I bought my first plane a year ago. I had only enough retract hours to get my Complex, and none in a Bonanza. My insurance broker found me a 6 month "transition" policy through a company called Beacon. At the end of that period I had my Instrument Rating and had completed the required dual and solo hours which made a huge difference at renewal. I believe avoiding a 12 month policy to cover those initial months was a win for me. I’m not sure how common these shorter term policies are, though.

Good luck David!