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COVID-19 Update:

At RMS and associated firms, business continues as usual. Our staff is remote-capable and available to handle all partners, brokers, and insureds at the present time.
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Home insurance for mortgage Home insurance for mortgage

Jan 21, 2026

Homeowners Insurance

Is Homeowners Insurance Required for a Mortgage?

If you’re buying a home or refinancing one, it’s natural to ask: Is homeowners insurance required for a mortgage? For most homebuyers, the answer is yes. While homeowners insurance isn’t required by federal law, nearly all mortgage lenders make it a condition of approving and maintaining...

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