Greenwich Homebuyer Insurance Checklist

The Warner Agency · October 1, 2026 · Cos Cob, Connecticut

At a glance

Start the insurance conversation before closing. A useful review needs the actual property details, lender requirements, closing date and occupancy plans, followed by separate confirmation of coverage.

Gather the property details early

For a purchase in Cos Cob, Old Greenwich, Riverside or Greenwich, begin with the exact address, construction year, roof age, square footage and major update dates. Identify detached structures, a pool, custom finishes and any planned renovation. Share the expected closing date and ask how to provide supporting documents securely.

Describe how the home will be used

Tell the team whether this will be your primary home, a second home, a rental or vacant during work. Ask about the period between closing and moving in. A purchase followed by substantial construction needs its own review, including the responsibilities of the contractor. Do not assume the seller’s insurance arrangement will fit your plans.

Ask separate questions about water

Homeowners insurance typically excludes flood damage. Discuss flood insurance separately from water backup and other water damage coverage. For a coastal purchase, ask about lender requirements and information needed for an address specific review. A town name alone does not establish the property’s exposure or eligibility.

Compare coverage on the same basis

Ask how the dwelling amount relates to rebuilding the home, rather than the purchase price including land. Compare deductibles, liability, personal property and additional living expense provisions. Bring jewelry or other valuable items into the discussion. Our agency arranges home coverage through multiple companies; available options depend on the property and eligibility.

Close the loop before closing day

Ask your lender what evidence of insurance is needed and when it must arrive. Have a licensed team member confirm coverage and the effective date separately. Then update auto garaging and review umbrella requirements. A new mortgage is also a useful reason to revisit life protection alongside household expenses.

Questions people ask

Does submitting the quote form satisfy my lender?

No. A request starts a conversation. Confirm the policy, effective date and required insurance documents with the agency and your lender.

Can you review homes outside Greenwich?

Our Cos Cob team also serves nearby Connecticut communities, including Darien, New Canaan, Westport and Stamford. The review follows the actual property.