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What Does a Four-Point Inspection Include?ĭuring a four-point inspection, a home inspector will visually evaluate the four major systems of your home: the roof, electrical, plumbing, and HVAC. But as an incentive, some companies will offer you a discount on your premium if you have a four-point inspection completed – and especially if your home meets certain safety standards. Not every homeowners insurance company requires a four-point inspection before insuring a home. They Can Help You Save Money on Your Homeowners’ Insurance Premium And your prospective insurer can more accurately estimate the cost of insuring your home. As a homeowner, you’ll learn more about the maintenance and repair needs of your home. In fact, these inspections are useful as general maintenance inspections, too. They Offer Peace of Mind About the Condition of Your Homeīoth you and your potential home insurer gain valuable peace of mind after a four-point inspection. It also helps homeowners insurance companies more accurately quote your home’s insurance premium. Getting ahead of brewing issues with a four-point inspection helps you plan for the cost of future repairs and replacements. These systems are the ones most likely to need costly repairs at some point during their operating life.

They’re Proactive Ways to Identify Existing or Future Issuesįour-point home inspections cover only the major systems of your home. Plus, they take just a fraction of the time to complete when compared to a full home inspection, which can take several hours. They’re Faster & More Affordable Home AssessmentsĪt around $50 to $150, 4-point home inspections cost a fraction of what a comprehensive home inspection does ( $400 to $600).

Sometimes called insurance inspections, four-point home inspections have many benefits for you and your prospective insurer. If you’re switching homeowners insurance providers or you’re purchasing a homeowners insurance policy for the first time, you’ll likely need to get a 4-point home inspection. So, whether you’re a homeowner looking to learn more – or a home inspector interested in a new niche – read on to learn more about the purpose of four-point inspections. These types of inspections are usually ordered by homeowners insurance companies to evaluate their risk before issuing a homeowners insurance policy. These include the roofing, electrical, plumbing, and HVAC (Heating, Ventilation, and Air Conditioning) systems. Four-point home inspections are inspections designed to evaluate the four major systems of your home.

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