For Refinancing Homeowners
Refinancing? Take a Second Look at Your Insurance.
Your lender re-verifies insurance and resets your escrow at refinance. If you’re overpaying on a FAIR Plan + wrap combo—or carrying a high wildfire premium—this is a good moment to work on it.
Get My ScoreWhat refinancing exposes
Your escrow payment is inflated by FAIR Plan + wrap premiums or high-risk pricing
Lenders require proof of adequate coverage—and high-risk homes complicate approval
You’re locking in a monthly payment for years based on today’s insurance costs
Nobody in the refi process tells you the premium itself is fixable
Fix the insurance before you lock the loan
The 60–90 days around a refinance is the highest-leverage window to improve your home’s insurability—and your monthly payment shows the difference for years.
Time it with your refi
Start your action plan as you begin the refinance process so verified improvements are in place when coverage is re-evaluated.
Target the escrow line
Moving from FAIR Plan + wrap toward a single HO-3, or earning hardening discounts, can lower the insurance baked into your monthly payment. Actual results depend on your carrier and property.
A score that travels with your home
Your Cindera Score and documented hardening history strengthen every future insurance conversation—not just this one.
Offset costs with grants
Grants and local matching dollars can fund hardening work, so improving your insurability doesn’t eat your refi savings.
How Cindera works
Enter your address
Get your starting Cindera Score in minutes.
Work your action plan
DIY or vetted vendors—upload photo proof as you go.
Unlock the payoffs
Grants, matching dollars, and better insurance options.
Maintain your score
Stay protected year-round with scheduled reminders.
Frequently asked questions
Refinancing soon? Check your home now
See your score and the actions that could lower your insurance line before closing.
Get My Score