{"id":1015,"date":"2026-05-29T04:00:00","date_gmt":"2026-05-29T04:00:00","guid":{"rendered":"https:\/\/www.collinginsurance.com\/blog\/?p=1015"},"modified":"2026-05-06T16:42:44","modified_gmt":"2026-05-06T16:42:44","slug":"am-i-required-to-get-home-insurance-if-i-have-a-mortgage","status":"publish","type":"post","link":"https:\/\/www.collinginsurance.com\/blog\/am-i-required-to-get-home-insurance-if-i-have-a-mortgage\/","title":{"rendered":"Am I Required to Get Home Insurance If I Have a Mortgage?"},"content":{"rendered":"

If you are buying a home, you may be wondering whether your mortgage lender will require you to carry homeowners’ insurance. Understanding this requirement can help you better prepare for the homebuying process and avoid delays as you move toward closing.<\/p>\n

If homeowners’ insurance is required, the professionals at Colling Insurance Services Inc., servicing Lakewood, CO, can help. We assist homeowners at every stage, from first-time buyers to long-term homeowners, in finding insurance coverage that fits their property and budget.<\/p>\n

Who Is Required to Have Homeowners Insurance?<\/h2>\n

In most cases, anyone who finances a home with a mortgage is required to carry homeowners’ insurance. Mortgage lenders require this coverage to protect their financial interest in the property until the loan is fully paid off. Your lender will typically explain their insurance requirements during the mortgage application and approval process.<\/p>\n

How Can I Get Homeowners Insurance When Buying a Home With a Mortgage?<\/h2>\n

If you are purchasing a home with a mortgage, it is best to start shopping for homeowners’ insurance early. Finding coverage in advance helps you estimate your total housing costs, including your mortgage payment, property taxes, and insurance premiums. This preparation can help you stay within your budget and avoid surprises.<\/p>\n

Should I Get Homeowners Insurance Even If It Is Not Required?<\/h2>\n

Even if homeowners’ insurance is not required, such as when you purchase a home without a mortgage, it is still strongly recommended. Homeowners insurance can help cover the cost to repair or rebuild your home after a covered event, as well as protect your personal belongings.<\/p>\n

To learn more or get started, contact the professionals at Colling Insurance Services Inc., servicing Lakewood, CO. As a trusted independent insurance agency, we are here to help you find homeowners’ insurance that provides reliable protection and peace of mind.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you are buying a home, you may be wondering whether your mortgage lender will require you to carry homeowners’ insurance. Understanding this requirement can help you better prepare for the homebuying process and avoid delays as you move toward closing. If homeowners’ insurance is required, the professionals at Colling Insurance Services Inc., servicing Lakewood, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[469,470,25,514,515,229],"class_list":["post-1015","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-co","tag-colling-insurance-services","tag-home","tag-inc","tag-insurance","tag-lakewood"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t