However, there are a few clues you can look for that may indicate whether a house has homeowners insurance:
- Check the county records: Some states require that homeowners register their insurance policies with the county clerk. If this is the case in your state, you may be able to find the policy number and contact information for the insurance company at the county courthouse.
- Look for a Certificate of Insurance: When a homeowner purchases homeowners insurance, they are issued a Certificate of Insurance. This document provides proof of the insurance policy and typically includes the policy number, the policyholder's name, and the insurance company's contact information. Homeowners may display the Certificate of Insurance on their property, near the front door or inside the house, for easy access.
- Contact the title insurance company: If you're buying a house, the title insurance company may be able to provide you with information about the seller's homeowners insurance.
- Check for a fire escape ladder or sticker: Some insurance companies require that homeowners have a fire escape ladder on the premises, and some will place stickers on the front door or windows indicating that the house is insured.
- Ask the seller: If none of the above methods yields any information, you can always ask the seller if they have homeowners insurance. They may be able to provide you with a copy of the policy or the contact information for the insurance company.
