It can also be faxed to the lender and/or escrow company prior to closing. In a typical scenario, the borrower will bring either the policy itself, or proof of the purchase, to the closing / settlement process. Otherwise, the loan won’t be finalized and funded - and nobody wants that. In most cases, yes, you will need to purchase a homeowners insurance policy before the lender will allow the closing to proceed. Is this true? Do I need to purchase a homeowners insurance policy before closing? And if so, is there a certain amount of coverage that I need to buy?” Reader question: “I have read that my mortgage lender won’t let me close on my loan unless I have a certain amount of home insurance.
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