Embedded Insurance for Mortgage Companies

Insurance That Closes With the Loan

  • One Master Insurance policy.
  • Group buying power – portfolio pricing.
  • Uniformity and certainty of coverages.
  • Lower costs to the home buyer.
  • Zero friction to your processing.
  • Your borrower never leaves your process.
Schedule a Conversation → See How It Works
Happy couple holding keys to their new home
Borrower Savings
vs. Retail Quote
$529/yr
Average savings via group purchasing power
Retail
$2,340
EZ Home
$1,811
Zero Closing Delays
Resolved at approval
Lower Premiums
Group buying power
Happy family
Couple at home
New homeowners

Your homeowners can benefit from group purchasing power. Insurance that's simpler, cheaper, and built in is a win for everyone.

The Problem

Today's Insurance Purchase Process Is Expensive

Borrowers shop insurance separately from their mortgage — Your customers pay more, come under other's control, and delay closings.

3–5
Days lost at closing

Borrowers scramble for binders in the final stretch, stalling funding.

33%
Premiums since 2020

Retail shopping leaves borrowers exposed to market-rate hikes.

$0
Lender revenue today

Insurance compliance is a cost center — not a revenue line.

Think of it like employer health insurance — but for their home. Better coverage, lower cost, and your borrower never leaves your process.

A borrower puzzling over insurance paperwork

The Current System of Insuring Mortgaged Property is too Confusing

Many home buyers, oftentimes in a rush for a closing, struggle to navigate insurance options and understand policy details.

With varying terms across carriers, they sometimes buy coverage without fully grasping the terms.

Family in front of their home

32% of borrowers rate insurance as their #1 pain point at closing.

The Problem

Your Borrowers Love Buying a Home. They Hate Buying Insurance.

Insurance is the #1 non-financial pain point in mortgage closing. Your borrower leaves your carefully designed process and enters a confusing marketplace — confused and under deadline pressure.

"Too Slow"

Shopping takes days. Binders and EOIs delay closings and create last-minute scrambles.

"Too Expensive"

Premiums up 33% since 2020. Borrowers feel blindsided at closing by costs they didn't plan for.

"Too Complicated"

Deductibles, coverage limits, endorsements — Most borrowers don't understand what they're buying.

How It Works

Three Steps. Zero Friction.

Better, Less Expensive Insurance is delivered as part of your mortgage process — not shopped for separately.

1

Master Policy

Your company holds an EZ Home Master Insurance policy — a commercial framework that covers your borrowers with group buying power.

2

Instant Quote at Application

When a borrower applies for a mortgage, EZ Home auto-generates a quote within your workflow. At conditional approval, they opt in with one click.

3

Certificate at Closing

An individual Certificate of Insurance is issued for each location under the Master policy. No last-minute scramble. You keep the relationship through annual renewals.

Think of it like employer health insurance — but for their home. Better coverage, lower cost, and your borrower never leaves your process.

Why EZ Home

Better for Borrowers. Better for Business.

Group Buying Power

Lower Cost for Borrowers

Your borrowers benefit from aggregated volume instead of negotiating alone. Group pricing drives real savings for every home buyer.

Speed

Faster Closings

No more chasing borrowers for binders. Evidence of Insurance is delivered automatically — shaving days off your time-to-close.

Referral Network

Protect Your Best Relationships

Other models cut out referring insurance agents — burning your pipeline. EZ Home appoints them as sub-agents with full commission, so every referral source has a reason to keep sending you business.

Let's Start the Conversation

See how EZ Home can eliminate closing delays and give you and your borrowers a much better deal.

Contact Us →