Insurance & Taxes

Let PNC guide you through what's to be expected, and what's required of you.

Insurance 101 

Learn about the different types you made need:

Homeowner’s Insurance

Homeowner’s insurance provides financial coverage in the event of a covered loss to your home, other structures or contents. In addition, homeowners insurance provides personal liability coverage for third-party claims.

Disaster Insurance

Insurance designed to protect your home in the event a natural disaster such as fire, flood, earthquake, hurricane or tornado were to strike and cause your home to become unlivable.

Private Mortgage Insurance

Insurance written by a private company to protect the mortgage lender against financial loss if a borrower defaults on the mortgage.

FHA Mortgage Insurance

An undertaking by the Federal Housing Administration (FHA) to insure the lender against loss if the borrower defaults on the mortgage.

VA Funding Fee

This fee is paid by the Veteran and/or third party, directly to the Veterans Administration, to guarantee a specified portion of the loan, should the borrower go into default.

Flood Insurance

Protection against flood loss through the 1973 Flood Disaster Protection Act.


Still have questions? Check out our Insurance FAQs, calculate the cost of insurance, or reach out to us for more infomation.

Let's Talk

Get Started online »

Provide preliminary information to begin the pre-approval or loan process.

Find a Mortgage Loan Officer near you »

PNC Mortgage Loan Officers are available at branches nationwide ready to help guide you through the mortgage process. Discuss your preferences to learn more about your loan options and see if you are pre-qualified.

Give us a call 1-877-508-3339 »

If you prefer to begin the application process over the phone, or just have questions, Mortgage Loan Officers are available:

Mon – Thurs: 8am – 10pm ET
Fri: 8am – 6pm ET
Sat – Sun: 8am – 5pm ET

Need more information?

Our Home Lending Education Center can help give you a complete picture of your home loan.

Learn More »

Estimating Insurance Costs

Insurance FAQs

Do I have to carry insurance on my home?

Yes. The terms of your Mortgage require that you maintain homeowner’s insurance on your property for an amount equal to 100% of the replacement cost of your property. Please keep in mind that this is a safeguard to protect both of our interests in the  property should any damage occur.

Estimating Tax Costs[1]

Tax FAQs

Important Legal Disclosures & Information

  1. Consult a tax advisor regarding the deductibility of interest.

Equal Housing Lender

PNC, PNC HomeHQ, PNC Home Insight, and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has pending patent applications directed at various features and functions of Home Insight Planner and Home Insight Tracker. All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.

©2022 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association.

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