Do I need to talk to my insurance agent?

Yes, and the sooner, the better. Most insurance professionals have a lot of experience in working with homeowners and can offer useful tips about home ownership, particularly regarding home safety and keeping your premiums low. If you need the name of some good insurance agents, The Humphrey Team will be happy to give you some references. Once you've found a home, work together to develop a homeowner's policy that meets your individual insurance needs. You'll need to supply your insurance information to escrow prior to closing.