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# Homeowners Insurance is killing deals at closing!
- URL: https://www.mortgagemomradio.com/homeowners-insurance-is-killing-deals-at-closing/
- Published: 2026-08-06T22:46:44.000Z
- Updated: 2026-08-27T03:20:05.000Z
- Description: 21% of homes going under contract in 2026 aren't closing. It's not the appraisal. It's not the loan. It's not the inspection. It's the insurance.
- Author: Deborah Marcoux
- Tags: Podcast, Mortgage Mom Radio

**Listen · 0:48:24** Audio hosted by [Blubrry](https://blubrry.com/?ref=mortgagemomradio.com). [Download MP3 ↗](https://media.blubrry.com/mortgage%5Fmom%5Fradio/ins.blubrry.com/mortgage%5Fmom%5Fradio/cbr%5FoPt4SRJgDRc.mp3?ref=mortgagemomradio.com) 

21% of homes going under contract in 2026 aren't closing.

It's not the appraisal. It's not the loan. It's not the inspection.

It's the insurance.

I've been in the mortgage business for over 30 years and I have NEVER seen a market where more clean, qualified, pre-approved buyers are losing their deals at the closing table over something they never even thought about until week three of escrow. So today on the show I'm breaking down exactly what's happening, why it's happening RIGHT NOW, and — if you're a buyer, an agent, or a seller — the 5-day plan I want you running the second you go under contract.

Stuff we cover in this episode:

- The brand new Federal Reserve Bank of Chicago paper that just put a number on this — $1,000 of extra premium = 2.3 percentage points more likely to be denied
- The California FAIR Plan 29.1% rate hike that goes live October 15 (and what to do if you're mid-escrow right now)
- Why Florida premiums went UP 14.3% after tort reform was supposed to make them go down
- The four failure points where insurance kills a deal (and how to spot each one early)
- Roof age, wind mitigation, and the one $150 inspection that can save a Florida closing
- Insurance quote vs. insurance binder — the new underwriter rule nobody warned you about
- My personal 5-day rule for every buyer who goes under contract from here on out

If you or someone you know is buying a home in California, Florida, Arizona, Texas, or ANY of the 14 states I lend in, this is the episode to send them. This is the one that saves the deal.

Text MOM to 844-935-3634 and I'll walk you through it personally — before the deal breaks, not after.

Mortgage Mom Radio is live every Wednesday at 3PM PT. www.mortgagemomradio.com questions@mortgagemomradio.com (844) 935-3634

Debbie Marcoux — NMLS #237926 Licensed in AZ, CA, CO, FL, GA, HI, ID, IL, NV, NC, OR, TN, TX, WA Equal Housing Lender · This is educational content, not a rate quote.

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[Watch this episode on YouTube ↗](https://youtube.com/watch?v=oPt4SRJgDRc&ref=mortgagemomradio.com)