{"id":10768,"date":"2025-08-28T05:01:49","date_gmt":"2025-08-28T05:01:49","guid":{"rendered":"https:\/\/youset.ca\/?p=10768"},"modified":"2026-03-16T12:13:59","modified_gmt":"2026-03-16T12:13:59","slug":"when-to-get-insurance-when-closing-on-a-house","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/when-to-get-insurance-when-closing-on-a-house\/","title":{"rendered":"Closing on a House Soon? Here\u2019s When to Get Home Insurance."},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Closing on a house is exciting, but there\u2019s a lot to keep track of before you get the keys. One thing you don\u2019t want to forget? <\/span><a href=\"https:\/\/youset.ca\/en\/home-insurance\/\"><span style=\"font-weight: 400;\">Home insurance<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Often overlooked among the other tasks on your to-do list, securing home insurance before your move-in date is not only important, but necessary. <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/is-home-insurance-mandatory-in-canada\/\"><span style=\"font-weight: 400;\">Homeowners with a mortgage are required to purchase home insurance<\/span><\/a> <span style=\"font-weight: 400;\"> and provide evidence of coverage to their bank or lender.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">So, how soon before closing should you get homeowners insurance? Let\u2019s walk through a recommended timeline, what lenders check before closing, and how YouSet can help simplify the process.<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_316e9ab35a4f33dcf0ea1fa582ffa269\" class=\"post-block py-8\">\n\t\t<div class=\"py-8 md:py-11 px-6 md:px-12 rounded-l-lg border-l-8 border-indigo-500 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<h3 class=\"text-grayBluish-900 mb-6\">Key takeaways<\/h3>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400;\">If you\u2019re closing on a house soon, follow this timeline to get home insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Start shopping for quotes around 30 days before<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchase your policy two weeks before<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide proof of coverage to your lender one week before<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Confirm your policy is active on closing day <\/span><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-30-days-before-closing-start-shopping-around\">30 days before closing: Start shopping around<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">A month before closing on a house is the perfect timeframe to <\/span><a href=\"https:\/\/youset.ca\/en\/home-insurance-guide\/\"><span style=\"font-weight: 400;\">shop for home insurance<\/span><\/a><span style=\"font-weight: 400;\">. Your mortgage provider may ask for specific coverages or limits, so starting early gives you enough time to make sure you understand your lender&#8217;s requirements.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">It also gives you time to compare quotes from at least three different insurance providers. If you\u2019re <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/how-to-get-cheap-home-insurance\/\"><span style=\"font-weight: 400;\">looking for cheaper home insurance<\/span><\/a> <span style=\"font-weight: 400;\"> or are not sure what to look for, using a licensed insurance broker (like <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\"><span style=\"font-weight: 400;\">YouSet<\/span><\/a><span style=\"font-weight: 400;\">!) can help. In minutes, YouSet\u2019s algorithms automatically compare multiple insurers and find all the exclusive discounts you\u2019re eligible for, so that you end up with the best price possible.&nbsp;<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-weeks-before-closing-buy-a-policy\">2 weeks before closing: Buy a policy<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">It usually takes up to two business days to finalize home insurance, and even then, there are things that can happen that delay it further. Given that, plan to buy homeowners insurance at least two weeks before closing on a house. This will give your insurance provider ample time to issue the policy and make sure that everything is ready for your lender.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-cta-block_72b9333bb3348984d8b498bdacd33dc4\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t<div class=\"lg:flex justify-between gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on homeowners insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-week-before-closing-provide-proof-of-coverage-to-your-lender\">1 week before closing: Provide proof of coverage to your lender<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">You\u2019re expected to send proof of home insurance to your lender at least one week before closing on your house; otherwise, your mortgage funds could be delayed.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">The easiest way to do this is by sharing your <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/how-to-read-a-home-insurance-policy\/\"><span style=\"font-weight: 400;\">declarations page<\/span><\/a><span style=\"font-weight: 400;\">, which is typically the first page in the multi-page document sent to you by your insurance providers in the hours or days after you purchased the policy. This page typically includes everything your lender will need to approve your mortgage: your name, address, coverage start date, and policy details.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">While you\u2019re at it, confirm that the policy\u2019s \u201ceffective\u201d or \u201cstart\u201d date is the day of or before your closing day. This is your chance to double-check that all the information is accurate, and if it\u2019s not, to get it fixed right away.&nbsp;<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-on-closing-day-final-verification\">On closing day: Final verification<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">The last step in this process will be a final check on closing day to confirm that your home insurance policy is active. Even if your documents have already been submitted, it\u2019s always a good idea to bring a print copy of your insurance policy with you.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Keep your insurance provider\u2019s contact information on hand, too, just in case your lawyer or notary needs to confirm details. Being \u201coverly\u201d prepared may save you a headache on closing day.&nbsp;<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-homebuyers-have-about-closing-and-insurance\">FAQs homebuyers have about closing and insurance<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">If you still have questions about home insurance, here are five quick answers to the most common questions from homebuyers.