Closing requirements
Mortgage lenders generally require acceptable property insurance before funds are released.
Protect what you’re building
Need home insurance? Start before closing day.
The right conversation can help you understand coverage, deductibles, lender requirements, and the transition from construction to homeownership before the deadline becomes urgent.
Why it matters
Protect the home—and understand the policy behind it.
Insurance is more than a document requested at closing. It can help protect the home, belongings, and financial position from covered losses.
Deductibles
Review wind, hail, named-storm, and other deductibles—not only the annual premium.
Coverage fit
Ask how dwelling limits, replacement cost, personal property, liability, and endorsements apply.
Home insurance FAQ
Know what to ask before choosing a policy.
When should I start shopping for homeowners insurance?
Start before the final closing steps so there is time to compare coverage, deductibles, exclusions, and lender requirements.
Does homeowners insurance cover the home while it is being built?
Not automatically. Construction-phase coverage may involve builder’s risk or another policy. Confirm responsibilities with the builder, lender, and licensed insurance agent.
Is flood damage included in a standard homeowners policy?
Flood coverage is commonly handled separately. Ask the insurance agent to review the property and whether separate flood coverage should be considered.
Why compare more than the premium?
Compare coverage limits, replacement-cost provisions, deductibles, exclusions, endorsements, claims support, and carrier information—not only price.
Do I have to use Golden Crest Homes’ insurance partner?
No. You may choose any licensed insurance provider. TAP Insurance Agency is offered as a convenient independent resource.
Request a Quote from TAP
Golden Crest Homes is not an insurance agency. TAP Insurance Agency is a separate business, and customers may choose any licensed provider.