Leave a Message

Thank you for your message. We will be in touch with you shortly.

How Does the Home Insurance Process Work?

Joe Polyak April 25, 2019

How Does the Home Insurance Process Work?

I’m back once again with Roger Heighton for part three of our insurance and real estate series. Today’s focus is going to be one that’s very important for first-time homebuyers: the home insurance process.

Oftentimes, buyers put an offer in, get it accepted, and are eventually asked by their lender or escrow officer about homeowners insurance. That’s when a lot of buyers get confused, so we are going to go over what that insurance process looks like.

When someone goes to buy a home, they usually buy it with a mortgage. All lenders require insurance, so at some point, you’ll have to get it.

The first step to this process is identifying someone to work with. After you’ve done that, you’ll need to come to an agreement on how much coverage you want for your home and what the price for that coverage will be. Once that is decided, it needs to be communicated to the lender as well as the escrow company.


The first step in the process is identifying somebody to work with.

Where a good insurance agent like Roger can make a difference is that, once you’ve made your decision, he can lift all the worry from there. Rather than having to coordinate these things yourself, a good insurance agent will reach out to the lender and escrow company for you and take that worry off of your shoulders. You don’t have to come up with separate funds for insurance, either. It will be taken from your closing costs.

When you buy a home, the lender typically requires the insurance to be fully paid up front for the first year. Whatever you have agreed upon on the purchase price in the escrow closing costs is what you’ll pay.

If you have any questions for Roger about the insurance process or would like to work with him, give him a call at (650) 692-1484 or send him an email to [email protected]

If you have any other real estate-related questions, don’t hesitate to give me a call or send me an email. I would love to hear from you.

Recent Blog Posts

Stay up to date on the latest real estate trends.

San Francisco

🔍 San Francisco real estate market update – June 2025

July 10, 2025

The summer market in San Francisco is heating up—and so is buyer competition. June's data shows a continued trend toward a fast-paced, low-inventory environment.

San Francisco

July 2025 Events in the San Francisco Bay Area: Top Things to Do This Month

July 2, 2025

From fireworks by the Bay to garlic-fueled festivities, July in the Bay Area is bursting with iconic summer events, local music, and community celebrations. Whether yo… Read more

Contra Costa Market Update

🔍 Contra Costa Real Estate Market Update – May 2025

June 20, 2025

As we move through the spring season, Contra Costa’s real estate market continues to show signs of competitiveness—despite a modest uptick in inventory levels.

Alameda Market Update

🔍 Alameda real estate market update – May 2025

June 18, 2025

Alameda's housing market continues to reflect high demand and low inventory this May, making it a strong seller’s market.

Santa Clara County Market Update

🔍 Santa Clara May 2025 Market Update

June 12, 2025

As we move through the heart of spring, Santa Clara's real estate market continues to show signs of strength and resilience. Whether you’re considering listing your ho… Read more

San Mateo Market Update

🔍 San Mateo real estate market update – May 2025

June 12, 2025

As we head into the busy spring market, San Mateo’s housing landscape remains competitive. With inventory staying tight and homes selling quickly, both buyers and sell… Read more

San Francisco

🔍 San Francisco real estate market update – May 2025

June 10, 2025

May is shaping up to be a dynamic month in the San Francisco housing market. With steady inventory, quick sales, and strong buyer interest, both buyers and sellers nee… Read more

Bay Area

June 2025 Events in the San Francisco Bay Area: Top Things to Do This Month

June 6, 2025

Summer is officially here in the San Francisco Bay Area, and so is an incredible lineup of events to enjoy! From Pride celebrations to historic races and family-friend… Read more

Alameda Market Update

🔍 Alameda Real Estate Market Update – April 2025

May 29, 2025

Alameda’s housing market continues to hold strong this spring, with low inventory and high buyer demand defining the landscape. If you’re planning to buy or sell in th… Read more

Let’s Talk

You’ve got questions and we can’t wait to answer them.