Can insurance issues stop a closing?
Yes. If you can't secure affordable homeowners insurance — often due to an old roof or a high-risk location — your lender won't fund the loan. That's why we check insurability and get quotes early, not at the last minute.
They can, and it catches people off guard. Your lender requires homeowners insurance to be in place at closing, so if you can't get a policy — or only at a shocking price — the loan can't fund and the closing stalls.
The usual culprits are an aging roof, prior claims on the property, or a high-risk location. That's exactly why I have clients get insurance quotes early in the process, not the week of closing. If a home is hard or expensive to insure, it's far better to know during your inspection period when you still have options. I build this into our timeline.
This answer is general education, not legal, tax, or financial advice. Your situation is unique — let's talk through the specifics together.