Proof of home insurance for lenders

Your mortgage lender needs specific documentation, not just a policy number. Here is what to send.

By the InsuranU team Updated July 20263 min read

If U have a mortgage, your lender requires proof of insurance before closing and for as long as the loan is active.

What lenders typically need

Most insurers can send proof directly to your lender or loan servicer. Ask for this when U set up the policy.

If proof is not on file, lenders can force-place a policy on your behalf, usually at a much higher cost than shopping for your own.

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What is force-placed insurance?

Coverage a lender buys on your behalf if you lack proof of your own, usually at a higher cost.

Who should be listed on the policy?

Your lender should be listed as mortgagee so they receive claim payments related to the structure.

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