What Do Insurance Companies Look for During Home Inspections?

September 27, 2023

I am faced with a home inspection next week, but I’m not sure how it works on the inside. What do they check?

A home inspection is crucial for getting homeowners insurance. During a home inspection, your insurance company looks for any safety risks and ensures you correctly value your property and possessions. They do it to protect themselves and their customers. 

A typical home inspection includes:

  • Inspecting your home safety system
  • Determining whether you are eligible for any insurance savings you aren’t using.
  • Ensuring you have the right amount of dwelling coverage (the amount needed to rebuild your home; do not configure it with your home’s market value).

The inspector will pay close attention to any possible defects or problem areas and measure your house  (and any additional buildings on the property) to assess its size. They’ll also check that the electrical, heating, and plumbing systems are all up to date.

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