New flat and insurance

Does anyone familiar with a new flat and insurance?

Do Polish people insure a new flat on the day they accept it from the developer - or do they wait until the Final Purchase Contract is signed?

Thank you

I would wait unti the final purchase, it only makes sense to me. If you are not the owner, the "old" owner should and usually have his own insurance. It's like you went to a car dealer and talked about pricing and bought insurance in advance before buying the car.