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. Haven includes insurance setup in your pre-closing checklist so it doesn't sneak up on you.

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 vary significantly, 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. You need both, but they cover different things. Insurance protects against the unexpected; a warranty handles the inevitable.

Yes. Haven can help you understand what coverage you need and show you options based on your home's details. We're not an insurance broker and don't earn commissions, so the goal is to help you find appropriate coverage — not the most expensive policy. Your lender may also require specific coverage minimums.

Review your policy annually, typically at renewal time. If you've made significant improvements — a new roof, an addition, or a major renovation — update your coverage right away. Underinsurance is a common and costly mistake. Haven sends a reminder at your policy renewal date so it doesn't get missed.