Insurance Finder

Home Helper's Insurance Finder

What type of insurance are you looking for? Home Helper can get you in touch with a few different companies who deal with home owners insurance, Title-Insurance">Title Insurance, Mortgage-Insurance">Mortgage Insurance, renters insurance, and other miscellaneous types of insurances.

Home Owners Insurance

Home owners insurance is one thing you can’t avoid. Most mortgage lenders require an insurance policy be taken out on a home within one day of Closing. Since you cannot get out of it, the next best thing to do is save some money. There are many insurance companies looking for new customers. It is best to let these companies know that they are competing for you business. A good way to get quotes is to use an online quote system like ours. Our program submits your information to many different insurance companies, and they all compete for your business.

Renters Insurance

Renters insurance is necessary because your landlord’s insurance only cover the building not your belongings. Without insurance of your own, you could be left with nothing in event of a fire or burglary. If someone comes to your house or apartment and hurts themselves, your landlord’s insurance won’t pay for their medical expenses either. Clearly, renters insurance is a very affordable way to prepare for the worst.

Mortgage Insurance

Mortgage insurance sometimes is referred to as private mortgage insurance, or PMI, to distinguish it from FHA and VA insurance, which are run by government programs. The cost of mortgage insurance varies depending on the size of the Down Payment and the loan, but it typically amounts to about one half of 1 percent of the loan. If your down payment on a home is less than 20 percent of the appraised value or sale price, you must obtain mortgage insurance.
With mortgage insurance, the Borrower pays the premiums, but the Lender is the beneficiary. The coverage protects lenders against the borrower's Default. If a borrower stops paying on a mortgage, the insurance company ensures that the lender will be paid in full. Mortgage companies pick insurance providers for their customers, but the borrowers have to foot the bill. Usually, they do so in monthly installments. But some lenders offer programs whereby the borrower pays the entire insurance premium in a lump sum at closing.

Title Insurance

Buying any kind of real estate could very well represent the largest single investment a person ever makes. And real estate, like every other thing of value, is worth protecting. A policy of title insurance is a contract of indemnity between the insured and the insuring company relating to the title of the land described in the policy, protecting the insured against loss of damage by reason of defects, liens or encumbrances of the insured title existing at the date of the policy and not expressly exempted from its coverage.

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