When i had my closing, typically you have to pre-purchase a years worth of insurance and show that its paid in full at closing. I didnt shop around at all and just called State Farm who had previously been my carrier. Well, they were charging me about triple what i had been paying; i was moving from the suburbs to the city so i expected some increase but not triple. I checked out that link, insurancefinder.com, and i got like 9 quotes for the same house and you can just pick whomever. There are some i never heard of but also allstate, met life, farmers, etc. If you know an independent insurance agent who reps a lot of different companies, you could go with them but at the time i didnt know anyone but that site saved me about a thousand a year.