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Homeowners Insurance

How do you want to learn about homeowners insurance?

How homeowners insurance works
Insurance claims and repairs
Questions? We have answers

Homeowners insurance is required for everyone who has a mortgage. It protects you from damage caused by fires or other common disasters. It also may cover the contents of your home and provide personal liability coverage.

Coverage requirements

As your lender, we have a financial interest in your property too. That’s why you’re required to have coverage of at least 100% of the estimated cost to repair or replace your home. However, that may not be enough to protect you financially. Ask your insurance agent if you're protected from accidents on your property and if your personal property will be replaced if it’s damaged, destroyed, or stolen.


Insurance requirements vary by property type. Certain types, like condos, may have different requirements. Talk to your insurance provider for the specifics.

Paying for homeowners insurance

If you have an escrow account, we’ll add your insurance premium to your monthly mortgage payment. It’ll stay in your escrow account until your insurance bills are due. Then we’ll use that money to pay the bills on your behalf.

If you don’t have an escrow account, you’ll pay your insurance company directly.

Filing a claim

Start by contacting your insurance company. Learn more about insurance claims and repairing your property.