Evidence of Insurance for Closing: What Lenders Check

Title can't close until the lender clears insurance. That usually means an evidence of insurance and an invoice or paid receipt, checked line by line against the loan.

The documents

Property coverage is shown on an evidence of property insurance (ACORD 27 or the carrier's own evidence). Liability is shown on a certificate of liability insurance (ACORD 25). Flood has its own evidence - the declarations page or an evidence of flood insurance (ACORD 29) - because it is a separate policy. Most lenders also want the invoice or a paid receipt for the first year.

What the lender checks

The named insured matches the borrowing entity; the property address matches the loan; the policy dates cover the closing date; the dwelling amount meets their minimum; the deductible is within their cap; the mortgagee clause and loan number are exactly right; and the policy type fits the property - landlord, builders risk or vacant.

Why evidence comes back

The usual reasons are a missing ISAOA/ATIMA, an old lender address, an LLC name that doesn't match the loan documents, or a coverage amount below the loan. Each is a quick fix when caught before the closing date.

Timing

Start as soon as you're under contract. With the address, the entity name and the lender's details, we usually send the evidence of insurance and invoice to the lender the same business day, copying the processor and loan officer you name.

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