One of the tasks the mortgage underwriter will require during the underwriting process is setting up Homeowner’s Insurance, so it’s a good idea to start early on this so you have time to shop around and do your research. For most people, a home is the biggest purchase they will ever make, so it's important to ensure it's properly insured.
We advise shopping around for homeowner’s insurance because rates can vary significantly. We recommend starting with the company that insures your car, as you might get a discount for bundling your policies. We are happy to provide you with recommendations for insurance agents if you need, just ask. :)
Make sure your homeowner’s insurance policy goes into effect the day before you close on your new home. This way, you'll be covered if anything unexpected happens, like a fire on closing day. Additionally, be sure to obtain proper documentation from your new homeowner’s insurance company to provide to your underwriter; they will need proof of insurance before approving your loan.
Here is an article to help you understand home insurance
