Instant answers to our most
frequently asked questions.

Movement Insurance is your agency. We are an independent agency, so we work with several different insurance carriers. We work for you to make sure you get the best coverage and rates. You can call us at anytime to help with any of your policy needs. Your insurance carrier is listed on your actual policy.

Just give us your mortgage info and closing date, we will bill the insurance to be collected at closing.

We use several factors like square footage, number of bathrooms, location of home, materials used, etc. We then enter this data into a "replacement cost estimator", this gives us an up-to-date range of what it would cost to rebuild your entire home. Land value is not a factor in this number, as we are just calculating the replacement cost of the structure.

We use special software and details of your property to calculate the replacement value of your home. Insurance replacement cost is often different than the appraised amount.

No. You are in control of your insurance policy. You chose the carrier, coverage, and prices that fits your needs.

If you escrow your home insurance, you will pay estimated monthly payments towards your annual home insurance premium. This is lumped in with your house payment. Each year, when your homeowner’s policy renewal is sent out, your mortgage company will pay the annual premium with the money you have been paying into this account. If you do not escrow your home insurance, you can call us to pay your bill.

You can call Movement Insurance, or you can call the number listed on your bill to pay via check EFT or card. You may also mail payment if that is an option.

Potentially, in many cases it depends on the type of claim you file. Many insurance companies increase rates or may even cancel coverage by your claims history. Call us to discuss specific details.

We work with several highly rated insurance carriers. We make sure that we have a good working relationship with the carriers in which we place business.

That’s why we are here! As your broker, we can work on your behalf to make sure claims and service issues are handled to your satisfaction.

In Many areas, insurance rates fluctuate over the years. If your rate increases, we can always shop your coverage to see if we can find a carrier that will offer you a better deal.

Home, Auto, rental homes, condo, renters, umbrella, motorcycle, boat, ATV, business, personal articles, jewelry, and more.

Not necessarily, but we can usually get you a better rate and sometimes better coverage if we manage all of your insurance needs.

It's free!

Visit our homepage and start the process or give us a call, whichever works better for you.

No, but we can easily get this quoted for you.

Everyone is in a flood zone, but certain zones are considered lower risk, so mortgage companies do not require you to have a flood policy. We believe that everyone should consider purchasing this important coverage.

Yes, you can typically qualify for a preferred risk policy.

We do not charge separate fees. Our commission is included in your total policy premium.

Many insurance companies use credit and insurance score as a rating factor. This is typically a soft inquiry on your credit and does not interfere with the mortgage process.

Many insurance companies conduct exterior inspections. This is simply to make sure there aren’t any liability or future claims exposures on the property. If you are asked to repair something, it is typically to protect you from having a claim in the near future.

Minutes! As soon as we have all the information we need from you and receive the signed application, we can have the proof of insurance over within minutes. Sometimes seconds.

Call us or email us.

You can visit our claims page and call the insurance company direct (usually the fastest approach). You can also call us, we can help you or answer any questions you have.