* SoBankable is not a licensed insurance agency or broker and does not provide insurance quotes or services to consumers. While you are required to obtain home insurance before closing, you are not required to obtain insurance through Credible Insurance, MSH Americas Insurance, or a particular broker. Insurance service provided by Credible Insurance, Inc. CA, VA, NY, TX: Credible Insurance Agency (CA Lic. # 0M90597). MN: Credible Cover, Inc. to offer property and casualty insurance solutions, such as homeowners insurance.