Is Home Insurance Part Of Closing Cost? 
If the premium for a homeowners policy is in an escrow closing that will be noted in the papers you sign . If you are responsible to provide the insurance , outside of the closing , the lender will normally require evidence of insurance at or before closing . This can create difficulties when you refinance in the middle of the year and move from a loan with an escrow account to one without an escrow account . If you fail to notify the insurance company the premium notice goes to the wrong place and it can lead to a policy lapse which is a major headache !! 