Opening January 2027 in Massachusetts
You need a binder by closing.
You also need someone to look at all of it.
The lender’s deadline is real, and we can’t place policies before January. If your closing can’t wait, arrange the binder yourself for now, with your current carrier if you can, tell us the closing date, and your household goes first when we open. Everyone else joins the line behind them, and we take households from it in order, because looking at all of it properly is the whole point and we will not do it badly at volume. But a house doesn’t just join your insurance, it changes it. The cars, the umbrella you set up years ago, the place on the Cape — adding a property is the moment the seams between those policies start to matter, and the one time you’d actually notice. So we look at all of it, once, properly. Then you stop thinking about it.
Tell us about the house — and the rest of it
You’re on the list.
We’ll email you the moment we launch — nothing else to do until then. When your turn comes, the review runs overnight, and a licensed broker reads the results before you see them.
Common Questions
Yes. Your mortgage lender will require proof of homeowners insurance (often called an insurance binder) before closing. Most lenders need this at least a few days before the closing date. Since we are looking at the house anyway, we look at the rest of the household in the same pass — that is when the seams between policies show up.
Because the expensive problems usually sit between policies rather than inside one — a liability limit on the auto that the umbrella quietly assumes is higher, a second property nobody ever told the umbrella about. Adding a home is the moment those seams move, and that is the reason we look, not a number we lead with. We will tell you exactly what we found for your household. Our Massachusetts home + auto bundling guide walks through when a separate-carrier setup can actually beat the bundle.
Two to three weeks before closing is comfortable. We can’t place policies before January, though, so if closing can’t wait, arrange the binder yourself for now, with your current carrier if you can, tell us the date, and your household goes first when we open.
No problem. We'll look at your current rate against bundled options. If bundling is the better fit, we'll help you switch. If your current carrier is already the right answer, we'll tell you that too — we're not paid to push any particular company. In the filings we’ve read, carriers that write both auto and home let a home policy earn a credit on the auto side, but not by the same amount: some take a flat 6% to 15% off the auto premium, and others set it coverage by coverage, from nothing on some parts to about 35% on one — and some carriers credit a home policy held with a different carrier. See the full reading of the filings for more.