How Latch works
One licensed broker, a clear process, and coverage in place before your date.
The steps
Homes
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Step 1: Tell us what's happening and your date.
- What you do
- Fill out the short form or book a call. Send what you have, such as your notice or declarations page.
- What we do
- Confirm what we received and ask for anything that's missing.
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Step 2: We gather your home's details and take it to insurers.
- What you do
- Answer a few questions about the home: the roof, updates, and any mitigation you've done.
- What we do
- Build a complete submission and take it to standard insurers first, then surplus lines insurers and the FAIR Plan when needed.
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Step 3: Compare your options with your broker.
- What you do
- Look at the options side by side and ask anything.
- What we do
- Explain in plain language what each option covers, what it leaves out, and what it means for you.
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Step 4: We place your coverage and stay on.
- What you do
- Choose the option that fits and sign the application.
- What we do
- Place the coverage, send proof of insurance to your lender or escrow, then help with changes, claims questions, and every renewal.
Commercial property
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Step 1: Tell us the deal and the date.
- What you do
- Share the property, the lender if there is one, and your closing, loan, construction, or renewal date.
- What we do
- Plan every step back from that date and tell you what we need.
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Step 2: We build your submission.
- What you do
- Send current policies, a statement of values, loss runs, and your lender's insurance requirements. Send what you have.
- What we do
- Assemble the property details, statement of values, loss history, and lender requirements into a complete submission and take it to insurers.
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Step 3: Compare options with your broker.
- What you do
- Review the options side by side with your broker.
- What we do
- Walk through limits, deductibles, and exclusions, and how each option lines up with your lender's requirements.
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Step 4: We bind, deliver documents to your lender, and stay on.
- What you do
- Approve the option you want and sign.
- What we do
- Bind coverage, deliver the binder, evidence of insurance, certificates, and endorsements to your lender, and stay on for certificates, changes, and renewals.
Who does the work
Your broker handles advice, negotiation, and decisions with you. We build our own software to handle the paperwork, so your broker's time goes to you.
Where we place coverage
We work with insurance companies directly and through wholesale brokers who specialize in harder-to-place property, including surplus lines insurers when the standard market can't.
Surplus lines insurers are not licensed by California, and their policies are not backed by the California Insurance Guarantee Association. We explain what that means before you decide.
How we're paid
Insurers pay us a commission when we place your policy. If we ever charge a broker fee, we'll tell you in writing before you agree to anything, as California requires. We never charge broker fees on California FAIR Plan policies.
After you're covered
We stay on for certificates, endorsements, adding properties, claims guidance, and renewals. Insurers make all claims decisions. We help you understand the process and get answers.
Have a date coming up?
Tell us what's happening and when. Your broker will reply within one hour on business days.