Why it requires attention
The servicer can charge the borrower for this coverage. It is generally more expensive than insurance the homeowner arranges and may primarily protect the lender's interest. Do not assume it provides the belongings, liability, or temporary-housing protection you want.
A notice can follow a genuine coverage gap or a problem documenting an existing policy. Read the explanation and compare the dates with your insurer's records. Keep the notice, policy evidence, and correspondence together.
Respond with accurate policy evidence
If your own coverage is active, send the proof the servicer requests and ask it to review the charges and placement. If it has ended, contact your insurer or agent about available reinstatement or replacement options. Neither is automatic, and a new policy does not necessarily erase a past gap.
Once appropriate coverage is in place, provide evidence and request cancellation of unnecessary lender-placed coverage. Ask how any overlapping charges will be handled. CFPB resources explain dispute and complaint options if the records remain incorrect.
Use the nonrenewal action guide and insurance-shopping checklist to organize the search. Confirm an actual effective date rather than treating a quote as coverage.
Common questions
Will buying a new policy remove all past charges?
Not necessarily. A later policy may leave an earlier gap. Provide accurate effective dates and ask the servicer to review any overlap or error in its charges.
Sources and further reading
Program rules and insurance terms can change. Check the linked agency or program before relying on eligibility, coverage, or local requirements.
General educational information. This website does not issue policies, bind coverage, or provide emergency alerts. Coverage and eligibility require individual review.