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Question: Refinancing and Homeowners Insurance

C Spaker
Christopher R. Spaker, AMP
President, CNB Mortgage Company
(585) 385-2370 x50955

Do I need to let my homeowners insurance company know that I'm refinancing my mortgage?

Yes. Once you've received a commitment letter for your refinance, call your insurance company or agent. Generally, you'll need to provide the name, address, and phone number of your new mortgage lender so that your policy can be updated and proof of insurance issued.

When your insurance company or agent sends you an updated copy of your policy, make sure that your new lender's information is correctly reflected on the policy (assuming your lender asks to be listed as loss payee) so that the lender can be sent policy updates or notified of insurance claims.

Source: Broadridge Investor Communication Solutions, Inc.

Home Town Funding d/b/a CNB Mortgage Company - Licensed New York Mortgage Banker, NYS Department of Financial Services, NMLS ID 213408

CNB Mortgage Company is a wholly owned subsidiary of Canandaigua National Bank & Trust.