From referral to closing, in four steps.
You don’t fill out long forms. You don’t chase paperwork. You don’t worry about closing day. Here’s exactly what happens between your loan officer’s referral and your policy going into force.
Each step, in detail.
- 01
Your loan officer requests a quote.
When you start a mortgage, your loan officer collects information about your future home — including the 1003 mortgage application and basic property details. With your okay, they share that with us. You don't fill out anything separately at this stage.
- 02
We shop your policy across multiple carriers.
Our team runs your property through every carrier we're appointed with in your state. We compare coverage levels, deductibles, optional endorsements, and total premium. Then we narrow it down to the strongest fit.
- 03
We send you a clear quote.
You'll get the quote by email — coverage limits, deductibles, what's included, what's optional, and the annual premium. No fine print games. If you have questions, a real person walks you through them on the phone.
- 04
We coordinate everything with your closing.
Once you accept a quote, we send the declarations page directly to your title company and lender, set the policy effective date to your closing day, and confirm the mortgagee clause matches your loan docs. You don't forward anything.
Almost nothing.
- Confirmation of your property address & closing date
- Any prior insurance details (if you’ve owned before)
- Coverage preferences (lowest premium vs. fullest coverage)
- A few minutes on the phone if we have questions
Most of what we need comes from your mortgage application. We’ll only ask you for the gaps.
The closing-day handoff.
- We bind the policy with the carrier on your closing day
- Declarations page goes to your title company & lender
- Mortgagee clause is set to match your loan documents
- You receive a welcome email with policy docs & carrier claims info
- Your first premium is typically rolled into your closing escrow
What happens, when.
Day 0 — Referral received
Your loan officer sends us your file. We review and queue the shopping process.
Day 1 — Quotes shopped & sent
Most quotes are ready within one business day. We email you the recommended quote and any alternatives.
Day 1–2 — Your review
You review the quote on your own time. Questions? Call or email — a real person walks you through it.
Closing day — Policy bound
Your policy effective date is your closing date. Documents go to title and lender. You’re covered.