Among Friends

[santorini]

I wouldn't like that.  I've never had to do that.  If they're worried the amounts don't match, it seems like it shouldn't matter.  If you tell them your home is worth $400,000 and you pay that price, then your home burns down, $400,000 is your limit.  Why would they care if the value was actually $600,000?  You're not getting $600,000 from them.  I'm probably oversimplifying this.    

[mspatmac]

Yes, when I refinanced they did an in and out inspection.  Inside just consisted of a walk through, no big deal.  Worked to my benefit when they increased the values.  

[Carmie]

I have State Farm insurance.  The agent calls every year and asks about upgrades and replacements we made, but has never asked to inspect the inside.

They did take  pictures of the outside of the house.  We have seen them and asked what they were doing.

I don't think I would feel comfortable having somone inspect my house inside.  I wonder what they're looking for.

If your house is old, maybe the plumbing and electrical for safety reasons would be checked.  I wonder what the qualifications the inspector has.

[RespectLife]

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@mspatmac wrote:

Yes, when I refinanced they did an in and out inspection.  Inside just consisted of a walk through, no big deal.  Worked to my benefit when they increased the values.  

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If they increase the values, your policy cost usually goes up!

I made a change to my homeowners about 6-8 months ago.  Same company...saved me $50 on the premium.

All of a sudden, they wanted to do an inside inspection.

I just said No.  

[Estellee]

My insurance company cancelled me last year for no reason. My home is 44 years old and I live in South Florida so for me to get insurance from another company they needed an inspection of the roof and also the electric panel and plumbing. Even with no mortgage they still have the upper hand, have to comply or no insurance 

[ciao_bella]

About 5 years ago, I decided to change our auto insurance to a company that's considered one of the top insurance companies in NJ, which is New Jersey Manufacturers.   Along with the auto, I also bundled the insurance with homeowners insurance.  I was told a quick 'walk-around' the outside of the property would be done, which it was.  I did receive a good package deal bundling the insurances, however, I received a letter indicating the tree that was growing on the driveway side had a few branches that were overhanging the garage roof.  It was an observation by the inspector but did not require any action.  I had the branches cut anyway, as the tree needed the canopy trimmed as well.  The insurance from this company has saved me quite a bit of money over the years, as once a year the company shares their auto profit with its customers with a rebate check mailed to you.  The rebate check is usually in the amount of $150-$175.  I'll also add that this particular insurance company's policies are less expensive than other companies and you get better coverage.  So, I'm quite satisfied with them.   

[hckynutjohn]

@BunSnoop 

Yes, several. 1 Inspector I unpolitely showed him the door. He asked "where is your wife"? Huh!! 

They sent another Inspector out a few days later, and he didn't get into my private life.

hckynut 🇺🇸

[RedTop]

Yes, our home has been inspected inside and out twice by our State Farm agent.  

The first time was when the house was built in 1981, just before we moved in; it was simply visual verification.  The agent walked around the outside of the house, came thru the basement for a quick peek, walked up the steps to verify the number of inside rooms upstairs and left.  He might have been here 15 minutes.

The second time was also a visual verification after we added the garage.  Our long time agent had just retired and we were assigned to another local State Farm agent, so his visit was more of a very brief meet and greet along with verifying the information we gave about our addition.  Again, 15-20 minutes tops, not a big deal.  

I update our policy every year when we receive our coverage renewal, so that anything we've done as far as plumbing, electrical, heating, etc., is up to date.   

[Sage04]

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@granddi wrote:

When selling our home, the buyers home insurance required an inside and out inspection. I don't know what they were looking for but we complied. 

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@granddi  that's normal. The buyers always hire an inspector. Those people find things that you can't see lol. They try to find anything that's wrong.

We flip houses and sometimes we get a five page document about every little thing. Most of the time the buyers would just ask to have a few things fix.

[ScrapHappy]

We had Liberty Mutual for years.  Never asked for an inspection inside or out.  When I got fed up with Liberty Mutual (for many reasons) and switched to Allstate, they did an outside inspection only.  Tht was about 6 years ago.  Allstate price increases got insane.  Decided to try an insurance broker.  Recommended a company for both home and auto.  Got a better price with more coverage.  But this company did want to come to my house and look inside and out.  He wa there for less than 10 minutes.  Took some pictures.  Asked a couple of questions.  Mainly what we've done to the house, what this bathroom updated/remodeled and what it cost, etc.  After his visit, they increased our premium by $2000.  Even my broker was shocked.  Of course, we dropped them and went with another company my broker recommened.  I will say that we have a high value home.