Most inspections are exterior only so insurance is going off of insured/agent application and any visual cues such as an outdated electrical meter.Also, while it's been difficult to insure these things for many years now it's gotten tighter over the last 5 years in this hard market.

Usually when I close on a house, the insurance company sends out somebody to do a visual inspection.

And sounds like a good set of options you are looking at.Here's some data and visualization on recent trends in some of the markets mentioned here.

It would be like if someone prepared to sell by painting to create fresh visual interest, but chose fuscia and lime green...those colors would certainly catch the eye but I'd never claim that they overdid the curb appeal by painting with too much visual interest.

Here's a bit of visualization/data on some of the markets mentioned in this thread.

Most of the data processing is done in python and visualizations are done using the bokeh plotting library.Drop me a message if you are interested in learning more!

Average person can't visualize how to fix it, but you can (create an extra bedroom for example)3.

Staging your house well can help you attract more attention from buyers, which ultimately helps it sell faster and maybe for a higher price than an unstaged home (see visual):What Are My Staging Options?

I attached some visuals to give an ideal of the type of area. 

Staging your house well can help you attract more attention from buyers, which ultimately helps it sell faster and maybe for a higher price than an unstaged home (see visual):What Are My Staging Options?