yes
Yes, Mortgage Finance Companies require that Your Home Hazard Insurance Policy be in place before you can close the sale.
No. Although it may certqinly be advisable to get an insurance policy to protect your investment, there is no legal requirement that you do so.
Your homeowners insurance premium SHOULD be included in your closing costs. Now as far as asking the sellers to pay for it--you can ask them to pay for anything--it's up to them whether or not to.
The policy is 'in force' for the policy period as long as you still own the house.
If title insurance is not purchased at closing, then it can be purchased later. Generally a title insurance policy can be issued within 14 days of the closing.
If your home is/was mortgaged - the insurance MUST be in effect as protection to the mortgage holder. The insurance company is just making sure that you are not cancelling what is MANDATORY coverage to save yourself some money.
No, the lender is the party that requires insurance at closing because they have an interest in the property due to the loan they are providing for purchase. Since there is no lender, no homeowner's would be REQUIRED. However, since YOU have an insurable interest (because ALL of your cash is tied up in the house) , I would highly advise ppurchasing coverage for your home!
No, the policy is only for occurrences between the coverage dates. You likely didn't start the policy until the closing date so previous damage would not be covered.
If you are financing the home purchase through a bank or other mortgage company, you will need to show proof of insurance at the time of closing. I don't think you need to have quotes just to make an offer, but you will need to start getting them if your offer is accepted.
These days it is typically paid by cash, check or charge.
It is possible that the sunroof motor needs to be replaced if the sunroof is not closing automatically. It is also possible that the wiring needs to be replaced.