What insurance do mortgage lenders require is a common question for Texas homebuyers and property owners seeking financing. Lenders in Texas and across the US typically require homeowners insurance as a condition for approving a mortgage. This requirement protects both the lender’s financial interest and your investment against risks like fire, wind, hail, and theft. Royalty Insurance, as an independent insurance agency based in Texas, helps you understand mortgage lender required insurance types so you can secure affordable coverage and close on your property with confidence.