When buying home insurance in West Bloomfield, MI, your insurer might, or might not, choose to send an inspector to your home to check it out. There is no legal requirement for them to do this, and you have no obligation to consent to a home inspection if you’d rather go with an insurance provider that does not put you through an inspection. It comes down to how each individual insurance provider chooses to do business.
There are two specific circumstances where your insurance provider is more likely to conduct an inspection:
- When you are renewing your policy. Your home insurance provider might want to make sure there are no damages left unchecked, and that the home is not being neglected. So it’s not uncommon for insurers to send inspectors when you choose to renew a policy.
- If your home is more than 25 years old and hasn’t been inspected in a few years. The older the home, the closer attention you’re going to need to pay to it to determine its value and any potential problems. So don’t be surprised if your insurer wants to run an inspection on your antique home.
Home insurers manage a lot of policies, and they might not have the time and resources to send an inspector for every new customer. So while some insurance companies do inspect homes for new policies, most don’t.
If you are looking to get your home in West Bloomfield, MI insured, or if you have any questions about getting covered, get in touch with the folks at Phil Klein Insurance Group. Phil Klein Insurance Group can get you the insurance policy you need to provide you with peace of mind.