If you’re purchasing a home or renewing your homeowner’s insurance in Florida, you’ll likely be required to get a home inspection. But should you opt for a four-point inspection or a full home inspection? These two inspections serve very different purposes—and choosing the right one can save you time, money, and frustration.

Let’s take a closer look at how a four-point inspection compares to a full home inspection, when each is needed, and why it’s important to understand the distinction.

What Is a Four-Point Inspection?

A four-point inspection is a focused evaluation of four critical systems in a home:

• Electrical System

• Plumbing System

• HVAC (Heating and Cooling)

• Roof

This inspection is most commonly required by insurance providers, especially for homes that are around 30 years old or more. However, some insurers might request it for newer properties as well.

What Does It Involve?

• Electrical: Inspectors assess the type and condition of wiring. Copper wiring is preferred, while outdated wiring like aluminum could pose a risk and affect your coverage.

• Plumbing: The types of pipes used are checked, as some materials—such as polybutylene—are prone to failure and could impact insurability.

• HVAC: The functionality and age of your heating and cooling system are evaluated, as insurers want to ensure the system is in good working order.

• Roof: Inspectors examine the age, structure, and materials of the roof. For example, shingle roofs over 20 years old and metal roofs over 40 years may not qualify for coverage.

Because the four-point inspection only covers major systems, it’s usually completed in under an hour and comes at a lower cost than a full inspection.

What Is a Full Home Inspection?

A full home inspection is a comprehensive review of nearly every aspect of a property. It includes everything assessed during a four-point inspection, along with additional elements such as:

• Foundation and structural stability

• Exterior and interior components

• Drainage and grading

• Attic, insulation, and ventilation

• Windows, doors, ceilings, and floors

• Built-in appliances and plumbing fixtures

• Fire safety features (e.g., smoke detectors, GFCI outlets)

This inspection is designed for homebuyers who want a full picture of a property’s condition before finalizing a purchase. It can take several hours to complete, and a detailed report is typically delivered within 1–2 days.

When Should You Choose a Four-Point Inspection?

A four-point inspection is appropriate when:

• An insurance provider requests it for policy approval or renewal

• You’re maintaining or applying for coverage on an older home

• You need a fast, basic checkup of your home’s major systems

However, if you’re in the process of buying a home, a full inspection is the better choice. A four-point inspection won’t catch hidden issues like water intrusion, faulty construction, or safety hazards that could cost you thousands later.

Why a Full Home Inspection Pays Off

While it may cost more upfront, a full inspection provides:

• A deeper understanding of the home’s condition

• Leverage for negotiating repairs or a price adjustment

• Confidence in your investment decision

Think of it as a protective step in one of the biggest purchases you’ll ever make. Spending a bit more now can save you a lot in the long run.

Who Should You Trust for Your Inspection?

Whether you need a four-point inspection for insurance or a full home inspection before buying a house, it’s essential to hire a qualified and reliable inspector.

If you’re located in Orlando, Palm Beach, Broward, Hendry, Saint Lucie, or Martin County, consider working with Guardian Angel Inspections. Known for our professionalism, thorough reports, and outstanding service, we go beyond the basic state requirements.

In fact, we were named the best inspection company by the largest realtor organization in Palm Beach County—a recognition that reflects our commitment to excellence.

In Summary

• Choose a four-point inspection for insurance needs or when assessing major systems in an older home.

• Opt for a full home inspection when buying a property or seeking a complete evaluation of its condition.

• Working with the right inspection team ensures you get accurate, honest information—no surprises later.

Need a professional home inspection in Florida?
Reach out to Guardian Angel Inspections today to schedule your four-point inspection or full home inspection with trusted experts.