Thanks for the answers! That 's what I thought, and this is yet another lie that I caught my agent in. When I told her that we were not getting the home warranty for the closing, and that we probably would get it later, she told me (rudely, i might add) that i CAN'T get it later. But between getting answers from you guys and also calling the home warranty company that she wanted me to buy from, I did become educated as to what I can really do. Thanks so much!!