The week before closing already has enough moving parts. Start your insurance conversation while you still have time to gather property details, answer questions, and understand the proposed coverage.
The goal is simple: know what you are buying before insurance becomes another box to check.
Keep the purchase price and insurance estimate separate
Your purchase price includes factors that are different from the cost of rebuilding the house. Ask how the dwelling coverage estimate was developed and whether the property details are accurate. Coverage limits, deductibles, and policy terms still matter even when a lender accepts the policy. TDI recommends choosing coverage with the cost of replacing your house and belongings in mind. TDI: Shopping for homeowners insurance
Make a short property sheet for the quote conversation:
| Information | What to gather |
|---|---|
| Home | Address, year built, square footage, and construction details |
| Roof | Age, material, and documentation of replacement or repairs |
| Updates | Known electrical, plumbing, heating, or cooling updates |
| Use | Who will live there and whether any space will be rented or used for business |
| Closing | Target date and your lender's insurance contact |
Use the inspection and seller documents to help answer questions, but flag anything you cannot verify. An inspection report is useful information, not confirmation that an insurer will accept the property.
Ask about the costs you would pay yourself
Request the deductible amounts in dollars, including any separate wind and hail deductible. Ask how the roof is insured and how your belongings would be valued after a covered loss. Those answers are more useful than comparing only the monthly payment.
Also identify what is outside the home policy. Standard homeowners coverage generally excludes flood damage. A separate flood conversation is worthwhile even if flood insurance is not part of your lender's request. TDI: Home insurance guide
Close the loop on dates and documents
Before closing, ask for confirmation of the approved coverage, effective date, and any outstanding requirements. Share a changed closing date promptly. Keep the final documents somewhere you can find them after the move, along with your agent's contact information.
For a Waco homebuyer, a useful insurance conversation should end with fewer unanswered questions, not just another attachment in your inbox.
Your next step: Start your Home quote. Have the property details and target closing date ready for the follow up conversation.