Do I need homeowners insurance to buy a house?
If you have a mortgage, yes: lenders require it before closing, and the first year's premium is often paid at or before closing. Get quotes early in your contract period. ListingCraft for Buyers includes prepaid items like insurance in your estimated cash to close.
Ask insurers about the roof's age and any past claims, since these can affect price and availability. In flood zones, lenders also require flood insurance.