Homeowners insurance is required by your lender, and it's part of your monthly housing cost. Many first-time buyers don't shop for it until the last minute.
Why that can hurt: insurance prices vary a lot from home to home. The age of the roof, the furnace and the electrical system can all affect your price, and many Rochester homes are older. A surprise insurance cost can change how much house fits your budget.
Once you find a home you're serious about, get insurance quotes right away. Ask the insurance agent what would make the price go up or down, and compare at least two quotes.
General education only, not legal, tax or lending advice. Program rules vary; ask your lender, attorney or program office about your situation.
Next tip: Look at the tax bill, not just the price