Homeowners Insurance Advice Every Home Buyer Needs To Hear
Buying a home is one of the biggest financial decisions of your life. Homeowners insurance is required by every lender. The biggest struggle can be finding the right coverage, at the right price, with an agent who actually picks up the phone.
Here is how the Concannon Insurance Agency team helped a St. Louis home buyer get to closing day with confidence, even when things didn’t go as planned.
TL;DR: Independent agents access more carriers than you can find on your own. When surprises happen during the inspection, final walkthrough or even on closing day, having Concannon Insurance Agency in your corner means you won’t have to face them alone.
A Dream Home and a 30-Day Window
Longtime Concannon client, Cabanne Howard, finally found her dream house in St. Louis. The moment she went under contract, one of her first calls was to Jim Concannon and his team to set up homeowners insurance.
Required by every lender, lining up homeowners insurance is an important step to buying a home and — with a 30-day window to close — time was of the essence.
Five Insurance Carrier Quotes In 48 Hours
Tammy, VP at Concannon, sprang into action. Within 48 hours, she had quotes from five different insurance carriers in hand.
The initial rates that Cabanne found on her own were non-starters. They would have stopped the purchase in its tracks. Working with Concannon opened the door to a whole pool of carriers that Cabanne wasn’t even aware existed. You simply can’t reach many carriers through a comparison website or a big-box insurance brand.
Once Cabanne shared proof of insurance with her lender and they were satisfied, she could breathe easy as she counted down the days until closing.
What If Something Goes Wrong On Closing Day?
The home Cabanne found is historic. And, to make matters more complex, it is in a neighborhood that sustained major tornado damage less than one year ago.
For insurers, that’s a red flag. For buyers, it's nerve-wracking.
During inspection, it was discovered that the home was in need of a new roof. Then, on the day of closing, an unexpected issue surfaced that could have derailed everything.
This is where experience and relationships matter most. When something goes wrong during a home purchase, here’s what you can do:
Call your agent immediately. Don’t have one? Call Concannon at (636) 537-5611.
Lean on your agent’s experience. The right insurer will understand complex homes and find a path forward.
Stay calm. Your agent’s job is to handle it for you.
Jim and the Concannon team stepped in with creative and knowledgeable solutions. Being willing to go the extra mile mattered the most in this moment.
“Their unflappable and accessible style made the buying process a much less stressful one.”
– Concannon Client, Cabanne Howard, pictured on closing day.
Throughout the entire process, Cabanne had direct access to Tammy and the team. Just a phone call away, Tammy and Cabanne walked through rate options and coverage considerations as the closing process moved forward. That kind of availability is rare, and it made all the difference.
Now, Cabanne’s home is insured and, most importantly, she feels well-informed and stress-free because she has Concannon on her side.
Do I Need an Independent Insurance Agent When Buying a Home?
Short answer: Yes. Here is why it matters:
Independent agents work with dozens of insurers to match you with the right coverage, including ones you'll never find on a comparison site.
You’ll get personal guidance based on your home’s age, location and quirks.
When something goes sideways, you’ll already have an advocate in your corner.
Looking to buy a home soon? Let's talk before the walkthrough. Schedule a call with the Concannon team today.
