{"id":2819,"date":"2026-04-13T13:38:32","date_gmt":"2026-04-13T13:38:32","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=2819"},"modified":"2026-04-13T13:38:35","modified_gmt":"2026-04-13T13:38:35","slug":"home-insurance-before-closing","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/homeowners-insurance\/home-insurance-before-closing\/","title":{"rendered":"Do You Need Home Insurance Before\u00a0Closing on\u00a0a House?\u00a0"},"content":{"rendered":"<div class=\"c-section\">\n    <div class=\"c-article\">\n        <div class=\"o-wrapper o-wrapper--small\">\n                                                            <picture class=\"c-article__pic\">\n                    <img decoding=\"async\" class=\"c-article__img\" loading=\"lazy\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/04\/southern-harvest-do-you-need-home-insurance-before-closing-on-a-house-1.jpg\" alt=\"Two people shaking hands over a desk with a small model house in the foreground, symbolizing a home purchase agreement and the importance of securing home insurance before closing.\" width=\"320\" height=\"160\">\n                <\/picture>\n                                        <div class=\"c-article__content\">\n                <div class=\"s-cms-content\">\n                    <p><!-- wp:paragraph --><\/p>\n<p>If you are taking out a mortgage, the short answer is\u00a0almost always\u00a0yes.\u00a0If\u00a0you\u2019re\u00a0in the middle of buying a house, you understand that there are a lot of moving pieces. From securing the loan to researching neighborhoods to finding the perfect home, there is a lot involved with a large purchase like buying a new house. But one question you may or may not have thought of is: Do you actually\u00a0<a href=\"https:\/\/www.southernharvestinsurance.com\/home-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">need home insurance<\/a>\u00a0before closing?\u00a0A\u00a0homeowners\u00a0policy is\u00a0almost always\u00a0required\u00a0before you close if\u00a0you\u2019re\u00a0taking out a mortgage.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Not only is it\u00a0a good idea\u00a0for you personally, but securing home insurance before closing is something your home lender will expect well in advance of the closing date. Without having a\u00a0homeowners\u00a0policy, you\u00a0can\u2019t\u00a0finalize\u00a0the loan. In other words, there\u00a0won\u2019t\u00a0be a sale without it.\u00a0That\u2019s\u00a0because coverage is mandatory for mortgages, and\u00a0you\u2019ll\u00a0need to show proof before you can sign the final papers.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Southern Harvest will walk you through the process, step by step.\u00a0Let\u2019s\u00a0break down why it matters, when to get it, and exactly how to make sure your policy is ready in\u00a0time\u00a0so nothing delays your closing.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>Why Mortgage Lenders Require Homeowners Insurance<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>When you take out a mortgage, your home lender is investing a large amount of money up front into your property. Just imagine if something devastating\u00a0were to happen.\u00a0Let\u2019s\u00a0say there is a fire, storm damage, or something else causing damage and loss. The home lender wants to make sure their investment is protected. And you\u00a0probably need\u00a0to know\u00a0<a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/homeowners-insurance\/what-homeowners-insurance-should-include\/\" target=\"_blank\" rel=\"noreferrer noopener\">what a home insurance policy includes,<\/a>\u00a0too.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>That\u2019s\u00a0why a\u00a0homeowners\u00a0policy is mandatory for mortgages. Lenders\u00a0don\u2019t\u00a0just recommend it \u2014 they\u00a0require\u00a0it as part of their lender requirements before\u00a0they\u2019ll\u00a0fund your loan.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Here are the basics of what they are looking for:<\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li>Coverage that protects the structure of the home<\/li>\n<li>A policy that meets specific lender requirements<\/li>\n<li>A valid, effective date that starts on or before closing day<\/li>\n<li>A declaration page that clearly outlines coverage details<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>Without meeting these lender requirements, your loan stalls and\u00a0won\u2019t\u00a0go through.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>What Happens If You\u00a0Don\u2019t\u00a0Have Proof of Coverage in Time<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>If you\u00a0don\u2019t\u00a0have home insurance before closing, your purchase date can be delayed. It might even be canceled.\u00a0It\u2019s\u00a0important to know if\u00a0<a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/homeowners-insurance\/is-homeowners-insurance-required-georgia\/\" target=\"_blank\" rel=\"noreferrer noopener\">home insurance is required in Georgia<\/a>. No one wants a delay in\u00a0purchasing\u00a0their new home.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Lenders\u00a0can\u2019t\u00a0move forward until they have\u00a0documented proof\u00a0showing your policy is active.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Usually, this comes in the form of a declaration page, which includes:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul><!-- wp:list-item --><\/p>\n<li>Policy number<\/li>\n<li>Coverage limits<\/li>\n<li>Premium amount<\/li>\n<li>Effective date<\/li>\n<li>Insurance company details<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>If you\u00a0don\u2019t\u00a0provide this\u00a0required documentation in time,\u00a0here\u2019s\u00a0what can happen:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul><!