Why does my insurance company want to inspect my house?

Inspections help insurers assess the condition of your home to identify potential risks, ensure adequate coverage, and verify information provided in your application.

Insurance companies inspect homes to assess risks and verify the condition of the property. Inspections help insurers determine appropriate coverage limits, premiums, and identify any maintenance issues that could lead to future claims.

The insurance company might send someone to inspect your home before issuing a policy. They could identify potential hazards, such as an old roof or faulty wiring, that need to be addressed to qualify for coverage.

Address any maintenance issues that an inspection might flag to avoid policy cancellation. This can also help you negotiate better terms for your insurance.