Comments on: Who provides no-inspection home owners insurance?

By: Ann

Ann — Fri, 11 Sep 2009 15:48:15 +0000

Kemper is in the process of cancelling us now because they want thousands of dollars in home repairs done that we cannot afford. THEY DO DO HOME INSPECTIONS

By: AllCourt

AllCourt — Wed, 31 Dec 2008 16:11:07 +0000

Find a local insurance broker. I took ownership of a house once with a deed-in-lieu of foreclosure that was vacant with back taxes and that was pretty trashed. Even before I took ownership I found a local broker that gave me a fire insurance policy (a 3 month policy) so I could insure the house and protect the investment I made. There was no inspection or anything and it was not that big of a deal.

In fact, I’ve taken out policies on several houses, some owner occupied, some vacant, and some rentals, and NEVER did someone come out and inspect. I used Travelers Insurance for most of them…

By: eskie lover

eskie lover — Tue, 30 Dec 2008 15:27:59 +0000

Though you will have to answer some questions about what the house contains in terms of amenities, Kemper does not send an agent out to visually or physically inspect the property. However, you should call and report the remodels, upgrades, additions, etc. you do because it will increase your insurance coverage afterward.

By: Tim O'Brien

Tim O'Brien — Mon, 29 Dec 2008 22:28:25 +0000

You asked:
“are there reputable ….providers….that don’t do inspections..” Think about that.

Sorry – those that are reputable will require you to truthtfully represent the condition of your home, and arrange to verify. Reputable carriers are funny that way – they want to know what they’re insuring. What you seek is one that is NOT reputable — a carrier who asks few questions, and then issues policies so full of exclusions that little real coverage is provided.

Ask your ragent for a FAIR Plan (state backed) policy, or one from Lloyds of London. Then make sure you don’t have any losses.

By: chatsplas

chatsplas — Mon, 29 Dec 2008 21:48:01 +0000

Try GEICO, they’re idiots.