Question : Is it standard procedure for home insurance agents to visit your house before they insure it?
I was told by my ex that a home insurance agent was coming to look at the INSIDE of my house. I was under the impression only appraisers came to look at the inside of your home. Do home insurance agents do that now too?
- asked by milandranyx
All Answers:
Answer #1
Sometimes.
- answered by rainbowmatrixs
Answer #2
That is not usual unless your home and theinsurable contents have a very high value.
- answered by Joey m
Answer #3
Sometimes - it depends on the agency's rules. Call the home office of the company and ask. Makesure the person coming really works for them.
- answered by Katepoet
Answer #4
I know Allstate usually wants to see the inside ofyour home. Many others are starting to. Makesure they have proper ID before you let them inthe house. They want to make sure there are nofire hazards (stacks of magazines, furnitureblocking the exits, etc), that the wiring,plumbing & heating are up to code. They want tosee if there are any animals living there, anypeeling paint, etc.Most other things they want toknow they can tell from the outside.
- answered by Sue
Answer #5
When you purchase a policy, the insurance companywants an appraisal of your house. In the not toodistant past, insurance agents were the ones thatcame to the house and did the appraisal. However,some insurance agents began sub-contracting thisto other companies/individuals.Your age of thehome may matter as well. An older home may havesome things like knob & tube wiring, or a newerhome may have a number of premium features.
- answered by Apple
Answer #6
that is very rare. most companies send out aninspector to make sure the home is occupied and tolook for any existing damage to the outside of thehome. i do not know of any company that goesinside the home, but i see from another agent thatallstate does this. i have to be honest, i wouldcall my agency and verify this through them beforei let them in my home.
- answered by kh
Answer #7
Nope, they can look at the inside, too. They'rechecking for certain breed dogs, they'll checkyour electric box, they'll check for unrepaireddamage, and they use info like wallpaper, tile,vinyl flooring, to calculate the replacement costof your house.An appraiser doesn't come out untilafter the claim. The agent is doing "front lineunderwriting" and establishing the value of yourhouse.
- answered by mbrcatz17
Answer #8
It is now becoming commonplace for agents to viewboth the interior and exterior of homes to beinsured, including taking pictures for theinsuring firm. Given the losses which theinsurers have sustained after Katrina, the CAwildfires, and other natural disasters, they arelooking to cut losses, and are getting ratherdiscriminating about what they will and won'tinsure.I recently changed insurers and the agentvisited my home. I was advised that I needed torepair a loose handrail on the second floor deckbefore insurance would be issued. There wasconcern that someone might break through the railand fall to the ground, causing a payable claim tothe insurer.
- answered by acermill
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measure and fulfill your financial needs
