When it comes to protecting your home, insurance companies want to know the essentials are in good shape. That’s where a four-point inspection comes in. This inspection provides a snapshot of a property’s condition, focusing on the four major systems that matter most to insurers.
Four-point inspections are especially common with older homes or rental properties. In fact, many insurance companies now require them before issuing or renewing coverage. For homeowners, it’s also a helpful step when shopping for better rates.
Why Not a Full Home Inspection?
A full home inspection dives deep into every detail of the property. Insurance companies, however, don’t need that level of detail. What they care about most is whether the big four are safe and functional:
HVAC System – Insurers look at the condition of the heating and cooling equipment. Some companies may deny coverage if the home doesn’t have central air and heat.
Electrical System – This includes the panel, circuits, and type of wiring. Faulty or outdated wiring is a major fire risk.
Plumbing System – The material and condition of the pipes matter. Certain materials, like polybutylene, are known to fail and may limit coverage.
Roof – If a roof is too old or shows damage, insurance companies often won’t provide coverage. Many draw the line at 30 years or less.
Each of these four areas can present major hazards or lead to costly insurance claims if left unchecked, which is why insurers zero in on them.
Quick, Affordable, and Included in Our Full Inspections
A four-point inspection is fast—we can often complete one in about 40 minutes. As a standalone inspection, it’s $145, but here’s the good news: when you book a full comprehensive home inspection with us, we include the four-point inspection at no extra cost.
Final Thoughts
Whether you’re purchasing a home and need insurance coverage, or you’re a homeowner looking for better rates, a four-point inspection is often the first step. At Bobcat Home Inspections, we make the process simple, clear, and affordable.