Is Homeowners Insurance A Closing Cost? 
If you are buying your first home , then I would recommend considering it part of your closing costs , yes . Lenders will require you to show proof that you have obtained Home Insurance sufficiently covering the reconstruction value of your new home . They will be looking to see that it provides for replacement value should there be a loss . So , because you will have to buy that first , and will more than likely have to pay the first year 's premium in full , I would plan on that as you would any other closing costs . 