Home Insurance

Yes. Your lender will require proof of homeowners insurance before they fund the loan — typically at least 24–48 hours before closing. You'll need a declarations page showing coverage is active as of your closing date. Don't leave this to the last minute.

Standard homeowners insurance covers your home's structure, your personal belongings, liability if someone is injured on your property, and additional living expenses if your home becomes uninhabitable. It does not cover floods or earthquakes — those require separate policies. Coverage limits and what's covered vary significantly from location to location, so it's worth reviewing your policy carefully.

Homeowners insurance covers damage from events like fire, storms, or theft. A home warranty covers breakdown of appliances and systems — like your HVAC, water heater, or dishwasher — due to normal wear and tear.

Yes. Haven can help you understand what coverage you need and show you options based on your home's details and your location. Your lender may also require specific coverage minimums.