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  "contentVersion": "2026.08.31",
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  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "title": "What can I do if my mortgage lender or servicer is charging me for force-placed homeowner's insurance?",
  "publisher": "Consumer Financial Protection Bureau",
  "url": "https://www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-my-mortgage-lender-servicer-is-charging-me-for-force-placed-homeowners-insurance-en-219/",
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  "accessedDate": "2026-08-31",
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      "checksum": "51dd7832b7cb",
      "text": "In many instances, this insurance protects only the lender, not you."
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      "text": "Force-placed insurance is usually more expensive than finding an insurance policy yourself."
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      "text": "A 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."
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      "text": "A 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."
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    {
      "kind": "Question",
      "title": "What does a lender insurance requirement actually prove?",
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  "citation": {
    "text": "Consumer Financial Protection Bureau. \"What can I do if my mortgage lender or servicer is charging me for force-placed homeowner's insurance?.\" unknown. https://www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-my-mortgage-lender-servicer-is-charging-me-for-force-placed-homeowners-insurance-en-219/ (retrieved 2026-08-31).",
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    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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