For Realtors and Loan Officers: How to Keep Insurance Off Your Critical Path

Send it early, send it once

The moment your buyer is under contract, send the address, the closing date and the buyer's contact information. That is enough for a quote. Everything else can follow.

For new construction, add the builder's plan and options sheet if you have it. That is what lets us size the dwelling limit correctly the first time instead of revising it a week before funding.

What we send back

A quote with the premium your loan officer needs for the payment breakdown, and — once a closing date exists — a binder with the mortgagee clause and loan number already in place, sent to title and to you at the same time.

• Quote within one business day of receiving the address and date
• Binder issued to title and the lender together
• Reissued at no charge whenever the closing date moves
• Direct cell contact for the agent, not a call center queue

The three things that delay funding

In our experience, insurance delays almost always trace to one of three items: a named insured that doesn't match the deed, a dwelling limit below the loan amount, or an effective date that no longer matches a moved closing.

All three are avoidable if the agent knows the date changed. Text us; we'll turn it around the same day.

Working with your clients after closing

We do not poach. Referred clients get a coverage review, a bundle option and a life conversation — and we tell them who sent us. If you want a co-branded closing packet or a quick insurance segment for a buyer seminar, we'll put it together.