For real estate agents
An insurance partner for real estate agents and their home buyers
Homeowners insurance is one of the last items on a closing checklist, and one of the easiest to leave too late. Kaufman Insurance Group helps your buyers compare homeowners insurance from multiple companies, explains what the lender needs, and works with the closing team once the buyer chooses a policy.
- Homeowners, condo, landlord, and flood insurance for buyers
- Help with older homes, roof questions, and past claims
- Evidence of insurance sent to the lender and title company with the buyer’s permission
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.
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 home buyers need insured before closing
A lender will not close a mortgage without proof that the home is insured. Most buyers need a homeowners policy that covers the house for at least the amount the lender requires, with the lender named in the mortgagee clause. The mortgagee clause is the part of the policy that lists the lender, so the lender is protected if the home is badly damaged.
Many buyers do not realize how much the house itself affects their insurance options. The age and condition of the roof, the electrical and plumbing systems, the heating system, and past claims on the property can all affect which companies will write the home. Past claims show up on a CLUE report, which is a shared history of insurance claims tied to a property. A home in a high-risk flood zone may also need flood insurance, which a standard homeowners policy does not include.
When these questions come up right before closing, the whole transaction feels the pressure. When the buyer starts the insurance conversation soon after the offer is accepted, there is time to solve problems calmly.
First-time buyers
They need dwelling coverage, deductibles, and liability explained, often for the first time.
Buyers of older homes
Roof age and older wiring or plumbing can limit options, so an early quote matters.
Condo buyers
A condo owner usually needs a unit owners policy that covers the inside of the unit and their belongings, alongside the association’s master policy.
Buyers of rental property
Investors buying a home to rent out need a landlord policy, not a standard homeowners policy.
How we help your customers
How Kaufman helps your buyers
Your buyers work with a licensed agent who explains their options in plain language and handles the insurance paperwork for the closing.
Quick quotes
We work to get buyers a quote quickly once we have the property details. Timing depends on the home and each company’s review.
Multiple companies compared
As an independent agency, we compare homeowners insurance from multiple companies, which helps when one company will not write an older home.
Evidence of insurance handled
With the buyer’s permission, we send evidence of insurance with the correct mortgagee clause to the lender and title company once the buyer buys a policy.
Coverage that fits the home
Dwelling amount, deductibles, water backup, flood, and umbrella options, explained so the buyer knows what they are buying.
What you can expect from us
What you can expect when your buyers call us
We do not pay for referrals, and we do not ask you for anything in return. What we offer is service that helps keep the insurance piece from holding up your closing.
Clear communication
We keep your buyer informed, and with the buyer’s permission we can let you know where the insurance stands.
Early warning on problems
If a roof, a past claim, or a flood zone will make the home hard to insure, we tell the buyer as soon as we know, so there is time to plan.
A direct contact
Your buyers get one agency to call, and you know who to call if a lender asks about the insurance.
Plain-language resources
Buyers can read our homeowners, condo, and flood insurance pages before they talk with us.
Want to know how we work with home buyers? Book a 15-minute call.
How referrals work
How it works with your buyers
Simple steps, with the buyer in control of their information.
Fill out the referral form
Fill out our referral form for your buyer, or send them to your personal referral page to fill it out. Either way, the referral is tracked back to you.
We get your buyer quoted
Once the form is in, we contact your buyer and compare options. You or your buyer can also call or text us anytime at (330) 486-8404.
We send proof of insurance
Once your buyer 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 real estate agents
How does Kaufman work with real estate agents?
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.
When should a buyer start shopping for homeowners insurance?
As soon as they have an accepted offer, or even while house hunting if they have questions. An early start leaves time to deal with a roof, a past claim, or a flood zone before closing.
What is a CLUE report?
CLUE stands for Comprehensive Loss Underwriting Exchange. It is a history of insurance claims tied to a property and to a person, kept by a consumer reporting company. Insurance companies use it when they quote a home, and past water or roof claims can affect options and price.
Does the buyer need flood insurance?
If the home is in a high-risk flood zone and the loan is federally backed or regulated, the lender will usually require flood insurance. Buyers outside those zones can still choose to buy it, because standard homeowners policies do not cover flooding.
Is my client required to use Kaufman?
No. Your client is always free to choose any insurance agent or company. We are one option, and we work to earn their business with good service.
Is the partner program open outside Ohio?
Our partner program is open to businesses in Ohio now, with North Carolina coming soon and more states on the way. Options for a specific home depend on its location and each company’s rules.
Coverage your customers can ask about
Coverage your buyers can ask us about
Homeowners insurance
Coverage for the house, belongings, and liability.
Explore homeowners insuranceCondo insurance
Coverage for a condo unit, belongings, and liability.
Explore condo insuranceFlood insurance
Separate coverage for flooding, which home policies exclude.
Explore flood insuranceLandlord insurance
Coverage for buyers purchasing a home to rent out.
Explore landlord insuranceHome and auto bundles
Buyers can often pair their new home policy with auto.
Explore home and auto bundlesAll 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 programHelp your buyers get insured without the last-minute scramble
Book a 15-minute call to learn how we work with home buyers, or call the office when a buyer is ready for a quote.
Prefer to talk? Call (330) 486-8404 or send us a message.