Closing day

Today at 3:00 I am supposed to close on the house. I think everything is ready. The loan officer is going to figure how much money I am going to have to shell out today which hopefully won't be much. Last night I paid for six months of insurance - I had to get a commercial policy since the house is being renovated without me living there. One odd twist to that is that terrorism is one optional coverage but you specifically have to accept or decline that part of the policy. I declined it...