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When you purchase a home using a mortgage the lender will require you to carry home owner's insurance. I highly recommend doing this during the option period. Insurance agents will pull a C.L.U.E. report on both you and the property. If there have been insurance claims made on the property in the recent past you will be surchaged when you buy the home, even though you did not make the claim. When shopping for home owner's insurance I recommend starting with the same company that insures your car. You will usually get a discount for multiple policies, so when shopping around have each agent give you a quote for all your other insurance needs as well as home owner's insurance.