Buying a home is exciting—and a little overwhelming. Between inspections, paperwork, and packing boxes, it’s natural to wonder who needs what information. One of the most common questions we hear is:

“Should I send my home inspection report to my insurance company?”

The short answer:
No. And here’s why.

Below is a simple, client-friendly breakdown you can share to help buyers protect their wallets (and their sanity).

You’ve been warned not to share the inspection report with your insurance company!

1. Home Inspection Reports Are Extremely Detailed—Insurance Doesn’t Need All That Info

A professional NH home inspection includes everything: small maintenance items, older components, and notes on items that aren’t problems but may need attention in the future.

Insurance companies, however, are focused on one thing:
Risk.

When they receive a lengthy inspection report, even small observations can lead to:

• Higher premiums

• Coverage limitations

• Additional requirements before issuing a policy

In other words: more information than they actually need can work against you.

2. Your Inspector Works for YOU—Not the Insurance Company

Home inspectors document all visible conditions so buyers can make informed decisions. Their job is to be thorough.

If you share that level of detail with your insurance company, they may use it to justify higher costs—even when nothing is truly wrong.

3. Insurance Companies Perform Their Own Evaluations

Most insurance carriers conduct their own exterior review after issuing a policy.
They’re simply looking for major concerns—not the fine details found in a full NH home inspection report.

Sharing a full inspection gives them far more information than they would gather on their own, which could unnecessarily complicate your policy approval.

4. Not Everything Noted in an Inspection Is a “Defect”

Buyers are often surprised that inspection reports include things like:

• Minor, older water stains

• Typical settlement cracks

• Aging but functional systems

• Code differences due to age of the home

None of these are reasons to panic—and they’re very common in New Hampshire homes.

But to an insurance company, these items can appear as “issues,” even when they’re simply part of owning an older home.

5. What SHOULD You Provide to Your Insurance Company?

Insurance carriers typically only need:

• Age of the roof

• Type and age of major systems

• Type of plumbing and electrical

• Foundation type

• Square footage

• Any recent renovations

If they need additional information, they will tell you exactly what to provide.
You can answer their questions without handing over your full inspection report.

Bottom Line for Homebuyers

Your NH home inspection report is a tool for you—to help you understand the home and negotiate repairs if needed.
It is not intended to be a document for your insurance company.

Keeping the report between you and your inspector helps ensure:

• Smoother insurance approval

• Fair premiums

• No unnecessary complications

If your insurance carrier needs something specific, just ask what they require—they’ll guide you.