Home & Property

Home Title, Mortgage & Insurance: What You Need to Keep Track Of

May 26, 2025
Pregnant wife with Husband

Buying a home is one of the biggest financial decisions you’ll ever make. But once the paperwork is signed and the keys are in your hand, the real work begins—keeping track of all the important documents that come with homeownership.

From your home title to your mortgage paperwork and insurance policies, keeping everything organized and easily accessible can save you time, money, and major headaches down the road.

Here’s exactly what you need to keep track of, why it matters, and how myDox can help you stay on top of it all.

1. Home Title: Proof That You Own Your Property

Your home title is the legal document that proves you own your house. It shows:

  • Who holds ownership of the property
  • Property boundaries and any shared land agreements
  • Liens or claims on the home

Why You Need It:

  • When selling your home, buyers and banks will require a clear title
  • If there’s ever a legal dispute over ownership, you’ll need proof
  • If you refinance your mortgage, the lender may request title documents

Example: If you decide to sell your home five years from now, having instant access to your title can speed up the closing process—instead of scrambling to track it down.

2. Mortgage Documents: The Paperwork That Keeps You on Track

If you financed your home with a mortgage, you have a stack of important documents tied to your loan. These include:

  • Loan agreement – The terms of your mortgage, interest rate, and repayment schedule
  • Closing disclosure – A summary of all the final costs of your loan
  • Property tax statements – Needed for tax filings and mortgage deductions
  • Refinance agreements – If you adjust your loan, you’ll need these records

💡 Why You Need Them:

  • Keeping track of mortgage payments and interest rates helps you stay on budget
  • If you ever refinance, you’ll need past mortgage paperwork
  • Tax season is easier when you have your interest statements and deductions ready

Example: You’re considering refinancing to lower your monthly payments. With myDox, you can easily access past mortgage agreements, property tax records, and payment history to compare rates and make the right financial decision.

3. Homeowners Insurance: Your Financial Safety Net

Your homeowners insurance policy is what protects you financially in case of:

  • Fire, flood, or other property damage
  • Theft or vandalism
  • Liability claims (like if someone is injured on your property)

Key documents to keep on file:

  • Insurance policy details – Your coverage, limits, and premium costs
  • Claims history – Records of any past claims filed
  • Receipts for home improvements – May help with coverage claims

💡 Why You Need Them:

  • If disaster strikes, you don’t want to waste time searching for policy details
  •  Filing a claim is much easier when you have your policy number and coverage terms ready
  • Keeping track of home upgrades and improvements can help you increase your coverage when needed

Example: A major storm damages your roof. Instead of digging through paperwork, you open myDox, retrieve your insurance policy, and start the claims process immediately.

4. Home Repairs & Warranties: Keeping Track of Upgrades & Maintenance

Your home requires constant maintenance and occasional repairs. Keeping good records ensures:

  • You stay on top of regular upkeep (like HVAC servicing and roof inspections)
  • You have proof of warranties for appliances, roofing, or home systems
  • You can provide detailed records if you sell your home in the future

Documents to store:

  • Home inspection reports – Helps track the condition of your home over time
  • Contractor agreements & invoices – Proof of any major renovations or repairs
  • Home warranty policies – If an appliance or system breaks, you’ll know what’s covered

💡 Why You Need Them:

  • Warranties can save you money if an appliance breaks unexpectedly
  • Having maintenance records can boost your home’s value if you sell
  • Some home repairs may be tax-deductible if they improve energy efficiency

Example: Your water heater stops working, but you remember it’s still under warranty. Instead of searching through files, you pull up the warranty in myDox and schedule a free replacement.

5. Property Tax Records: Avoid Surprises at Tax Time

Property taxes can change over time, and keeping track of your records ensures you:

  • Know what you owe and when it’s due
  • Can dispute incorrect tax assessments if necessary
  • Have proof of deductions when filing taxes

💡 Why You Need Them:

  • Staying ahead of due dates prevents late penalties
  • If property values rise, you can appeal tax hikes with proper documentation
  • Some tax deductions require past property tax records

Example: You notice a big increase in your property tax bill. Because your past tax records are stored in myDox, you can compare them instantly and appeal if needed.

6. How myDox Helps You Stay Organized

Owning a home means managing a LOT of paperwork. Losing any of these documents could cost you time, money, or even legal headaches.

With myDox, you can:

  • Store all home-related documents in one secure place
  • Access them instantly when buying, selling, refinancing, or filing claims
  • Share files easily with mortgage lenders, real estate agents, or insurance providers
  • Keep everything up to date so you never miss a payment or renewal

Stop searching through drawers for paperwork. Get started with myDox and keep everything organized—so you can focus on enjoying your home, not managing its paperwork.

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