The short answer
Force-placed insurance is what the mortgage servicer buys when they can't verify you have coverage. It protects the lender's collateral only — not your personal property or liability — and costs 3–10× normal HO-3. Send the servicer proof of your current declarations page to remove it and get a refund of premiums paid.
Frequently asked
- Can I dispute prior force-placed premiums?
- Yes — RESPA and CFPB rules require refunds for periods where you had legitimate coverage.
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