A cheaper insurance policy can mean a cheaper mortgage payment
Homeowners insurance is part of your monthly escrow, right alongside principal, interest, and taxes. Shop it right and the savings show up in your payment, not just your policy.
One client's insurance shopping dropped their payment about $200 a month
A recent buyer's original homeowners quote was running about $2,000 a year more than it needed to. After shopping the policy with my insurance partner, the lower premium flowed straight into their monthly escrow — roughly $200 a month back in their pocket, for the same coverage on the same home.
Your lender includes homeowners insurance (the "I" in PITI — Principal, Interest, Taxes, Insurance) in your total monthly housing payment and your debt-to-income calculation. A lower premium can help you:
- Lower your total monthly payment, dollar for dollar on the premium difference
- Improve your debt-to-income ratio with the lender, which can help you qualify
- Free up room in your budget for the home you actually want, not the one your DTI allows
One trusted contact for insurance
Your info comes to Rocky first, and he makes the introduction personally.
Kaitlyn Bagley
State Farm — One trusted contact for homeowners, condo, umbrella, auto, motorcycle, RV, and life coverage from the Wheat Ridge office. Your info comes to Rocky first, and he makes the introduction.
- Home
- Auto
- Life
Call Rocky directly
Sometimes it's easier to just talk it through. Call or text — you'll reach me, not a call center.
Call or Text (720) 584-6435 →or answer a few questions and I'll get your quote started
Get My Free Insurance Quote
A few basics so Rocky can get your quote started — tell me if you want financing bundled in too.
This form does not collect your Social Security number, policy number, or other sensitive account information. Your request comes to Rocky first — he reviews it and makes the introduction to build your actual quote.
Ask about the buyer rebate up to $20,000
Bundle a lower insurance premium, a mortgage pre-approval, and your buyer rebate — all working toward the same lower monthly number.
Note. Rocky is a licensed real estate broker, not a licensed insurance agent or mortgage lender. Whatever you submit on this page goes to Rocky first, not directly to a partner — he reviews it and personally decides who to introduce you to, whether that's State Farm agent Kaitlyn Bagley for insurance or one of the independent, professionally licensed loan officers he works with for financing. You are free to shop with any insurer or lender you choose; using Rocky's partners is optional and creates no obligation. The $200/month example above reflects one real client's result and is illustrative only — actual premiums, escrow changes, and savings vary by property, coverage, carrier, and loan servicer.