The copy of stamped SPA and Loan Agreement will be given to you after the loan has been disbursed. (First disbursement)

For Fire insurance. Bank will buy and charge you cos

a) want to sell you their panel insurance

b) in case u did not buy or forget. Too risky.

Currently, fire insurance is based on value of house / loan amount and is fixed based on tarrifs set by Bank Negara Malaysia.

This means that it is same regardless which insurance companies you buy from.

Howeve this is expected to change in about 2 yrs time as bank Negara will allow insurance companies to price the premium for fire insurance and also motor insurance.

But you may not be able to change if under Housing Loan, esp for landed

For highrise. The JMB will buy insurance for the whole building. So you can request that the bank don't buy separate insurance
But do you know that actual payout for fire insurance is only to cover the construction cost of the house and exclude land value. 
So for landed. If the house / loan is worth 800k and the whole house burn down. The insurance only pay say 600k to construct back the house.

So premium for additional 200k is pure waste
roystevenung another classical ripoff by insurance industry.