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"Here at Integrated Home Construction, we take our business very, very seriously. That’s why when it comes to our insurance needs, we turn to the best: the people of Shepard Insurance Agency."
Van Nuys, CA



"I want to thank your agency, and especially you for your professionalism. In the years we have been clients, all of our business has been not only straight forward and expedient, but pleasurable. We get all the information we need in an easy to understand way. Your suggestions are always welcome, and have created better protection for us. My wife and I thank you. "


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Question: Can a lender demand that a home buyer purchase a specified amount of insurance, or purchase a policy from a specified lender?

Answer: While lenders are free to insist that sufficient insurance is purchased to protect the lender's financial interest, they may not require customers, as a condition of the loan, to purchase insurance from any particular insurer. Provisions in the California Civil Code prohibit lenders from requiring insurance in excess of the replacement value of whatever building or other improvements are on the land.