What can I do if my mortgage lender or servicer is charging me for force-placed homeowner's insurance?
Published by Consumer Financial Protection Bureau. Jurisdiction US.
Exactly what this source supports
These are the only claims this record is used to carry anywhere in the library.
In many instances, this insurance protects only the lender, not you.
claim cfpb-ask-219#c1Force-placed insurance is usually more expensive than finding an insurance policy yourself.
claim cfpb-ask-219#c2A servicer may require force-placed coverage when the borrower does not have their own insurance policy or when the borrower's own policy does not meet the requirements of the mortgage contract.
claim cfpb-ask-219#c3A borrower should send proof of their own policy and any other information the servicer requested to the servicer and request that the servicer cancel the force-placed policy as soon as possible.
claim cfpb-ask-219#c4
Each claim above has its own address. Link to a single claim with/sources/cfpb-ask-219#c1, and read the same list with its identifiers, checksums and dates at cfpb-ask-219.json. A checksum lets you tell whether a claim you cited still says what it said.
Pages that cite this source
Reviewer notes
Fetched on 2026-08-31. This page does not restate the Regulation X notice timing or the refund duty, so those points are cited to the regulation instead.