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It’s definitely not to help you, that we can agree on. Inspections by home insurance companies are generally done when you have a claim or when you’re a new customer. This is an odd time for a random inspection. Would there be any reason your insurer would be concerned that the condition of your house has changed?

 We addressed inspections previously in this reader question. If you don’t agree to the inspection, the insurer could drop you at renewal time. Then you’d be where you are now – a new insurer might request an inspection.