Currently, insurers are tightening their criteria. Factors such as fire hazard zones, older roofs, or previous claims are leading to widespread denials.
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Homeowners insurance often plays a crucial role in the debt-to-income (DTI) calculations that lenders use when assessing loan applications.
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As a trusted partner to many real estate professionals, my agency understands that the nuances of homeowners' insurance can have significant implications for your closing processes.
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A standard homeowners policy does not automatically cover a tenant-occupied property.
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One of the most common leaseback mistakes is assuming a standard homeowners policy is “good enough.” In many cases, it isn’t. When a buyer allows a seller to remain in the home after closing, the buyer is no longer just a homeowner—they are legally a landlord.
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No renters policy means serious risk. The buyer's policy does not cover the seller's belongings or personal liability.
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