The team · Buying a home
Home insurance agent
No insurance binder, no closing, and the quote can surface problems early.
What they do
An insurance agent compares carriers and binds the homeowners policy your lender requires before it will fund the loan. A good independent agent shops several insurers and helps you right-size the coverage.
When you need one
Before closing, but start early. Getting a quote can surface issues, like an old roof, a flood zone, or a history of claims on the property, while you still have room to react.
What to look for
- Replacement cost, not market value, you insure what it costs to rebuild, which isn't the price you paid.
- What's excluded, standard policies don't cover flood, and sometimes limit wind; add coverage where you need it.
- The property's claims history, past claims on the house can raise your premium.
What it costs
The premium is driven by roof age, location, construction and claims history. The cheapest quote isn't the goal, the right coverage is.
See where insurance fits the buying journey. Back to Buying a home →
Keep exploring the team
Everyone on this team, and where each one fits.
Buyer's agent
Represents you, finds the homes, and negotiates the deal.
Explore →Mortgage broker / loan officer
Turns your finances into a pre-approval, a rate and a real budget.
Explore →Home inspector
Finds what a showing can't, and hands you a punch-list.
Explore →Radon, pest & sewer inspectors
The targeted checks a general inspection doesn't cover.
Explore →Appraiser
Values the home for the bank's collateral, not for you.
Explore →Real-estate attorney
Runs the closing, title and escrow, required in Massachusetts.
Explore →New-construction & REO specialists
Builder deals and bank-owned homes each carry their own rules.
Explore →Relocation specialist
Compresses a sight-unseen, deadline-driven purchase and the move.
Explore →See any home scored to you.
The pros get you through the deal. Wiew tells you whether the home fits, sourced, dated, and yours to keep long after the keys.