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Homeowners Insurance - FAQs

What’s homeowners insurance?

Homeowners insurance can protect you financially from fires, theft, and other events. It also protects our financial interest in the property. That's why we require you to have at least 100% of the estimated cost to repair or replace your home covered. Learn more about how homeowners insurance works.

Why does Wells Fargo Home Mortgage require at least 100% repair or replacement cost coverage?

As your lender, we have a financial interest in the property, just like you do. Repair or replacement cost coverage means that your home can be repaired or rebuilt to its original condition if something happens to it.

Keep in mind insurance requirements vary by property type. Certain types of properties, like condos and investment properties, may have different requirements. Talk to your insurance provider for the specifics.

What if I don't have enough coverage?

We review your coverage from time to time and will send you notification if we believe you don’t have enough coverage to protect your property.

Why did I receive a letter asking for evidence of insurance?

We either did not receive an insurance renewal or received a cancellation from your insurance carrier.

How can I prove that I have adequate homeowners insurance?

Please email the declarations page of your homeowners insurance policy – which is usually the first page – to The declarations page tells us the amount of coverage and other details of your policy. If you don’t have the declarations page, you can also email your insurance binder. Make sure to include your account number on the documents you send. Please note that this email is for submitting documents only. If you have any questions regarding your insurance, please call us at 1-866-826-4884.

For more details on how to send us proof of adequate homeowners insurance, visit our property insurance website.

How do I pay my homeowners insurance premiums?

If you have an escrow account, we’ll add the insurance premium to your monthly mortgage payment and keep it in your account. When your homeowners insurance bills are due, we’ll use the money in your escrow account to pay them on your behalf.

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

How do I file an insurance claim?

The first step is to contact your insurance company. Learn more about insurance claims and repairing your property.