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Inspection and Insurance: What First Time New Home Buyers in McKinney Need to Know

  • Writer: Nitin Gupta, CRS, REALTOR
    Nitin Gupta, CRS, REALTOR
  • Aug 15
  • 3 min read

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Buying your first new construction home in McKinney is exciting, but don’t let the “new” label give you a false sense of security. Even brand-new homes can have defects—and skipping inspection or misunderstanding insurance can lead to financial headaches. Here’s what first-time buyers must know to protect themselves and their investment.


Why You Still Need a Home Inspection—Even for New Construction

  • Builders work on tight schedules, and mistakes happen

  • Inspectors often find issues with:

    • Electrical wiring

    • Roof installation

    • Plumbing and HVAC systems

  • Some problems won’t surface until it’s too late—and you’ve already moved in


“New homes still need inspection. My inspector found missing attic insulation and faulty outlets in a just-completed home.” — McKinney Buyer, 2024

When to Schedule Inspections

  • Pre-drywall inspection: Before walls are closed up, check structural elements

  • Final inspection: Right before closing

  • Warranty inspection: Just before the builder’s 1-year warranty expires


Understanding Homeowners Insurance in McKinney

  • New homes typically cost less to insure due to modern materials and safety features

  • McKinney’s average annual premium: $1,200–$1,600, depending on location and coverage

  • Make sure your policy includes:

    • Replacement cost coverage

    • Coverage for plumbing backups and foundation shifts (common in Texas soils)

    • Loss of use if you can’t live in your home during repairs


Common Insurance Mistakes to Avoid

  • Choosing the cheapest policy instead of the right coverage

  • Not confirming whether the home is in a floodplain (some areas of McKinney are)

  • Failing to bundle policies for better discounts


Why Your REALTOR® Matters

  • Nitin Gupta connects clients with trusted local inspectors and insurance providers

  • As a CRS and GRI certified REALTOR®, he makes sure nothing slips through the cracks


Quick Stats:

  • Over 35% of new construction homes in Texas have at least one significant inspection finding

  • Only 56% of first-time buyers schedule a warranty inspection—many regret skipping it

  • Homeowners with a buyer’s agent are 3x more likely to identify insurance coverage gaps before closing


Final Word

Inspections and insurance aren’t optional—they’re essential. Protect your new McKinney home with the right strategy and an experienced advocate by your side.



Call us at 469-269-6541 for more information about McKinney real estate!


About us: McKinney New Construction Expert Real Estate Agent



As a Top Real Estate Professional in McKinney, 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 McKinney 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 McKinney looking to buy a home in Fields or whether you are relocating to McKinney 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 Fields in McKinney. 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 Fields in McKinney? 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 Fields community that you can use to help make your home buying decision.



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