-- wp:list-item --><\/p>\n<li>Your closing date gets pushed back<\/li>\n<li>Your lender pauses funding<\/li>\n<li>You may need to rush into a last-minute (and\u00a0possibly poor) policy decision<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>The bottom line is, having home insurance before closing is vital if you want everything to stay on track.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>When to Buy Homeowners Insurance<\/strong><\/h2>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Maybe\u00a0you\u2019ve\u00a0thought timing\u00a0isn\u2019t\u00a0a big deal when it comes to purchasing\u00a0homeowners\u00a0insurance, but timing matters more than you think. Waiting too long can limit your options and cause unnecessary stress.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>30\u201321 Days Before Closing: Start Shopping + Comparing Quotes<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>About a month before the purchase date,\u00a0it\u2019s\u00a0time to start seriously shopping for a\u00a0homeowners\u00a0policy. This gives you enough time to compare policies, understand types of coverage, and meet all lender requirements without rushing.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>At this stage, you should:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul><!-- wp:list-item --><\/p>\n<li>Gather quotes from multiple insurers<\/li>\n<li>Review different types of coverage (dwelling, liability, personal property, etc.)<\/li>\n<li>Ask about any optional add-ons you might need, like wind or flood coverage<\/li>\n<li>Check how each policy aligns with your home lender\u2019s expectations<\/li>\n<li>Don\u2019t\u00a0just focus on\u00a0price.\u00a0The cheapest policy might not give you all the types of coverage you actually need.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>14\u20137 Days Before Closing: Choose Coverage + Get It Bound<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>This is when you\u00a0finalize\u00a0everything. By now, you should:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul><!-- wp:list-item --><\/p>\n<li>Select your policy<\/li>\n<li>Confirm it meets lender requirements<\/li>\n<li>Set your effective date (usually the closing date)<\/li>\n<li>Pay any required prepayment<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>Most insurers\u00a0require\u00a0at least the first year\u2019s premium upfront as a prepayment. This ensures your coverage is active\u00a0immediately.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Once you complete the prepayment, your agent will issue a declaration page and binder, which serves as your proof\u00a0required\u00a0for closing.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-2837 aligncenter\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/04\/southern-harvest-do-you-need-home-insurance-before-closing-on-a-house-2.jpg\" alt=\"A smiling family standing in front of their home, with a father carrying a child on his shoulders and a mother beside them, highlighting the importance of home insurance for protecting your home and loved ones.\" width=\"863\" height=\"575\" srcset=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/04\/southern-harvest-do-you-need-home-insurance-before-closing-on-a-house-2.jpg 1000w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/04\/southern-harvest-do-you-need-home-insurance-before-closing-on-a-house-2-300x200.jpg 300w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/04\/southern-harvest-do-you-need-home-insurance-before-closing-on-a-house-2-768x512.jpg 768w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/04\/southern-harvest-do-you-need-home-insurance-before-closing-on-a-house-2-600x400.jpg 600w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/04\/southern-harvest-do-you-need-home-insurance-before-closing-on-a-house-2-960x640.jpg 960w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/04\/southern-harvest-do-you-need-home-insurance-before-closing-on-a-house-2-244x163.jpg 244w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/04\/southern-harvest-do-you-need-home-insurance-before-closing-on-a-house-2-285x190.jpg 285w\" sizes=\"(max-width: 863px) 100vw, 863px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><!-- \/wp:image --> <!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Step-by-Step Guide to Getting Home Insurance Before Closing<\/strong><\/h2>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Let\u2019s\u00a0walk through exactly how to get home insurance before closing so you can do this stress-free.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>Step 1: Gather Home Details Your Agent Will Need<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Before you can get\u00a0accurate\u00a0quotes, your agent will need some detailed information about the home, such as:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul><!-- wp:list-item --><\/p>\n<li>Address and purchase price<\/li>\n<li>Square footage and layout<\/li>\n<li>Year built and construction type<\/li>\n<li>Roof age and condition<\/li>\n<li>Heating, plumbing, and electrical systems<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>Having\u00a0this ready speeds\u00a0up the process and helps things flow seamlessly, so you can meet all lender requirements.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>Step 2: Pick the Right Coverage (Not Just the Cheapest Policy)<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>This is where many buyers go wrong.\u00a0It\u2019s\u00a0tempting to choose the lowest price, but that can backfire if the policy\u00a0doesn\u2019t\u00a0include the right types of coverage.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul><!-- wp:list-item --><\/p>\n<li>Make sure your policy includes:<\/li>\n<li>Dwelling coverage (to rebuild the home)<\/li>\n<li>Liability protection<\/li>\n<li>Personal property coverage<\/li>\n<li>Additional\u00a0living expenses<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>Also, double-check to find out\u00a0<a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/homeowners-insurance\/common-home-insurance-limitations-in-ga\/\" target=\"_blank\" rel=\"noreferrer noopener\">what home insurance doesn\u2019t cover in GA and what you can do about it<\/a>. You may need specific types of coverage,\u00a0especially for\u00a0risks like wind, hail, or flooding.