella review belongs in the conversation
Closing Timeline Items
- Effective date that matches the closing requirement
- Mortgagee clause and loan number, when available
- Evidence of insurance delivery deadline
- Escrow billing instructions
- Final binder or evidence of insurance confirmation before closing
What To Send Brian
For a closing timeline, the fastest useful handoff is the property address, closing date, lender contact, any insurance deadline, and the buyer's current declarations pages if there is coverage to compare against.
The goal is not to force the cheapest quote into the file. The goal is to make sure price, lender requirements, roof terms, deductibles, water backup, service line, and liability limits are being compared in the open.
Partner Handoff Copy
Here is a simple note a referral partner can adapt when sending a buyer this checklist.
Brian, I am connecting you with [Client Name]. They are buying [Property Address] and closing on [Date]. The insurance item to solve is [timeline, lender request, quote, policy review, roof concern, or renewal concern]. I told them you may ask for the current declarations page and property details so the coverage can be compared clearly.