However, inspection is not an issue.
Will be required by the insurance company anyways when I switch
insurers - which is another reason I'm considering doing it NOW.
I moved my car insurance from the insurer I've been with for 53 years,
who currently also insure the house. The new insurer wants an
inspection.

thanks you point out something I have been posting here for years.

homeowners insurance companies frequentky REQUIRE a inspection before
writing a new policy.....

some posters here claimed this wasnt occuring.

check your home for obvious defencies, things like age and condition
of roof, presence of K&T wiring, your current issue a fuse box, bad
sidewalks, things like trip hazards, overall condition of home, do all
stairs have handrails? any debris under a porch or piled up in yard,
you go away on extended vacations? or snowbird to a winter home?

all of these and more can either raise or homeowners cost or make
getting insurance impossible