Before you begin
Coordinate policy details with the lender and closing timeline.
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Mortgage Closing Insurance Checklist
| Done | Item and purpose | Your notes |
|---|---|---|
| Closing and effective dates Avoid a gap between required coverage and ownership. | ||
| Named insured Match the borrower and ownership structure. | ||
| Property address Verify unit, ZIP code, and legal description details. | ||
| Mortgagee clause Use the lender's exact wording. | ||
| Loan number Add it when the lender requires it. | ||
| Binder or evidence Confirm the document format and delivery contact. | ||
| Dwelling limit Check the lender requirement and rebuild estimate. | ||
| Deductibles Verify any lender restrictions. | ||
| Premium and escrow Confirm who pays and where the bill is sent. | ||
| Final confirmation Keep the issued declarations page after closing. |
How to finish the review
- Mark uncertain answers instead of guessing.
- Attach the quote, declarations page, and form or endorsement that supports each answer.
- Ask the agent or carrier to resolve differences in writing.
- Repeat the same fields for every quote so price is compared on equal terms.