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Your home lender will review your selections to confirm they meet lender requirements, but\u00a0it\u2019s\u00a0still your responsibility to choose wisely.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>What Documents You Need for Closing<\/strong><\/h2>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>As closing approaches,\u00a0you\u2019ll\u00a0need to have your paperwork in order.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>What a Homeowners Insurance Binder Is<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>An insurance binder is a temporary document that proves your policy is in place. You will receive this before the final policy documents are ready.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Your binder will include:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul><!-- wp:list-item --><\/p>\n<li>Policy details<\/li>\n<li>Coverage limits<\/li>\n<li>The effective date<\/li>\n<li>Confirmation of prepayment<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>This binder, along with your declaration page, serves as the proof required by your home lender.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>Where to Send Proof of Insurance (Lender + Title Company)<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Once your policy is bound,\u00a0you\u2019ll\u00a0need to send your proof required documents to:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul><!-- wp:list-item --><\/p>\n<li>Your home lender<\/li>\n<li>Your title or escrow company<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>Most insurers will send the declaration page directly on your behalf, but make sure this actually\u00a0happens\u00a0so you have everything in order.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Make sure everything is\u00a0submitted\u00a0a few days before closing. The last thing you need is any last-minute issues or problems with the lender requirements.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Common Home Insurance Mistakes That Delay Closing<\/strong><\/h2>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Even small missteps can create big problems during closing.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>Waiting Until the Last Minute<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>It\u2019s\u00a0easy to get caught up in the excitement of getting a\u00a0brand new\u00a0house, but you\u00a0don\u2019t\u00a0want to put off getting home insurance before closing.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>When you rush:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul><!-- wp:list-item --><\/p>\n<li>You may not fully review the types of coverage<\/li>\n<li>You risk missing key lender requirements<\/li>\n<li>You could end up paying more<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>Get a jump start on purchasing\u00a0homeowners\u00a0coverage\u00a0so your effective date aligns perfectly with closing. If\u00a0you\u2019re\u00a0worried about the premium cost, you can always\u00a0<a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/homeowners-insurance\/understanding-georgia-home-insurance-deductibles\/\" target=\"_blank\" rel=\"noreferrer noopener\">choose a deductible that works<\/a>\u00a0or look for other\u00a0<a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/homeowners-insurance\/georgia-home-insurance-discounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">hidden Georgia home insurance discounts<\/a>.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>Missing Required Coverages (Wind, Hail, Flood, etc.)<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Not all policies automatically include coverage you might need. There could be risks that are specific to your region. Depending on your location, your\u00a0Home\u00a0lender may require\u00a0additional\u00a0protection.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Some gaps in coverage include:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul><!-- wp:list-item --><\/p>\n<li>Wind and hail coverage<\/li>\n<li>Flood coverage<\/li>\n<li>Earthquake coverage (in certain areas)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:paragraph --><\/p>\n<p>If your policy\u00a0doesn\u2019t\u00a0meet these lender requirements, it\u00a0won\u2019t\u00a0be accepted \u2014 even if\u00a0you\u2019ve\u00a0already made your prepayment.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Always double-check your declaration page to confirm all required types of coverage are included.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>How Escrow Works for Homeowners Insurance After Closing<\/strong><\/h2>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>Once\u00a0you\u2019ve\u00a0made it through closing, your insurance payments\u00a0don\u2019t\u00a0just disappear \u2014\u00a0they\u2019re\u00a0typically built into your mortgage.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>What \u201cEscrowed\u201d Means for Your Premium Payments<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p>If your insurance is escrowed, your home lender collects your mortgage and insurance together in one sum. A\u00a0portion\u00a0of your premium will include\u00a0the insurance payment.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Then, when your policy renews, they pay it on your behalf.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>This setup helps ensure:<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul><!-- wp:list-item --><\/p>\n<li>Your coverage never lapses<\/li>\n<li>Your lender requirements continue to be met<\/li>\n<li>You\u00a0don\u2019t\u00a0have to worry about large annual payments<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --> <!