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Inspection and Insurance: What First-Time New Home Buyers in Lavon Need to Know: A Must-Read Guide for First-Time Buyers Navigating New Construction in Lavon, TX

  • Writer: Nitin Gupta, CRS, REALTOR
    Nitin Gupta, CRS, REALTOR
  • Jun 20, 2025
  • 4 min read




Buying a brand-new home in Lavon is exciting—but many first-time buyers assume that since the home is new, there’s no need to worry about inspections or insurance. That’s a mistake that can cost you thousands.

This guide covers everything you need to know about inspections and homeowners insurance when buying a new construction home in Lavon, TX.


Why Inspections Still Matter—Even for Brand-New Homes

“New construction doesn’t mean perfect construction. Many issues in plumbing, roofing, and HVAC aren’t visible during a casual walkthrough,”— Nitin Gupta, Broker Associate, REALTOR®

Lavon has become a hotspot for new homes, with 70%+ of home sales in 2025 coming from builders in communities like Elevon, LakePointe, and Traditions at Grand Heritage.

Even top builders can have:

  • Subcontractor errors

  • Poor drainage grading

  • Missed caulking/sealing

  • Miswired electrical systems

  • Roof flashing problems


When to Schedule Inspections for a New Home

Most buyers assume only one inspection is necessary. But if you’re building from the ground up or buying a spec home, two inspections are best:

1. Pre-Drywall Inspection

Occurs before drywall goes up. Lets inspectors catch hidden structural or mechanical issues.

2. Final Inspection

Completed 3–5 days before your final walkthrough and closing. Catches cosmetic and safety issues like:

  • Broken windows

  • HVAC startup problems

  • Poor attic ventilation

  • Misaligned doors

“You’d be surprised how many new homes need HVAC or roof corrections before move-in,” says Gupta.

Can I Choose My Own Inspector?

Yes—and you should.

Texas does not require new construction builders to hire third-party inspectors. That means the responsibility is yours as the buyer.

Tips for choosing the right inspector in Lavon:

  • Hire someone independent of the builder

  • Look for TREC-licensed inspectors with new construction experience

  • Request sample reports before hiring


What Does a New Construction Inspection Cost in Lavon?

Estimated Costs (2025):

  • Pre-drywall inspection: $250–$400

  • Final inspection: $350–$500

  • Combo packages: $550–$800 (often discounted)

Source: Independent inspectors in Collin County

It’s a small price for the peace of mind—and often leads to the builder fixing $1,000+ in issues before closing.


What to Know About Builder Warranties

Most Lavon builders offer:

  • 1-year workmanship warranty (cosmetic & minor systems)

  • 2-year systems warranty (plumbing, HVAC, electrical)

  • 10-year structural warranty

Your agent can review warranty coverage to ensure:

  • You know who to contact

  • Coverage isn’t voided due to post-closing improvements

  • You request repairs before warranty deadlines expire


Why You Still Need Homeowners Insurance on a New Home

Home insurance is mandatory before closing if you’re financing your home—but it’s also a smart way to protect your investment from the beginning.


First-time buyers often underestimate:

  • Coverage limits – Make sure your policy includes full dwelling and rebuild costs

  • Flood risks – Even if not in a FEMA flood zone, ask if a supplemental policy is recommended

  • Personal property coverage – Factor in furnishings, electronics, and tools

  • Builder vs. buyer liability – Once you close, the home is your legal responsibility

“I’ve seen buyers close on a Friday and have storm damage by Monday. Insurance isn’t optional—it’s essential,”— Gupta

How Much Does Homeowners Insurance Cost in Lavon?

2025 Average Estimates for First-Time Buyers in Collin County:

  • Annual premium: $1,800–$2,400

  • Flood insurance (optional): $500–$800/year

  • Discounts often available for new construction and bundling with auto

Tip: Shop around early. Get 3–5 quotes before closing week to avoid delays.


Why First-Time Buyers in Lavon Work with Nitin Gupta

Nitin Gupta has helped dozens of new construction buyers avoid costly mistakes by:

  • Coordinating inspection timelines and builder communication

  • Recommending licensed third-party inspectors

  • Reviewing insurance coverage requirements with your lender

  • Negotiating builder repairs and warranty follow-ups


  • ABR® – Accredited Buyer’s Representative

  • GRI® – Graduate, REALTOR® Institute

  • CLHMS™ – Certified Luxury Home Marketing Specialist

  • SFR® – Short Sales & Foreclosure Resource

  • SRES® – Seniors Real Estate Specialist

  • e-PRO® – Digital Marketing Certified



Your Next Steps

Buying a new home in Lavon? Don’t skip inspections and don’t wait until the last minute to get insurance.


Schedule your buyer consultation today:https://www.nitinguptadfw.com/contact/



About us: Lavon New Construction Expert Real Estate Agent


As a Top Real Estate Professional in Lavon, I understand the challenges that arise when buying a new construction home. There are over 100 builders in the DFW area. I work with most of the new home builders in Lavon and understand how various builders operate. I am familiar with the options they offer, current incentives and I frequently visit the upcoming communities they are building. I guide my clients through all steps of the new home construction process and aggressively protect their interests in the transaction.


As a holder of top real estate industry certifications and designations like CRS, ABR & GRI, I can offer my clients experience as a Buyer's Agent and REALTOR®, top Industry Customer Service, in-depth, up-to-the-minute and comprehensive market knowledge; honesty, integrity, dedication, and professionalism in my business.


Whether you are a first time buyer in Lavon looking to buy a home in Lavon or whether you are relocating to Lavon from California or moving your entire family from areas like San Francisco, Fremont, Palo Alto, Los Angeles, San Diego in California due to job transfer with your company, I can help you find a new construction home in Lavon. Our relocation team eases the transition - whether you are moving across town or across the globe. We will work with you to find an area that best suits your professional, family and lifestyle needs. We have all the tools you need to help your home search. Whether it is video previews of homes, extended work hours, digital signatures for documents or more, we can make this process as comfortable as possible no matter where you are located.



What is most important to you in your new construction home in Lavon? Send us an email at info@NitinGuptaDFW.com or give us a call at (469) 269-6541 to schedule a no obligation consultation. We’ll give you honest advice about Lavon community that you can use to help make your home buying decision.




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