A Reliable Insurance Partner for Your Lending Team
Deadlines matter in real estate. Our team delivers accurate insurance documents quickly, communicates clearly, and makes sure nothing on the insurance side slows your deal down.
Working With Lenders
Deadlines matter, and so does accuracy. Watkins Insurance Group works closely with lenders and processors to ensure insurance documents are delivered quickly and correctly while maintaining clear communication throughout the process. From first-time homebuyers to complex investment properties, our goal is to make the insurance process smooth, efficient, and dependable for both your team and your clients.
Smooth Closings Start With the Right Insurance Partner
- 30-plus carriers, one trusted agent
- Over a decade of experience in Richmond
- Real answers, no automated lines
- Coverage for individuals and businesses
How It Works
Simple, Fast, and Built Around Your Timeline
1
You Make the Introduction
Refer your client to us and we will take care of it from there. No hand-holding required on your end.
2
Our Team Handles the Insurance
We work directly with your client to get the right coverage in place quickly and accurately, keeping your team informed along the way.
3
Documents Delivered on Time
Binders, evidence of insurance, and any documentation your team needs arrive promptly so your closing stays on track.
What We Take Off Your Plate
Less Back and Forth. More Closed Deals.
We handle the details so your team doesn't have to chase them down.
- Evidence of insurance and binder requests
- Last-minute coverage needs before closing
- Flood zone determinations and flood insurance
- Investment and rental property coverage
- Communication directly with processors and closing teams
- Policy updates and lender requirement changes
Coverage We Work With
The Right Coverage for Every Transaction
Whether it's a straightforward purchase or something more complex, our team handles the full range of personal and investment property insurance that comes up in mortgage transactions.
Homeowners Insurance
Flood Insurance
Landlord Insurnace
Umbrella Policies
Vacant Property Insurnace
Why Work With Us
Watkins Insurance Group was built on a simple belief: relationships come first. For more than a decade, Philip Watkins has helped clients make confident insurance decisions through honest advice, personal service, and responsive support. When you work with Watkins Insurance Group, you work directly with Philip. He takes the time to understand your needs, review your coverage, and be there when you need help most. Personal service. Trusted advice. Real relationships.
What Lenders Are Saying
Don't Just Take Our Word for It
Strong partnerships are at the heart of what we do. Philip has built lasting relationships with lenders, processors, and real estate professionals through consistent communication and exceptional service. Here's what some of our partners have to say about working with Watkins Insurance Group.
Elsa Verina
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Putri Maha
Nulla mollis tristique blandit. Nam at accumsan felis, vitae pharetra nunc. Morbi imperdiet dui eu facilisis vestibulum. Sed dignissim non nibh auctor finibus. Integer mollis varius maximus.
Elsa Verina
Nulla mollis tristique blandit. Nam at accumsan felis, vitae pharetra nunc. Morbi imperdiet dui eu facilisis vestibulum. Sed dignissim non nibh auctor finibus. Integer mollis varius maximus.
Dyas Kardinal
Nulla mollis tristique blandit. Nam at accumsan felis, vitae pharetra nunc. Morbi imperdiet dui eu facilisis vestibulum. Sed dignissim non nibh auctor finibus. Integer mollis varius maximus.
Everything You Need to Know About Working With Us
Frequently Asked Questions
How quickly can you turn around a binder or evidence of insurance?
In most cases the same day. Our team understands closing timelines and prioritizes lender document requests accordingly.
What if my client already has insurance with another carrier?
We can review their existing policy to confirm it meets lender requirements and address any gaps before closing.
Can you handle flood insurance if the property is in a flood zone?
Yes. Our team works with both NFIP and private flood insurance carriers and can move quickly when a flood determination comes back.
Do you work with investment properties and landlord coverage?
Absolutely. We regularly handles coverage for rental properties, multi-unit buildings, and real estate investors across Virginia, Maryland, and North Carolina.
How do we start sending referrals?
Just reach out directly. Our team makes it easy to set up a working relationship and will make sure your clients are taken care of every step of the way.
What if a deal has a tight deadline and we need coverage fast?
Call Philip directly. He understands urgency and will do whatever it takes to get the right documentation in place without sacrificing accuracy.