NEW HOMEOWNERS · UTAH
A closing date is a coverage date, too. Review rebuilding, belongings, liability, and lender requirements before you rely on a new policy—and before you cancel the old one.
Market price, land value, and the mortgage balance are not substitutes for a replacement-cost discussion. Construction, square footage, finishes, and a roof or basement update change the details used to review a home policy.
Ask when the home policy should begin and whether you still need renters coverage during a move. A gap between addresses, or canceling too soon, can leave belongings or liability unaddressed. Confirm the transition before ending a policy.
Standard homeowners policies generally exclude flood and earthquake or earth movement. A lender, a location near water, or a Wasatch Front address does not automatically add those coverages. Ask about separate policies or endorsements and what they would exclude.
The quote form accepts an optional declarations page. Share only documents you are authorized to provide and redact sensitive information first.
Ask for an effective date that matches your closing or occupancy, and confirm any lender requirement. If you still have belongings in a rental, ask whether renters coverage should continue during the move.
No. Purchase price, land value, and mortgage balance are not the same as a rebuilding review. Bring construction and upgrade details so the conversation reflects the home you are buying.
Generally no. Those losses are commonly excluded. Ask about separate coverage, deductibles, and exclusions for the specific property rather than assuming a location or lender automatically fills the gap.
A GOOD PLACE TO START
Choose what you’d like to review and send a quote request to Trenton.
