Home Buyer Insurance Checklist Before Closing in NH & MA

Insurance can become a last-minute closing problem if the lender needs proof of coverage, mortgagee details, flood information, or premium numbers quickly. Use this checklist before closing on a home in New Hampshire or nearby Massachusetts.

The Mello Agency helps buyers review coverage questions before closing so the insurance conversation is clear, practical, and focused on the home you are actually buying.

• Property address, closing date, and expected effective date.
• Purchase agreement, lender name, and mortgagee clause if available.
• Year built, square footage, roof age, heating type, basement details, and updates.
• Current or prior insurance information if available.
• Any flood determination, lender flood requirement, elevation certificate, or flood quote request.
• Whether you want auto, umbrella, life, mortgage protection, or flood reviewed at the same time.

• Waiting until the last few days to ask for a quote.
• Confusing purchase price with rebuild cost.
• Assuming flood insurance is included in home insurance.
• Forgetting to review water backup, liability, and personal property.
• Not checking whether home and auto should be reviewed together.
• Buying only what the lender asks for without understanding the coverage.

First-Time Home Buyer Insurance | Homeowner Insurance Center | Flood Insurance for Homeowners | Home & Auto Bundle Review

When should I start the insurance quote before closing?
As soon as you have an accepted offer is a good time to start. Waiting until the final days can create unnecessary pressure.

Does my lender choose my coverage?
Your lender may have minimum requirements, but you still need to understand whether the policy fits your household and risk tolerance.

Should I review flood insurance before closing?
Yes. Flood questions can affect lender approval, timing, and total housing cost.