House Inspection or Policy Without Inspection?

Given the same coverage for an older home, is there a difference in cost or ease of reimbursement/replacement value between an agent inspecting the house prior to a quote and a policy written without an inspection?

Answer: Anything you can do to better document what your home looks like BEFORE you need to make a claim is likely to help over the long term. However, there are no guarantees. The cost of the policy and speed with which you get paid, in the case of a claim, are both dependent on the insurance company's unique underwriting and claim rules.

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