<\/span><\/p>\n\n\n\n\t<section id=\"post-faq-block_52017a77872941c107e41b76844e36ff\" class=\"g-post-faq py-8\">\n\t\t\n\t\t\t<div id=\"faq-collapse\" data-accordion=\"collapse\" class=\"max-w-[792px] mx-auto\">\n\t\t\t\t\n\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] bg-white p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t<div id=\"faq-collapse-heading-0\">\n\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#faq-collapse-body-0\" aria-expanded=\"false\" aria-controls=\"faq-collapse-body-0\">\n\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">Do you need insurance to close on a house?<\/div>\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div id=\"faq-collapse-body-0\" class=\"prose hidden pt-4 max-w-[632px]\" aria-labelledby=\"faq-collapse-heading-0\">\n\t\t\t\t\t\t\t<div class=\"normalise body-3 !text-text-text-secondary\">\n\t\t\t\t\t\t\t\t<p>Yes, if you are using a mortgage to buy your home, then you will need homeowners\u2019 insurance to close. Most Canadian mortgage lenders require proof of homeowners\u2019 insurance before they will finalize your loan.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] bg-white p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t<div id=\"faq-collapse-heading-1\">\n\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#faq-collapse-body-1\" aria-expanded=\"false\" aria-controls=\"faq-collapse-body-1\">\n\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">How soon before closing should you get homeowners insurance?<\/div>\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div id=\"faq-collapse-body-1\" class=\"prose hidden pt-4 max-w-[632px]\" aria-labelledby=\"faq-collapse-heading-1\">\n\t\t\t\t\t\t\t<div class=\"normalise body-3 !text-text-text-secondary\">\n\t\t\t\t\t\t\t\t<p>It is recommended that you get homeowners insurance at least two weeks before closing, just in case there are issues with your application or unique property details to work out. This will help you avoid unnecessary stress or delays during an already stressful time.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] bg-white p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t<div id=\"faq-collapse-heading-2\">\n\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#faq-collapse-body-2\" aria-expanded=\"false\" aria-controls=\"faq-collapse-body-2\">\n\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">What do lenders check before closing on a house?<\/div>\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div id=\"faq-collapse-body-2\" class=\"prose hidden pt-4 max-w-[632px]\" aria-labelledby=\"faq-collapse-heading-2\">\n\t\t\t\t\t\t\t<div class=\"normalise body-3 !text-text-text-secondary\">\n\t\t\t\t\t\t\t\t<p>Before closing, your lender will review and confirm the following:<\/p>\n<ul>\n<li aria-level=\"1\">Your homeowners insurance policy<\/li>\n<li aria-level=\"1\">Your credit report<\/li>\n<li aria-level=\"1\">Your employment and income<\/li>\n<li aria-level=\"1\">The appraisal report<\/li>\n<li aria-level=\"1\">The property title<\/li>\n<li aria-level=\"1\">The down payment and closing funds<\/li>\n<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] bg-white p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t<div id=\"faq-collapse-heading-3\">\n\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#faq-collapse-body-3\" aria-expanded=\"false\" aria-controls=\"faq-collapse-body-3\">\n\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">Why do mortgage companies require homeowners insurance?<\/div>\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div id=\"faq-collapse-body-3\" class=\"prose hidden pt-4 max-w-[632px]\" aria-labelledby=\"faq-collapse-heading-3\">\n\t\t\t\t\t\t\t<div class=\"normalise body-3 !text-text-text-secondary\">\n\t\t\t\t\t\t\t\t<p>Insurance for homeowners protects everyone involved. It ensures that if your property is damaged or destroyed, the mortgage company will not lose the money they loaned you.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] bg-white p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t<div id=\"faq-collapse-heading-4\">\n\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#faq-collapse-body-4\" aria-expanded=\"false\" aria-controls=\"faq-collapse-body-4\">\n\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">What happens if you don\u2019t have home insurance on closing day?<\/div>\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div id=\"faq-collapse-body-4\" class=\"prose hidden pt-4 max-w-[632px]\" aria-labelledby=\"faq-collapse-heading-4\">\n\t\t\t\t\t\t\t<div class=\"normalise body-3 !text-text-text-secondary\">\n\t\t\t\t\t\t\t\t<p>If closing day arrives and you don\u2019t have proof of an active insurance policy for the property, your funds may not be released, thus delaying the closing and potentially resulting in lender penalties.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-next-steps\">Next steps<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Always remember to plan ahead, because sorting out your home insurance early is crucial to avoid delays on closing day. With YouSet, it takes just minutes to get homeowners&#8217; insurance.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">In fact, you can get a quote in under 4 minutes and finish your entire application online. Even better, YouSet automatically compares rates from top Canadian insurers, like <\/span><a href=\"https:\/\/youset.ca\/en\/intact-insurance\"><span style=\"font-weight: 400;\">Intact<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/youset.ca\/en\/economical-insurance\"><span style=\"font-weight: 400;\">Economical<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/youset.ca\/en\/promutuel-insurance\/\"><span style=\"font-weight: 400;\">Promutuel<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/youset.ca\/en\/travelers-canada-insurance\/\"><span style=\"font-weight: 400;\">Travelers<\/span><\/a><span style=\"font-weight: 400;\">, L\u2019Unique, and <\/span><a href=\"https:\/\/youset.ca\/en\/wawanesa-insurance\/\"><span style=\"font-weight: 400;\">Wawanesa<\/span><\/a><span style=\"font-weight: 400;\">, to find you the best deal. We\u2019ll even re-shop for you at renewal, if needed, to keep your price low year after year.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Closing on a house is exciting, but there\u2019s a lot to keep track of before you get the keys. One thing you don\u2019t want to forget? Home insurance.&nbsp; Often overlooked among the other tasks on your to-do list, securing home insurance before your move-in date is not only important, but [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":10771,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[467,453,451],"tags":[],"class_list":["post-10768","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-condo-insurance","category-home-insurance","category-insurance-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Closing on a House Soon? Here\u2019s When to Get Home Insurance<\/title>\n<meta name=\"description\" content=\"Find out how soon before closing you need homeowners insurance and what lenders look for to avoid delays on closing day.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/en\/blog\/when-to-get-insurance-when-closing-on-a-house\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Closing on a House Soon? 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