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Choosing homeowners insurance - do they verify that there weren't recent claims before accepting you and insuring the home?

Today I was applying for homeowners insurance at my lenders request. They told me they needed it no less than 10 days out from settlement and I'm about 19 days away.

While applying, I noticed that it asked me if the home has had any claims in the last 5 years or so and insurance could be denied if I answer inaccurately. Ultimately, the insurer accepted me and provided a quote to my lender. (Went with Lemonade, a newer company).

Now obviously this home isn't mine yet, so I don't know. It's also changed ownership two times in the last few years so who knows what the sellers know (they didn't disclose anything like this).

My question is, and this might be stupid, but will my insurance provider verify the house is good to go before closing? I don't want them to decide in two months that they located a prior claim and I'm stuck with a $200k+ dwelling that can't be insured.

submitted by /u/JonWilso
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source https://www.reddit.com/r/RealEstate/comments/nnfo4o/choosing_homeowners_insurance_do_they_verify_that/
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