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The general theory or principle of homeowners insurance as it pertains to the structure itself is to repair or replace it to its pre-loss condition. It does not cover issues that are caused by deferred maintenance.

Coverage for Structural integrity and quality of workmanship issues are generally addressed under the Buyers Home Warranty offered through the realtor at the time of purchase. However, there are limitations to what the warranty will cover; the one we purchased would not cover appliances for 60 days after purchase.

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โˆ™ 2014-10-16 19:02:27
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Q: Can one buy insurance to cover the structural integrity of a used home?
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