How does my insurance company confirm that I own my home?

Answered by Home Insurance, Car Insurance Expert Alexah on December 30, 2020

I got a quote for car insurance and the carrier is offering me a discount for being a homeowner. How does the carrier confirm that I own my home? Do I have to submit documents?

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Alexah

Home Insurance, Car Insurance Expert

Carriers are often able to confirm that you own your home by using their reporting systems. If they are unable to verify that you own your home, they may ask for proof in the form of a declarations page for your current homeowners policy, a copy of your tax statement, a mortgage coupon, or a copy of the deed to your house. If they cannot confirm that you own your home with their reports, and if you are unable to provide proof, the discount will be removed.


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