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Home Insurance Before Closing in Boca Raton, FL

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Realtors and loan officers: hand the buyer to a licensed agent early, and the policy the lender asks for gets priced with several companies well before the closing table.

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The short version

Home insurance before closing in Boca Raton stays on schedule when the roof, the inspection reports, the condo paperwork and the flood zone are handled in the first week of escrow. Send the buyer here with whatever the seller can share, and a licensed agent prices the home with several companies ahead of the closing date.

  • An older roof earns an inspection before a replacement demand
  • Referred buyers get a phone call by hand, never texts
  • Print the checklist and keep it in the deal file

Call (561) 973-9998 and a licensed Florida agent runs the comparison with you.

Call (561) 973-9998Rather type it out? Use the form
Palm-lined plaza at Mizner Park in downtown Boca Raton, Florida
Palm-lined plaza at Mizner Park, downtown Boca Raton

Realtors, loan officers and title agents: the buyer's home insurance rests on reports and paperwork that someone has to chase. Start it the week the contract is signed and the policy is ready when the closing date arrives.

Order the insurance in the first week of escrow

A home insurance quote is only as good as the facts under it: the roof's age, the inspection reports, a condo's master policy, the flood zone. Asked for in week one, each arrives with time to spare. Asked for in the last week, any one of them can push the closing date.

Home details to send at contract

The buyer's name and phone, the property address, the closing date and the lender. Add the seller's declarations page and any roof, 4-point or wind mitigation report the seller can share.

Before the inspection period ends

Book the 4-point and wind mitigation inspections with the home inspection, so a problem surfaces while there is time to fix it.

Closing week: the policy and the lender

Once the buyer picks a policy, the lender goes on it as mortgagee, and proof of insurance effective on the closing date goes to the lender and the title agent.

Roof Age and the 4-Point: Get the Reports Before a Company Asks

Florida's roof-age rule is in s. 627.7011. While the roof is younger than 15 years, an insurer cannot decline to write or renew a homeowner's policy just because of its age. Once the roof is 15 or older, the homeowner can have an authorized inspector check it, at the homeowner's own cost, before the insurer requires a replacement, and if the inspection shows 5 or more years left in the roof, the insurer may not turn the policy down over age alone. More in the roof age guide.

A 4-point inspection is a separate report on the roof, electrical, plumbing, and heating and air conditioning. Whether a company wants one depends on the company and the home. Older water heaters and AC units, aluminum branch wiring and certain electrical panel brands draw attention; the 4-point guide covers what to fix first.

Wind Mitigation: Put the Home's Storm Features on Paper Early

Boca Raton sets design wind speeds citywide because it sits next to Broward County's High Velocity Hurricane Zone, as the city's Wind Loads memorandum explains. A wind mitigation inspection writes down a home's wind-resistant features, and s. 627.0629 requires residential property rate filings to reward windstorm mitigation features with actuarially reasonable discounts or credits. Ask the seller for an existing report, or book one with the 4-point; the wind mitigation guide explains which features count.

Condo Closings: Line Up the Master Policy and the Unit Policy Together

Florida's Condominium Act, Chapter 718, sets what a condominium association must insure. That leaves two policies to match: the association's master policy and the buyer's own unit coverage, often an HO-6. Ask the association or its manager for the master policy's declarations in week one, because the unit quote is built around what that policy does and does not cover. In an HOA community, check the association's documents for insurance the owner must carry.

Citizens on the Seller's Side: The Buyer Still Needs a Policy of Their Own

If the seller is insured with Citizens Property Insurance, the state insurer, that policy and any takeout offer stay with the seller. The buyer needs a policy in the buyer's own name, though the seller's declarations page still shows how the home has been insured. If the buyer's coverage ends up with Citizens, s. 627.351 makes flood insurance a condition of Citizens coverage for personal lines residential risks on a phase-in schedule, with condominium unit owner policies and policies without wind coverage exempt. The Citizens depopulation letter guide explains takeout offers.

Flood Zones: Map the Parcel While There Is Time to Shop

Treat flood as its own line item. In week one, check the parcel's zone with FEMA's Flood Map Service Center and the county's flood information page, then read the lender's written conditions on flood coverage. If flood coverage is needed, the agent quotes it with the home so both can start on the closing date.

Refer a Buyer: Hand Off the Insurance in One Short Form

Fill in the form below and attach the seller's declarations page or any inspection report you have. Matt Williams and the licensed insurance agents on his team call the buyer, confirm the home's details and price it with several companies. The buyer makes the choice.

The consent box covers you, the referrer, at the number you give. The buyer has not agreed to automated contact, so the buyer is called by hand only: no texts and no autodialer.

This consent covers you, the person sending the referral. The buyer has not given one, so the agent reaches the buyer by hand only: a personal phone call, with no texts and no automated dialing. Sending a referral does not bind, cancel or change any policy.

Home Insurance Before Closing in Boca Raton: Keep This Checklist in the File

One page, in the order the items come up. Print it for the file or save the PDF; a scan of its QR code opens the referral form.

Questions From Realtors, Lenders and Title Agents

How early in escrow should the buyer's home insurance start?

In the first week, because the roof, inspection, condo and flood items all feed the quote and each takes time to collect.

Will you text or auto-dial a buyer I refer?

No. Your consent on the form covers you alone. The buyer is phoned by hand, with no texts and no autodialer.

Does a quote lock in coverage on the closing date?

No. A quote is a price, not coverage. Coverage starts only when the company issues the buyer's policy, effective on the closing date.

Still weighing it?

Go through your declarations page with a licensed Florida agent; there is no charge for the call.

(561) 973-9998Or leave your details

Compare before the renewal arrives

Describe what you have once. A licensed Florida agent checks it against several companies for Boca Raton, Palm Beach County and nearby towns, and the decision stays yours.

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