Tiff our lender basically said pick a company and they would order the binder and stuff from our agent and get it squared away. So we are doin our research.. Ill give Chris Jones a call and see what he has to offer.. I currently pay about 280 a month for 3 autos, bike, renters, and special policy All 3 cars have full coverage even the sammy for theft purposes.. I will ask about the insurance coming out of the house payment cuz thats what i thought as well but was unsure if there was a insurance policy against the loan they are talking about and then one for the house itself or i dunno i got plenty of questions to ask.