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Do insurance companies require home inspections?
We finalized the sale on our first house recently and are now looking into home insurance. Will our insurance provider ask us for a recent home inspection?
Claire Beaney · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on the move—and for looking into home insurance!
To answer your question, a home inspection is not always required to obtain homeowners insurance. It’ll change depending on the provider and specific home.
If your house is older or hasn’t been examined in a decade, the insurer may want to know how much risk they’re taking before insuring it and request a home inspection. In most instances, you likely got a home inspection before purchasing your home, so you typically can forward a copy of this to your insurer. Otherwise, they may send an adjuster to inspect your home before extending a policy.
Since you’re on the hunt for
home insurance
, be sure to shop around with multiple providers before deciding on a policy. Jerry
is the easiest and most effective way to find a home or renters insurance policy that is customized for you. The Jerry app gathers affordable quotes and helps you switch plans. Even better—Jerry will help you bundle your home and auto policies
for maximum savings. View full answer
- 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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