When Should You Buy Home Insurance? 
You should have home insurance in place at the time you close on the loan or the closing of the home . Once your name is on the deed you are responsible for everything that happens to that property . For example if you have a $ 100,000 loan for the property and it burns to the ground you would be liable for the loan even if you had no insurance . If someone comes to your home and falls down the stairs and has a $ 2000 emergency room claim , you are responsible . You should contact a broker like myself and get some quotes and coverage . Please visit WEBSITELINK 