Remember before Obamacare AKA Affordable Care Ace, health insurance companies made you submit your health history and even demanded blood work etc before they would issue a policy, and would deny coverage if they didn't like a risk factor?
Well other insurances are not disallowed from assessing risk. So they assess risk. You say you have a "nice house" They want to know about exactly what they are insuring, both the exterior and the interior.
Progressive insurance has an explanation
HERE
Home Insurance Inspection: What to Expect | Progressive