Do you have to have a survey of your home to get homeowners insurance?

It is generally not required to have a property survey in hand to secure homeowners insurance. However, having a survey may be helpful in the process of purchasing home insurance. Your property survey will show you the exact dimensions of your property, which is helpful in understanding whether certain unattached structures, such as walls and fences, are your property to insure or your neighbor’s.

A property survey will also usually provide an estimate of the cost to replace your house. In addition to providing the fair market value of your house, the survey details the type of construction and materials, which speaks to the replacement cost. This is all very informative when shopping for home insurance and deciding how much insurance coverage to purchase. Having the information from a property survey will make the shopping process simpler and allows you to be a more informed insurance consumer.

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