If you are under contract on your new home, it's a great idea to start getting quotes asap.  Once you have selected the policy and company, ask the insurance company about the benefits of binding your insurance coverage.

If there is a storm brewing and you haven't bound your coverage, your closing could be delayed as your mortgage company will require your insurance to be in place.

Here's also something to think about - Standard homeowners insurance policies do not cover flooding.  

Our Hurricane Season started June 1st and ends on November 30th.

Most flood insurance policies require a 30-day waiting period.

Please let me know if you have any other questions about the home buying process in Tampa Bay.