The Foundation of the Protection Ecosystem
Homeowners Insurance is the ultimate entry point for the "Concierge" model. Because it is a mandatory condition of the loan, it offers a 100% potential attachment rate for every borrower in the portfolio.
Automated insurance data flows directly into the closing disclosure, eliminating delays caused by missing binders—the #1 cause of closing friction.
Beyond a policy, HOI ensures the underlying collateral is protected against catastrophic loss, securing both the borrower's home and the lender's investment.
Bundling insurance creates high "switching costs". A competitor's refinance offer becomes less attractive when the borrower has to manually decouple their insurance bundle.
"One-Click" Underwriting: By leveraging existing LOS data (square footage, roof type, property age), lenders can offer pre-filled applications that take seconds, not hours.