Home closings · Chandler, AZ

Closing on an Arizona home? We send proof to your lender.

KGB Insurance quotes your homeowners policy, explains the coverage and, once coverage is in place, sends the binder and declarations page to your lender.

Start my closing quote Call (480) 545-8877

• 4.8 from 86 Google reviews
• Hablamos español
• Mon–Fri 8–6 · Sat 8–12

Your closing packet

• Homeowners binder
• Declarations page
• Your lender on the policy

Start as soon as you’re under contract.

Your lender needs proof of homeowners insurance before you close.

Send your closing date early, so there’s time to go over your coverage and check your lender’s clause details.

Who we help

• Home buyers

  Under contract on a house or condo anywhere in Arizona, from Chandler and Gilbert to Phoenix and Scottsdale.

• Homeowners refinancing

  A new loan can mean a new lender on your policy. If your homeowners policy is with our office, we update the mortgagee clause and send proof to the new lender.

• Loan officers and processors

  Need evidence of insurance for a borrower’s file? Email us the borrower’s name and number, and we’ll contact them directly.

KGB Insurance

Licensed agents · English and Spanish

• Allstate exclusive agency
• Serving all of Arizona

“People here are great… The folks here fought & got this resolved.”

Mike Mckinnon, Google review

Have your current declarations page handy

One short call gets you real numbers. Buying your first home? Have your auto or renters declarations page handy instead, so we can see what you have today.

• 4.8★86 Google reviews
• 3,000+Arizona customers
• A large lender networkProof sent to your loan officer or escrow
• Hablamos españolCall or email us, in English or Spanish

Before you close

What we need to send proof to your lender.

Three details to start: the property address, your closing date and your lender’s clause details. With these, we can start your quote, and once coverage is in place we send proof to your lender. Missing one? Send what you have, and we’ll help you find the rest.

Your lender’s insurance requirements are usually in your closing paperwork or an email from your loan officer. Email us a photo of them if that’s easier.

Call the office(480) 545-8877 Email the detailsronaldballard@allstate.com

Closing checklist

Homeowners insurance

1. 01

   Property address

   The home you’re buying or refinancing. The year it was built and the roof’s age and material help too.

2. 02

   Your closing date

   Coverage usually starts the day you close, so your binder shows the date your lender expects.

3. 03

   Lender clause details

   Your lender’s name as it should read on the policy (often followed by ISAOA/ATIMA), their insurance mailing address and your loan number.

Also handy: your current auto policy, if you’d like one local agent for the car and the new home.

For loan officers & processors

Send us the borrower. We send proof once coverage is in place.

We work with a large network of mortgage lenders. Email or call with your borrower’s name and number, the property address, the closing date and the mortgagee clause.

• We reach out to your borrower directly
• We quote the home, and their car if they like
• Proof goes to you, your processor or escrow

Email a referral Call (480) 545-8877

How it works

From contract to closing in three steps.

1. 1

   Send the basics

   Send your ZIP through the form, or email us the property address, your closing date and your lender’s details.

2. 2

   Review your coverage

   We go over the dwelling limit, the deductible and the roof with you by phone, by email or at our office.

3. 3

   Proof to your lender

   Pick your coverage. We send the binder and declarations page to your loan officer, processor or escrow officer once coverage is in place.

Already have a closing date?

Call or email us with it, plus the property address and your lender’s name.

Call (480) 545-8877Email us

Google reviews

Answers and follow-through, in customers’ own words.

4.8 ★★★★★

4.8 / 5 average · 86 reviews

78 of them are five stars

★★★★★Google review

A minor issue came up on my home policy review, Barb got on it, reminded me (a couple of times) and got it successfully resolved. The definition of customer service.

DGDavid Girle ★★★★★Google review

Excellent service; they always answer calls and provide courteous, friendly service. Highly recommended.

GMGonzalo Moreno ★★★★★Google review

Outstanding service from start to finish. My agent was knowledgeable, patient, and truly cared about finding the right policy for me. They explained everything clearly and made sure I felt confident in my decisions. I appreciate the responsiveness and professionalism—definitely a 5-star experience!

KKKneo Knight ★★★★★Google review

Excellent customer service!! Very happy with the outcome of the bundle insurance we purchased.

NVNely Valero ★★★★★Google review

Ronnie made us feel like family, answered all of our questions, and talked us through any concerns we may have had.

WRWillie Ryan

Questions

Closing questions, answered.

When should I start homeowners insurance for my closing?

As soon as you’re under contract. Your lender will want proof of insurance before closing, and starting early leaves time to go over your coverage and check your lender’s clause details. Coverage usually starts on your closing date.

What’s the difference between a binder and a declarations page?

A binder is temporary proof that your coverage is in place until the policy is issued. The declarations page summarizes the policy itself: who’s insured, the address, your coverages, limits and deductibles, and your lender. Lenders often ask for one or both, and we can send either.

What is a mortgagee clause, and what does ISAOA/ATIMA mean?

The mortgagee clause names your lender on your homeowners policy, because the lender has a financial interest in the home. ISAOA/ATIMA stands for “its successors and/or assigns, as their interests may appear,” which keeps the clause correct if your loan is sold. Your loan officer or processor can send the exact wording.

I’m a loan officer. How do I send you a borrower?

Email ronaldballard@allstate.com or call (480) 545-8877 with your borrower’s name and mobile number, the property address, the closing date and the mortgagee clause with the loan number. We’ll reach out to your borrower and send the binder and declarations page to you or your processor once coverage is in place.

Can I add my car when I insure the new home?

Yes. Pick “Quote my car too” on the form, or just ask when we call, and we’ll review your auto policy at the same time. Our auto + home bundle page explains how combining home and auto works.

I’m refinancing. How do I change the lender on my homeowners policy?

Send us the new lender’s name as it should read on the policy, its insurance mailing address and your new loan number. If your homeowners policy is with our office, we update the mortgagee clause and send proof to your new lender or escrow officer. If it’s with another company, ask that company to make the change, or ask us for a quote.

Related coverage

Other policies to quote with the new home.

• Auto + HomeOne agent for both
• HomeMonsoons, tile roofs, pools
• CondoQuotes for condo owners
• Not sure what you need?Email us a photo of your lender’s requirements.

Buying in Arizona

Under contract? Start your homeowners quote.

Call or email us. Have your closing date and your lender’s clause details ready.

Get my quote Call (480) 545-8877 Email us