Play video: Get Your Insurance Quote FirstGet the quote before your inspection period ends
No one ever mentions this, but it matters. Get your homeowners insurance quote before your inspection period ends, not the week before closing.
That quote is part of your monthly payment. An older roof, an older heating system, or past claims on the house can change what you pay each month. I want you to have the number in hand while you still have time in the contract, not when you're a week from closing.
For the full Connecticut buyer walkthrough, including inspections and closing, see my buying a home in Connecticut guide.
If you're selling, pull your CLUE report first
If you're selling, there's a report for the claims history on your home. It's called a CLUE report. You can request it from LexisNexis, free once a year. Pull it before you list, so nothing in it is a surprise to you or your buyer.
CLUE stands for Comprehensive Loss Underwriting Exchange. LexisNexis Risk Solutions will provide one free report every 12 months if you request it. You request your own report. Start at the LexisNexis consumer request page, or see the CFPB page on LexisNexis C.L.U.E.
If you're getting a house ready to sell, start with the seller guide.
Who I send my clients to
Do you need to get a quote or have questions about insurance? I send my clients to Lou at Archer Insurance. Lou and his team are there and ready to help.
When buyers ask me for a name, Lou Levesque at Archer Insurance Agency is my preferred homeowners insurance agent. You're free to work with anyone you choose. You can get a homeowners insurance quote on Archer's KW Legacy Coverage page, or see Lou's details on my buyer guide.
I'm Fred Moore of Keller Williams Legacy Partners. Comment QUOTE on the video and I'll send you the questions to ask before it's too late. Or contact me and we can talk through your next step.
Frequently asked questions
When should I get a homeowners insurance quote when I'm buying a house?
Get your homeowners insurance quote before your inspection period ends, not the week before closing. The quote is part of your monthly payment, so you want the number while you still have time in the contract.
Can an older roof or heating system change my insurance quote?
Yes. An older roof, an older heating system, or past claims on the house can change what you pay each month.
What is a CLUE report?
A CLUE report is the claims history on your home. CLUE stands for Comprehensive Loss Underwriting Exchange. Past claims on the house can change a quote.
How do I request a CLUE report?
You can request it from LexisNexis, free once a year. As the homeowner, you request your own report. LexisNexis Risk Solutions provides one free report every 12 months if you request it. Start at the LexisNexis consumer request page.
Who do you recommend for homeowners insurance?
I send my clients to Lou at Archer Insurance. Lou Levesque at Archer Insurance Agency is my preferred homeowners insurance agent. You're free to work with anyone you choose.
Buying or selling in Connecticut?
I'll help you think through the timing, including when to get the insurance quote and what to pull before you list.
See the buyer guide See the seller guide Contact FredGeneral information only, not insurance, legal or financial advice. Confirm quotes, coverage and claims-history reports with a licensed insurance agent or the report provider. Equal Housing Opportunity.