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Ask the Home Insurance Expert

Our homeowner’s policy is rolled into our mortgage. How do I learn the name of our insurance company?

If you are paying your homeowners insurance policy as part of your monthly mortgage payment, then it would appear that your lender set up an escrow account from which it pays your home insurance company on an annual basis.  If this is the case, then to find out what insurance company your home policy is with should be as easy as contacting your lender.

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Even though you can rely on your mortgage company to tell you the insurance company your homeowners policy is with, you should have a copy of the homeowners policy in your possession. 

As a homeowner, it’s important to have to make sure the limits and deductibles and other specifics of the homeowners policy are correct each year. Also, if you need to make a claim you need to have your home policy information easily available.

Thus, once you do find out the name of your home insurance company, I'd advise you to call your insurer.  Ask for a copy your policy and keep it in a safe place.  I’d also recommend you to write down your household’s current insurance providers -- home, car and life – and the associated phone numbers and keep the paper handy in case you need to contact any of your insurers to change items or make a claim.

Last updated: May. 8, 2014
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