Insurance requirements for VA home loans in South Carolina and Georgia. As a veteran-owned independent agency, Total Quality Insurance understands military family needs. We help veterans and active-duty service members meet VA lender insurance requirements while saving money with 30+ carrier options.
Every VA lender requires homeowners insurance. Here's exactly what you need to close on your VA loan:
Must equal the lesser of your loan amount or 100% replacement cost of the home
Must be effective on or before your closing date — no gaps in coverage allowed
Your lender must be listed as the mortgagee on the policy declarations page
First year premium must be paid at closing or escrowed into your monthly payment
Required if property is in a FEMA-designated Special Flood Hazard Area (Zone A or V)
In coastal SC areas, separate windstorm coverage may be required by your lender
Work with a VA-approved lender to determine your loan amount and property requirements.
The VA appraisal will determine the home's value and identify any minimum property requirements (MPRs).
Call 706-434-8184 or request a quote online. We'll compare 30+ carriers to find your best rate that meets VA requirements.
We send the declarations page directly to your lender, ensuring all mortgagee clauses and coverage amounts are correct.
With insurance in place, you're ready to close. Welcome home, and thank you for your service!
Helping military families near Fort Eisenhower and beyond:
We understand VA loan requirements. Let us help you close on your new home.