We’re the agency loan officers in Alabama send their buyers to. One submission, every carrier, binder direct to your loan-ops team — and a real-time status board so closing morning isn’t the first time you hear about insurance.
Submit your buyer’s details and we’ll instantly run their property across our carrier panel. We’ll also email you a 6-digit code so you can sign into your Quote Tracker portal and watch progress live.
Forward the contract, paste the buyer info, or text us a name and address. We don’t need a 14-field form to get started.
We send the binder, dec page, and EOI directly to your processor — same day, same standard format, every time.
You see the same status board we do. Quoted, sent, bound — every transition is timestamped and visible to your whole team.
Every quote is anchored to your closing date. We work backward so the binder is in your file days before it’s due — not on the morning of.
Add processors and assistants in the portal so submissions and updates route to whoever’s actually working the file.
When a buyer you sent us later requests a mortgagee-clause update because they refinanced through a different lender, you get a notification the same day so you can reach out and try to win the refi back before it funds.
We engineered the flow around your actual day — pre-approval, under contract, clear to close.
Email, text, or paste from your LOS. Buyer name + property address is enough to start.
We shop the carriers that actually write the property. You see live status the whole time.
Approved quote and binder land directly with your loan-ops team in the format your processors expect.
We bind days before closing, not on closing morning. Binder + dec page in your file — clear to close.
We handle nonpublic personal information from your buyers every day. Here’s exactly how we keep it isolated, audited, encrypted, and minimized — not as marketing copy, but as shipped controls you can verify.
Every customer-bearing table is scoped by agency_id and gated by Postgres RLS. Cross-tenant reads are physically blocked at the database — an application bug cannot leak one agency's borrowers to another.
Endorsements, automation rule changes, message sends, and carrier handoffs all write to an append-only audit_events table with a per-tenant Merkle hash chain. Tampering surfaces a warning the next time you load the audit browser.
All traffic served over TLS 1.2+. Passwords hashed via Supabase Auth with optional TOTP MFA. Enterprise tenants can require Microsoft 365 SSO. Service-role API keys are scoped to specific feature paths and rotated quarterly.
Every AI call is gated by a tenant-level spend budget, and PII (SSNs, DOBs, account numbers) is redacted before it ever crosses a provider boundary. Direct provider-SDK imports are blocked outside the audited wrapper.
Formal SOC 2 attestation and penetration-test reports are available under NDA for enterprise evaluation.
We never pay your lender or realtor a fee, kickback, or split for sending a quote — and we say so out loud, in plain English, on every borrower-facing page.
This quote is provided as a courtesy through your lender. It is not a solicitation by your lender and the lender is not acting as an insurance producer.
You are not required to purchase insurance from this agency as a condition of approval, settlement, or closing on your loan.
YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES. You may purchase homeowners insurance from any licensed provider you choose.
Your lender receives no fee, commission, kickback, or other compensation from this agency or any insurance carrier in exchange for this quote or any policy you may bind.
This is a preliminary estimate based on the information provided and is subject to underwriting review. Coverage is not in force until a policy is issued by the carrier and the initial premium is paid.
Your choice of insurance provider will not affect the approval, terms, or conditions of your loan.
Quote provided by TCDS Insurance Agency, a licensed Alabama insurance producer. Disclosures provided to comply with the Real Estate Settlement Procedures Act (12 U.S.C. § 2607), 12 CFR §§ 1024.14–1024.15, and Alabama Department of Insurance producer-licensing rules (Ala. Code § 27-7-35.1).