[dogdeville]

What is the procedure on getting insurance on my new house that I built myself? Do they come out and look? Test? Inspection?

[ScottGem]

You contact an insurance agent. Each carrier may have a different procedure. Some may require an inspection. But if it is new construction they may just go by Certificates of Occupancy.

[Fr_Chuck]

Where are you, India, Iran, China, Canada ? We are a international site.

Assuming USA, well to build a house, you would have had to get the plans approved by zoning and building departments, All aspects of your home would have been inspected by inspectors, wiring, plumbing, even the foundation before it is covered up by other parts of the building.
The proper building procedures will have to be done before you could even get a permit to move in.

So the insurance is not going to "inspect" but they may come out to do photos and be sure there are no noticeable standards.

Your insurance would not pay of course for fires or other issues from anything done improper or without proper permits

Normally they are going to value the property by the sq feet and the cost of property in your area.

If of course you have something very odd, they may need to review the blue prints and building notes.

[dogdeville]

You contact an insurance agent. Each carrier may have a different procedure. Some may require an inspection. But if it is new construction they may just go by Certificates of Occupancy.

Thanks bud

[dogdeville]

Where are you, India, Iran, China, Canada ? we are a international site.

Assuming USA, well to build a house, you would have had to get the plans approved by zoning and building departments, All aspects of your home would have been inspected by inspectors, wiring, plumbing, even the foundation before it is covered up by other parts of the building.
The proper building procedures will have to be done before you could even get a permit to move in.

So the insurance is not going to "inspect" but they may come out to do photos and be sure there are no noticable standards.

Your insurance would not pay of course for fires or other issues from anything done improper or without proper permits

Normally they are going to value the property by the sq feet and the cost of property in your area.

If of course you have something very odd, they may need to review the blue prints and building notes.

Well this one is odd. I don't have blueprints. I built it myself. I'm in USA. I have my permits. I been living in it for one year alredy and the house is finally 99% complete. I did not use a bank so I bypassed their rules and inspectors. I built house on Lowe's and homedepot cards. I was just pre approved for loan to pay off my land and all credit cards. Now I need insurance. I hate insurance and hate to pay them. I would rather gamble and hope a disaster never hits. Thanks

[ScottGem]

Well this one is odd. I don't have blueprints. I built it myself. I'm in USA. I have my permits. I been living in it for one year alredy and the house is finally 99% complete. I did not use a bank so I bypassed their rules and inspectors. I built house on Lowes and homedepot cards. I was just pre approved for loan to pay off my land and all credit cards. Now I need insurance. I hate insurance and hate to pay them. I would rather gamble and hope a disaster never hits. Thanks

The local Housing Dept didn't require blueprints or plans to issue an permit? That's unusual. Have you gotten COs?

As for insurance, can you afford to rebuild the house if it burns down or suffers a disaster? Where would you live if that happened? Or what would you do if someone visits and gets hurt? Could you afford to pay all their medical bills?

Yes insurance is a gamble. But its also protection. And a lender is going to require that you protect their interest. In my opinion its foolish to forego that protection.

[ebaines]

In my experience the insurance company will definitely come out and look, not to inspect so much as to verify what you tell them - that the house exists, is completed, isn't abandoned, that it's size and quality is consistent your claimed value, how close the nearest fire hydrant or source of water for fighting fire is, whether it's near a stream that may flood, whether there's a pool or other potential liability hazard, etc.

[dogdeville]

Thanks