Get the closing costs estimate on both, and run down the numbers. They will include assumptions for things like an inspection that you can source yourself, but you can compare fees in general. If the closing costs are roughly comparable, pick the lower APR.
Yes, you will have to get your own homeowner's insurance, although often your real estate agent may have a broker they recommend to get you started. Don't stop there, call a few more and shop around. You will probably get radical differences in homeowner's quotes between companies; I always have.
