Under contract? Insurance done before closing.
Price the house before your inspection period ends, and Amy sends the binder straight to your lender and title company.
- No account, no spam
- Your information is not sold as a lead
- Free. Carriers pay us, not you
Your lender needs a binder. Your title company needs it by Thursday. Covered.
REVOL Insurance sits on the same team as REVOL Real Estate, All Western Mortgage and Raven Title. Insurance is the step that most often holds up a closing, so we run it on the same timeline as everything else.
- Under contractPrice the house before inspection endsRoof age and the home's claims history can change the price, or the carrier. Know before you are locked in.
- About 2 weeks outBind the policyAmy sends the binder and evidence of insurance straight to your lender and settlement team.
- Closing dayKeys, and nothing left to chaseYour auto moves to the new address and gets re-bundled for the multi-policy discount.
Rebuild cost, not the price on the contract.
It is the single most common place homeowners end up underinsured. Get a rough number in thirty seconds, then price it.
This is the number your dwelling coverage should be, not the price on the contract. Land does not burn down, so it is left out, and a house that sold for less than it costs to rebuild still needs the full rebuild amount.
A rough guide built from typical Maryland and Virginia construction costs. Your agent runs a full replacement-cost estimate before binding.
Comparison-site speed, without the comparison-site phone calls.
- Answer a few questionsZIP, drivers, vehicles, the house. No names, license numbers or VINs, just what moves a premium.
- See your range across 10 carriersEvery carrier prices the same person differently. You see the spread, and whether bundling or splitting carriers comes out ahead.
- Amy makes it realRuns your full details with the lowest carriers and calls or emails you a bindable quote. Nobody else gets your number.
Same side-by-side comparison. Very different day after.
National comparison sites are great at the first 60 seconds. What happens to your phone number next is where they differ.
Carriers compared
Who contacts you
Your contact information
Rate jumps at renewal
At claim time
Buying a home
Cost to you
| Feature | REVOL Insurance | Online comparison sites | Single-company agent |
|---|---|---|---|
| Carriers compared | 10 appointed carriers, priced locally | Many, through partner networks | One company only |
| Who contacts you | Amy, and only Amy | Often several partner agents or carriers | That company’s agent |
| Your contact information | Stays with REVOL, never sold | Commonly shared with partners | Stays with that company |
| Rate jumps at renewal | We re-shop it across carriers | You start over | Nowhere else to move you |
| At claim time | Your agent goes to bat with the carrier | You call the carrier yourself | Agent can help |
| Buying a home | Binder sent to your lender and title | On you | Varies |
| Cost to you | $0 | $0 | $0 |
Your premium is a multiplication problem. Here is the worksheet.
Carriers start with a base rate, then multiply by a factor for each thing they know about you. Change an input and watch the math move. It is the same engine behind the rate check.
Illustrative factors modeled on how filed personal-lines rating manuals are structured. Your real premium depends on underwriting and each carrier's own filed rates.
Straight answers before you share a phone number.
When should I get homeowners insurance when buying?
Start during your inspection period, as soon as you have the inspection report. Roof age and the home’s claims history can change the price or the carrier. Bind about two weeks before closing.
Can you send the binder to my lender?
Yes. Amy sends the binder and evidence of insurance directly to your lender and settlement team, whether or not you work with REVOL Real Estate.
How much dwelling coverage do I need?
The cost to rebuild the house, not the purchase price. Land does not burn down, so it is left out. Use the rebuild calculator above for a starting number; your agent runs a full replacement-cost estimate before binding.
Why does the roof’s age matter so much?
Roofs drive the biggest claims. Past about 15 years, several carriers decline the house or pay roof claims at actual cash value. An independent agent can place an older roof with a carrier that wants it.
What is a CLUE report?
A claims history for the property. Claims by the previous owners can affect the price, which is why it is worth checking before your contingencies run out.
Do I need flood insurance?
Your lender requires it if the house is in a high-risk flood zone. Elsewhere it is optional and often inexpensive. Federal flood policies usually have a 30-day wait, except when bought with a new mortgage, so ask early.
Sixty seconds to see if you are overpaying.
Start with your ZIP. You will see a range across 10 carriers before we ask for a single piece of contact information.
Rate check figures are estimates for comparison only, not offers of insurance or bindable quotes. Coverage is subject to underwriting, eligibility and each carrier's filed rates and forms. Carrier availability varies by state and line of business. Carrier names and logos belong to their owners and identify companies REVOL is appointed with; showing them does not imply endorsement. Amy Kalb, licensed in Maryland.