For mortgage professionals

An insurance partner for mortgage brokers, lenders, and loan officers

Loan files stall when the hazard insurance is missing, wrong, or late. Kaufman Insurance Group helps your borrowers compare homeowners insurance from multiple companies and, with their permission, sends evidence of insurance with the correct mortgagee clause once they choose a policy.

Book a 15-Minute CallCall (330) 486-8404
  • Homeowners, condo, landlord, mobile home, and flood insurance
  • The correct mortgagee clause and loan number on the evidence
  • Updates when a loan is refinanced or the servicer changes

Personal & Commercial · Quick Quotes – Good Rates · Great Companies

As an independent agency, we compare homeowners insurance from the companies we work with, so your customers are not limited to one company’s price or rules. Which companies can quote a customer depends on what they want to insure, where they live, and each company’s own rules.

  • GEICO
  • Progressive
  • National General
  • Grange
  • Liberty Mutual
  • Travelers
  • Nationwide
  • Foremost
  • Chubb
  • The Hartford
  • Lemonade
  • Hagerty
  • Clearcover
  • CNA
  • Hiscox
  • State Auto
  • Steadily
  • Obie
  • Open Road
  • Neptune Flood

These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.

What your customers need

What your borrowers need for the loan file

Every purchase loan needs proof of hazard insurance before closing. Hazard insurance is the lending term for the property coverage on a homeowners policy. The policy has to meet your dwelling coverage and deductible requirements, and it has to list the lender correctly in the mortgagee clause, the part of the policy that protects the lender if the home is damaged.

If the premium will be handled through escrow, the lender collects part of the insurance cost with each monthly escrow amount and sends it when due. Underwriting may need the first year’s premium due at closing and an invoice or receipt from the agency. Mismatched names, a missing loan number, and the wrong mortgagee address are common reasons a file goes back for corrections.

Refinances bring the same issues in a different order. The borrower already has a policy, but the mortgagee clause has to be changed to the new lender, and the new lender may have different coverage requirements. If the property sits in a special flood hazard area, which is a high-risk zone on federal flood maps, flood insurance will be required on a federally backed or regulated loan.

Purchase borrowers

They need a policy in place, with the correct mortgagee clause, before closing.

Refinance borrowers

Their existing policy needs the new lender added and may need coverage changes.

Flood zone properties

A property in a high-risk flood zone needs flood insurance that meets federal and lender rules.

Investors and second homes

A home the borrower will not live in usually needs a landlord or other non-owner policy.

How we help your customers

How Kaufman helps your borrowers

Your borrowers work with a licensed agent who knows what underwriting looks for and gets the insurance documents right the first time as often as possible.

Quick quotes

We work to quote borrowers quickly once we have the property details. Timing depends on the home and each company’s review.

Multiple companies compared

We compare homeowners and flood insurance from multiple companies, which helps with older homes and harder-to-place properties.

Evidence of insurance handled

With the borrower’s permission, we send evidence of insurance, the declarations page, and an invoice or paid receipt when the lender asks for them.

Coverage that meets requirements

Dwelling amount, deductible limits, and flood requirements, checked against what your lender asks for.

What you can expect from us

What you can expect when your borrowers call us

We do not pay for referrals, and we do not ask for anything in return. What we offer is careful, responsive service on the insurance piece of the file.

Accurate documents

We check names, the property address, the loan number, and the mortgagee clause before sending evidence of insurance.

Responsive corrections

If underwriting asks for a change, we work with the insurance company to update the documents as quickly as its process allows.

A direct contact

Your processors know who to call about a borrower’s insurance, with the borrower’s permission.

Want to know how we handle insurance for loan files? Book a 15-minute call.

Book a 15-Minute CallCall (330) 486-8404

How referrals work

How it works with your borrowers

Simple steps, with the borrower in control of their information.

Fill out the referral form

Fill out our referral form for your borrower, or send them to your personal referral page to fill it out. Either way, the referral is tracked back to you.

We get your borrower quoted

Once the form is in, we contact your borrower and compare options. You or your borrower can also call or text us anytime at (330) 486-8404.

We send proof of insurance

Once your borrower chooses a policy, we send proof of insurance as quickly as we can.

Because home purchases and refinances with a federally related mortgage fall under the Real Estate Settlement Procedures Act (RESPA), we keep these relationships focused on service quality, responsive communication, and accurate insurance documents. We do not give or accept referral fees, gifts, or anything of value for referrals, and your client is always free to choose any insurance agent or company.

Please share a customer’s name and contact details only after they agree to hear from us. Unless you hold an insurance license, leave questions about coverage, limits, and price to our licensed agents.

Common questions

Questions from mortgage professionals

How does Kaufman work with loan officers or mortgage brokers?

Home purchases and refinances with a federally related mortgage are covered by the Real Estate Settlement Procedures Act (RESPA). We keep the relationship focused on responsive service and accurate insurance documents. We do not give or accept referral fees, gifts, or anything of value for referrals, and the customer is always free to choose any insurance agent or company.

What is a mortgagee clause?

It is the section of a homeowners policy that names the lender and its address, often with the loan number. It protects the lender’s interest in the home if there is a covered loss.

Can you send evidence of insurance directly to the lender?

Yes. Once the borrower buys a policy and gives us permission, we send evidence of insurance and the documents the lender asks for.

What happens to the insurance when a loan is sold or refinanced?

The mortgagee clause needs to be updated to the new lender or servicer. The borrower or the new servicer lets us know, and we update the policy.

Can you help with manufactured home loans?

Often, yes. Manufactured and mobile homes have their own insurance options. We compare what is available for the home and its location.

Is the borrower required to use Kaufman?

No. Borrowers are always free to choose any insurance agent or company. A lender can set coverage requirements, and we work to earn the borrower’s business with good service.

Coverage your customers can ask about

Coverage your borrowers can ask us about

All partner programs

See every type of business we work with, how referrals work, and how we follow the rules on referrals.

Back to the partner program

Keep the insurance piece of the file clean

Book a 15-minute call to learn how we work with borrowers and lenders, or call the office when a borrower needs a quote.

Book a 15-Minute CallContact Us

Prefer to talk? Call (330) 486-8404 or send us a message.

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