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Do home insurance companies come to your house?
I’m about to close on a home and need to find a home insurance policy quickly. I’m not really sure how the process works. For one thing, do home insurance companies come to your house?
Bellina Gaskey · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on closing on the new home! Yes, home insurance companies may come to your house to complete an inspection before finalizing your policy.
You’ll likely give the insurance provider an extensive list of information about the house, from its age to square footage, value, adjacent structures, and more. Even with this detailed information on paper, the company may not feel completely sure of the house’s risk level.
If that’s the case for you, you can inspect a representative to come to the house and perform a thorough exterior and interior inspection. They’ll want to take a close look at your air conditioning system, foundation, roof, gutters, the slope of your yard, and much more.
This will help the company determine whether the values they’ve estimated for your property’s value and replacement costs are accurate. After an inspection, the company may contact you recommending that you increase or decrease your limits or add a new type of coverage.
If you are notified of when someone is coming to inspect the house, make sure you take some time to prepare beforehand. Declutter the house, remove debris from the roof, and take care of any potential red flags, like cracks in the foundation or a mold infestation.
If you still have questions, don’t hesitate to reach out to an agent. They’ll be able to explain more about your particular situation and what to expect.
All you need to do is complete a 45-second sign-up, and you’ll have access to dozens of competitive quotes from trusted name-brand providers.
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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