Don’t Let Home Insurance Delay Your Closing.
Buying a home is exciting, but as your closing date gets closer, your lender will likely require proof of homeowners insurance before they can fund your loan.
If your escrow is scheduled to close this week, we’re here to help.
At Starwest Insurance Services, we specialize in helping California homebuyers obtain fast homeowners insurance quotes so they can stay on schedule and get the keys to their new home.
Talk to Real People. Get Real Answers.
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Why Is Homeowners Insurance Required Before Closing?
If you’re financing your home with a mortgage, your lender typically requires homeowners insurance to protect the property from covered losses beginning on the day you take ownership.
Before your loan is finalized, your lender or escrow company may request:
- Proof of homeowners insurance
- Insurance binder
- Declaration page
- Mortgagee clause
- Effective date that matches your closing date
Without these documents, your closing could be delayed.
Our goal is to help you avoid that delay by providing fast quotes and working directly with you, your lender, and your escrow team.
Need Home Insurance Fast?
In many cases, we can provide:
- Fast homeowners insurance quotes
- Same-day quote options
- Coverage effective on your scheduled closing date (subject to underwriting approval and payment)
- Proof of insurance for your lender
Every home is different, and timing depends on the property, underwriting guidelines, and the information available.
We Help Homebuyers Throughout California
Whether you’re buying your:
- First home
- Dream home
- Vacation home
- Condo
- Townhome
- Investment property
- Rental property
- Newly built home
our team can help you review your insurance options.
If the property is located in a wildfire-prone area where standard homeowners insurance may not be available, we can also discuss California FAIR Plan coverage and a companion Difference in Conditions (DIC) policy.
What We’ll Need to Get Started
Having this information ready can help speed up the quoting process.
Property Information
- Property address
- Year built
- Square footage
- Roof age
- Construction type
- Number of stories
- Occupancy
Buyer Information
- Full legal name
- Date of birth
- Mailing address
- Prior insurance history
Loan Information
- Mortgage company
- Loan number
- Mortgagee clause
- Escrow closing date
- Desired policy effective date
Buying a Condo?
If you’re purchasing a condominium, you’ll typically need an HO-6 condo insurance policy.
We’ll review your HOA’s master insurance policy and help determine the coverage you may need for:
- Interior improvements
- Personal belongings
- Personal liability
- Loss Assessment
- Additional Living Expenses
Bundle Your Home and Auto Insurance
Many insurance companies offer discounts when you bundle your:
- Home Insurance
- Auto Insurance
- Umbrella Insurance
Bundling may reduce your premium while making it easier to manage your policies.
Why Homebuyers Choose Starwest Insurance
Serving California Since 1995
For more than 30 years, we’ve helped California families protect their homes and financial future.
Independent Insurance Agency
We compare multiple insurance companies to help you find coverage that fits your needs.
Convenient Service
Choose the way you want to work with us:
- Call
- Text
- Visit our Westminster office
No AI phone trees—just experienced insurance professionals.
Fast Turnaround
When all required information is available, many quotes can be completed quickly to help you meet your closing timeline.
Frequently Asked Questions
Can I get homeowners insurance before my closing date?
Yes. In many cases, we can arrange coverage to begin on the day your escrow closes, subject to underwriting approval and payment.
Will my lender accept the policy?
Most lenders require homeowners insurance that meets their loan requirements. We’ll provide the documents they request once your policy is approved.
What if I need insurance today?
We often provide fast quote options for qualified properties. Timing depends on the home’s eligibility, underwriting, and the information you provide.
What if my home is in a wildfire area?
We’ll review the available markets. If standard homeowners insurance isn’t available, we can discuss California FAIR Plan coverage with a companion DIC policy.
Close On Time. Move In With Confidence.
Don’t let homeowners insurance become the reason your closing is delayed.
Our experienced team is ready to help you secure the coverage your lender requires so you can focus on moving into your new home.
Get Your Free Home Insurance Quote Today
Talk to Real People. Get Real Answers.
✔ Fast Home Insurance Quotes
✔ Serving California Since 1995
✔ Independent Insurance Agency
✔ Multiple Insurance Companies
✔ Phone • Text • Email • Office Visits
Starwest Insurance Services
13752 Goldenwest St.
Westminster, CA 92683
Office: (714) 893-7271
Text: (714) 231-0897