What Is the 4-Point Inspection vs Full Home Inspection?

A 4-point inspection targets the four systems most likely to cause costly problems: the roof, electrical system, plumbing, and HVAC. Insurers often request it for homes older than 25 years to assess risk. The inspection looks at condition, age, and safety of these components, not the whole house.

A full home inspection is a comprehensive evaluation of the entire property. It covers structure, foundation, interior and exterior surfaces, windows, doors, and sometimes appliances. Buyers and sellers use it to understand overall condition before a sale. The report lists defects and maintenance needs across all areas.

A full home inspection is broader. The inspector walks through every room, checks walls, ceilings, floors, windows, and doors. They look at the attic and crawlspace for insulation, ventilation, and moisture. The goal is to spot any existing or potential problems that affect the home's value or safety.

The report includes many items: structural components, roofing, exterior cladding, interior finishes, and sometimes appliances. It may also note signs of water damage, which is important in humid climates. However, it does not test for mold or air quality unless you add that service.

• Structural framing and foundation
• Roof, gutters, and exterior walls
• Plumbing fixtures and drainage
• Electrical outlets and fixtures
• Heating and cooling systems
• Interior rooms and attic spaces

Costs vary widely depending on your location, home size, and inspector. A 4-point inspection is typically less expensive because it covers fewer components. A full inspection costs more because it takes longer and examines more areas. The exact price depends on the property and local rates.

Time also differs. A 4-point inspection might take about an hour, while a full inspection can take two to three hours or more. The full report is longer and more detailed. Both require access to the home, so you need to be present or arrange entry.