You should ask your bank for a "conditional" commitment letter. Banks odten issue commitment letters based on certain conditions such as final verification of employment, clear title, loan pay-offs etc. The one condition that can be added is proof of homeowners insurance. I have seen this before on commitment letters so it won't be unusual. THIS should be enough to satisfy your insurance company. Sounds like it's a power struggle. Good luck.

For years insurance agents and mortgage companies have had differnces of oppinions. Another is on market value vs appraised value. The best way to deal with this is to have the two speek, but you may also want to contact SONYMA directly at their website http://www.nyhomes.org Lenders do sometimes over step their bounds and ask for things that are more company policy and not a rule.

Does not matter who is right or wrong. You need to get the Bank and the Insurance company to speak to each other and work it out. Simply ask your insurance company to call the person you are dealing with at the bank. You may have to grant permission for the bank to speak to the insurance company first.

Good Luck and Congratulations on your Home Purchase!