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 - Listening to Your Tractor - by Curtis Von Fange. Years ago there was a TV show about a talking car. Unless you are from another planet, physically or otherwise, I don’t think our internal combustion buddies will talk and tell us their problems. But, on the other hand, there is a secret language that our mechanical companions readily do speak. It is an interesting form of communication that involves all the senses of the listener. In this series we are going to investigate and learn the basic rudimentary skills of understanding this lingo.
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