What will home owner's insurance agent be looking at when he comes to inspect house past he will insure it?

Answers: It depends on the agent or insurance company. I've worked for severals and they do not inspect homes until the policy have been issued. If the risk is unacceptable by the underwrite department they will send you a cancellation epistle giving you the explanation on why they can't insure and a refund if eligible.
they will look at the repair of the home. a big entry is the condition of the roof. they will also measure out the square footage and do a cost replacement estimator to make sure the home is insured to replacement cost.
How fleshy a commission hes going to get out of you.
That you have pride of ownership; that in that are not abandoned cars or refrigerators or the like within your yard, that there is not unrepaired mess up to your house. He will look to see if the roof is in good repair.
Maintenance: Is the roof less than 20 years old, and surrounded by good repair? Any missing siding? Paint coming off? Handrails on steps, railing on porches? Electric all working? What kind of electric wiring, and what ampage is the box? Any funny odors? Water in basement? How elderly is the hot water heater?

Valuation: How big is it, and how much will it cost the insurance company to do from scratch?

Liability: Any prohibited dogs? Any trampolines, or swimming pools? Any business activity on the premises? Any broken up sidewalk? Any hazardous trees on the premises, or other injury hazard?
They are looking for the general condition of the house (paint, siding, roof) and also the garage and outbuildings. They are also looking to see if in that are any type of risks on the property (dogs, swimming pools, hot tubs, trampolines, buildings in need of repair, etc) I go and inspected a house one time and the roof was in such impossible shape that there were small trees growing out of the shingles. If the house is within good shape, there is zilch to worry about.

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