Where can you find out if a house has homeowners insurance?

Answer 1

There is no central registry of people's homeowner's insurance. That said, there are a couple of ways to try to find the information. However, whether or not they will work may depend in part your motivation for knowing:

1. If, for example, you were hurt at someone's home due to their carelessness, there may be coverage available under their homeowner's policy. To determine the identity of the insurer, you might simply ask.

2. Alternatively, you can be more formal and write a letter reporting the incident and asking that your report or notice be turned over to their homeowner's insurer. Before long, if there is insurance, an adjuster should contact you. An adjuster is a representative of the insurance company whose job it is to assess a claim made against the policy and the insured under the policy. Thos would apply whether the claim was for a physical injury resulting from the occurrence, or property damage.

3. If you know who or what holds the mortgage on the property, you may be able to inquire of that party. Most mortgage companies, or people who have loaned money secured by the property, will require that there exist homeowners insurance on the property. Usually, the lender is concerned that the property is insured so that, in the event of damage, it can be restored to its prior condition. In that way, the value of the property can be preserved if damaged, because the insurer will pay for repairs. Since the lender loaned money based upon the value of the property, it wants to make sure that the property gets repaired and will therefore insist on homeowners insurance.

The identity of the lender (whether it is a mortgage company or an individual) will be shown on the mortgage document. This is a formalized way of asserting a lien on the property to secure the loan. It is recorded in the public records of the county in which the property is located, much like a deed is recorded. Therefore, with the address of the property and the name of the owner, you can find the deed and the mortgage. Then, if you have no other way of determining the homeowner's insurer, you can contact the mortgage holder. This is not a guaranty that he/she/it will disclose the information, but it is a path that you can follow.

Answer 2

Who is the property insurance of a home at 9573 levStreet Arleta California 91331