You did not say where you are located. It makes a big difference state to state and city to city. As for insurance they are going to be looking for safety issues, like fire hazards.
As for the house being built to code. I live in a state that the codes are handled county by county. My county does not have any codes as such. I like that way. I OWN THE LAND. What I put on it should be my decision as long as it does not effect the neighbors negatively. Even then it should have to be way out there before anything is done.
You sound like you want the government to "protect" you from buying a house with issues. The responsibility should rest with you and the seller. You should be able to see any obvious defects. The seller should tell you and hidden ones, such as a well that goes dry in the summer.
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Today's Featured Article - Running Beans in East Central Indiana - by The Red, John Fritz. Fall is my second favorite season behind the long days of summer. The calendar reads late September and it�s time to start running beans. This article is about my experiences helping my farm neighbor Ernie Swoveland, along with his grandsons Jeff and Craig Ring, with the soybean harvest in East Central Indiana for the 1999 season.
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