4-Point vs. Full Home Inspection
4-Point vs. Full Home Inspection: What’s the Difference?
When you’re buying, selling, or insuring a home—especially in states like Florida—you’ll likely hear about both 4-point inspections and full home inspections. While they may sound similar, the two serve completely different purposes. Knowing the difference helps you avoid insurance issues, make informed decisions, and protect your investment.
In this blog, we break down exactly what each inspection includes, who needs them, and how to choose the right one for your situation.
What Is a 4-Point Inspection?
A 4-point inspection is a focused evaluation required mainly by insurance companies, particularly for homes 20 years or older. Instead of examining the entire home, this inspection looks only at the four systems that pose the highest risk for insurance carriers:
The Four Points:
Roof
Electrical system
Plumbing system
HVAC (Heating & Cooling)
Why Insurance Companies Require It
Insurance carriers use a 4-point to determine whether a home is safe enough to insure. They want to ensure these major systems aren't outdated, damaged, or likely to fail.
What a 4-Point Inspection Includes
Roof age, materials, and general condition
Electrical panel brand, wiring type, and safety issues
Plumbing pipe material, leaks, and water heater status
HVAC age, functionality, and visible defects
What It Doesn’t Include
A 4-point is NOT designed to uncover overall home condition. It does not cover:
Attic or insulation
Foundation or structure
Windows, doors, or exterior materials
Appliances
Flooring, ceilings, or interior defects
Drainage, grading, or landscaping
The purpose is simple: insurance risk assessment, not buyer protection.
What Is a Full Home Inspection?
A full home inspection is a complete top-to-bottom evaluation of the entire property. This is the inspection buyers order during the home-purchase process, and it provides a detailed understanding of the home’s true condition.
What a Full Home Inspection Covers
A comprehensive inspection typically includes:
Roof and attic
Foundation, crawlspace, and structure
Electrical system
Plumbing system
HVAC
Interior walls, floors, ceilings
Doors and windows
Exterior siding, grading, and drainage
Kitchen and bathroom components
Built-in appliances
Safety hazards (GFCIs, smoke detectors, railing issues)
This type of inspection helps buyers negotiate repairs, plan for future maintenance, and avoid unexpected expenses after closing.
Which Inspection Do You Need?
If you’re buying a home:
A full home inspection is essential. It’s your best protection against unexpected repairs and costly surprises.
If your insurance company is requesting paperwork:
You likely need a 4-point inspection to secure or renew coverage.
If you’re buying an older home in Florida:
You may need both — the full inspection for your due diligence, and the 4-point for your insurance provider.
Final Thoughts
While both inspections play important roles, they serve very different purposes. A 4-point inspection gives insurance companies a quick snapshot of a home’s major systems, while a full home inspection provides the detailed information buyers need to make confident decisions.
If you want maximum peace of mind, transparency, and negotiating power, the full home inspection is the way to go. If you simply need to satisfy your insurance company’s requirements, a 4-point gets the job done quickly and affordably.