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>When Your First Payment Is Actually Due<\/strong><\/h3>\n<p><!-- \/wp:heading --> <!-- wp:paragraph --><\/p>\n<p style=\"text-align: left\">Even though your premium is escrowed later, your first payment is usually\u00a0required\u00a0upfront as a prepayment before closing.<\/p>\n<p style=\"text-align: left\"><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p style=\"text-align: left\">This prepayment activates your policy and ensures your effective date matches your closing date.<\/p>\n<p style=\"text-align: left\"><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p style=\"text-align: left\">After that, your monthly escrow payments gradually cover future renewals.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"c-section c-more-options\">\n    <div class=\"o-wrapper o-wrapper--small\">\n        <h2 class=\"c-more-options__title\">Get a Home Insurance Quote in Minutes So Your Closing Stays on Track <\/h2>\n\n        <div class=\"c-more-options__content\">\n            <div class=\"s-cms-content\">\n                <p><span data-contrast=\"auto\">Getting home insurance before closing\u00a0doesn\u2019t\u00a0have to be stressful \u2014 but it\u00a0<\/span><i><span data-contrast=\"auto\">does<\/span><\/i><span data-contrast=\"auto\">\u00a0need to be done on time. Starting early, understanding your types of coverage, and meeting all lender requirements will help ensure a smooth closing process.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The sooner you get quotes, the more options\u00a0you\u2019ll\u00a0have \u2014 and the less likely you are to run into last-minute surprises. Southern Harvest Insurance is ready to provide you with a free quote for a policy that ensures\u00a0you\u2019re\u00a0covered where you need it. Talk to an agent today about a free quote.\u00a0Get in touch with\u00a0a representative by calling\u00a0<\/span><a href=\"tel:8778314677\"><span data-contrast=\"none\">(877) 831-4677<\/span><\/a><span data-contrast=\"auto\">, stopping by\u00a0<\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/locations\/\"><span data-contrast=\"none\">one of our locations<\/span><\/a><span data-contrast=\"auto\">, or\u00a0<\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/\"><span data-contrast=\"none\">visiting us online<\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">FAQs<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<h3><b><span data-contrast=\"none\">How Soon Before Closing Should I Get Homeowners Insurance?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">You should start shopping about\u00a030 days\u00a0in advance for home insurance before closing. This gives you time to compare options, meet lender requirements, and secure your\u00a0proof\u00a0required documents without rushing.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">What Is a Homeowners Insurance Binder for Closing?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A binder is a temporary document that proves your policy is active. It includes your effective date, coverage details, and confirmation of prepayment, and it serves as proof\u00a0required\u00a0for your home lender.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Can You\u00a0Close on\u00a0a House Without Homeowners Insurance?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">In most cases, no.\u00a0Homeowners\u00a0insurance is mandatory for mortgages, and your\u00a0Home\u00a0lender will not\u00a0finalize\u00a0the loan without a valid declaration page showing coverage is in place.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Do I Need Flood Insurance Before Closing,\u00a0Too?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:200,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">It depends on your property\u2019s location. If your home is in a high-risk flood zone, flood insurance may be part of your lender requirements, meaning\u00a0you\u2019ll\u00a0need it alongside your standard policy before closing.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n                            <ul class=\"o-list-bare c-more-options__list\">\n                    <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--green\" href=\"webform.html\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-quote\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Get a Quote<\/div>\n                        <\/a>\n                    <\/li>\n                    <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--brown\" href=\"tel:8002396558\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-phone-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Call Us<\/div>\n                        <\/a>\n                    <\/li>\n                    <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--blue-gray\" href=\"office-locator.html\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-location-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Find Your Office<\/div>\n                        <\/a>\n                    <\/li>\n                <\/ul>\n                    <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":20,"featured_media":2842,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[5],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/2819"}],"collection":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=2819"}],"version-history":[{"count":26,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/2819\/revisions"}],"predecessor-version":[{"id":2859,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/2819\/revisions\/2859"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media\/2842"}],"wp:attachment":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=2819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=2819"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=2819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}