The home you live in is one of the biggest investments you’ll ever make. Part of keeping that investment secure is by purchasing the best homeowners insurance in the event anything happens to your property and the items you own in it. Many times before you can sign up for an insurance policy, the insurance companies will want to come out to inspect your home after you fill out an extensive application. Don’t stress though, it’s all a normal part of the process to obtain home insurance quotes that will fill exactly what you are looking for in protecting your assets. After all, think of how much heart and soul you put into making your home exactly the type of place that is right for you and your family. Having the best insurance is a part of keeping that home safe.
All the best home insurance companies usually require one of their inspectors to come out to your property. This is done before they can give you an accurate home insurance quote and approve your policy. Orion180 insurance is one of those companies that provide exceptional service to all of our clients that need home insurance providers. Here are some tips on how to prepare for an insurance inspection, so that you are ready to purchase the best homeowners insurance possible.
The Main Reasons for a Home Insurance Inspection
There are two main reasons that insurance companies want to come out to see your home before home insurance quotes come into play. The first reason is to correctly appraise the value of your home for replacement cost. The other reason is that they need to access any risks that might be present in or around your home. That includes potential problems with the plumbing, electric, roof, or HVAC systems.
The Three Types of Insurance Inspections
There are three main types of inspections that the best home insurance companies provide. Those include the interior, exterior, and what they call in the insurance industry, a four-point inspection. The type of insurance inspection you’ll need is usually dependent on how old your home is. The inspector is basically looking to figure out if, as an older home, it’s been maintained well over the years without any obvious repairs or damage that needs to be taken care of.
How to Get Ready for the Actual Insurance Inspection
There are specific actions you can take as a homeowner to help your inspection from Orion180 go well. Depending on how large your home is, and the type of inspection needed, it can take anywhere from a half-hour to a couple of hours on average. The agent looks for defects or damage on all the major systems that run your home, along with things like staircases, fire alarms, anti-theft devices, and the condition of the basement for leaks.
They will look at exteriors like the roof, siding, potential damage from trees, and any other structures on your property, like sheds or garages. The driveways, patios, and decks will be evaluated as well. These are inspected to find out if there is potential need for expensive repairs.
In getting ready for the inspection, make sure you have updated all the batteries in your fire and carbon monoxide detectors, have the right fire extinguishers in multiple places in your home, clean the dryer vents and fireplace, and fix any obviously damaged windows, doors, or clogged gutters. The better shape your home and exteriors are in will lead to more affordable home insurance quotes.
A Full-Service Insurance Company in Orion180
If you need homeowners insurance in North Carolina, South Carolina, Mississippi, or Alabama, look to the experts at Orion180 insurance. Plus, we’re coming soon with expanded insurance coverage to Tennessee and Georgia. You can count on our protection when you sign up with us for the best homeowners insurance possible.