Rise Homes - Elevating the Experience, One Home at a Time

I’m back once again with Roger Heighton for part three of our insurance and real estate series. Today’s focus is going to be one that’s very important for first-time homebuyers: the home insurance process.

Oftentimes, buyers put an offer in, get it accepted, and are eventually asked by their lender or escrow officer about homeowners insurance. That’s when a lot of buyers get confused, so we are going to go over what that insurance process looks like.

When someone goes to buy a home, they usually buy it with a mortgage. All lenders require insurance, so at some point, you’ll have to get it.

The first step to this process is identifying someone to work with. After you’ve done that, you’ll need to come to an agreement on how much coverage you want for your home and what the price for that coverage will be. Once that is decided, it needs to be communicated to the lender as well as the escrow company.


The first step in the process is identifying somebody to work with.

Where a good insurance agent like Roger can make a difference is that, once you’ve made your decision, he can lift all the worry from there. Rather than having to coordinate these things yourself, a good insurance agent will reach out to the lender and escrow company for you and take that worry off of your shoulders. You don’t have to come up with separate funds for insurance, either. It will be taken from your closing costs.

When you buy a home, the lender typically requires the insurance to be fully paid up front for the first year. Whatever you have agreed upon on the purchase price in the escrow closing costs is what you’ll pay.

If you have any questions for Roger about the insurance process or would like to work with him, give him a call at (650) 692-1484 or send him an email to [email protected]

If you have any other real estate-related questions, don’t hesitate to give me a call or send me an email. I would love to hear from you.

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