PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
What do insurance companies look for during home inspections?
I have a home inspection scheduled for next week. I am about to get a new homeowners insurance policy, and my insurer wanted to send an inspector. I’m not sure what to expect—what do insurance companies look for during home inspections?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Home inspections can be hugely helpful when starting a
homeowners insurance
policy. During a home inspection, insurance companies are looking for obvious safety risks and to ensure you’ve correctly valued your home and possessions.There are three main goals of a home inspection. First, the insurer wants to identify any safety risks which could lead to a claim. It is in the insurance company’s best interest to help you avoid damages that would cause an insurance claim.
Second, insurers will see if there are any insurance discounts you’ve qualified for that you aren’t taking advantage of.
Third, they want to make sure you’ve selected the correct amount of insured dwelling value. This is the amount it will cost to rebuild your home (not its market value). Your dwelling value affects your pricing and payouts.
To achieve these goals, the home inspector will do a full walkthrough of your home and property. They’ll also take measurements of the house and any additional structures. Finally, they’ll ensure the electrical, heating, and plumbing systems are all current and working.
If you’re still searching for the right insurance premium, you should download
Jerry
. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price. View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Car Repair Resources
Insurance for Your Car
Insurance in Your State
Insurance In Your City
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies