When purchasing a house, there are many different items to take care of. After placing an offer on a house, most homeowners have to qualify for a mortgage and want a home inspection completed. Most homebuyers also need to have a title check done and negotiate with the seller if they provide a counter offer. It’s also usually necessary to obtain homeowners insurance. If you’re buying a house in Ludlow, Massachusetts, here's why you’ll want to shop around for a home insurance policy before your closing date.