How To Look At A House
McGarry and Madsen's home inspection blog for buyers of
site-built, mobile/manfuactured and modular homes
Will a four point inspection lower my homeowners insurance premium?
Monday, January 4, 2021
“How much will I save on my homeowners insurance if I get a four-point inspection?” is a question we often get asked. But if an insurance company wants a four point inspection as a requirement for coverage, you will not get a discount for passing the inspection. If your house fails the inspection, you won't get offered a policy until necessary repairs have been made—except that in some cases the company may write the policy and give you thirty days to make repairs and provide proof of them.
If you are using an agent that represents multiple companies, however, you may get a price from one company that does not require a four-point and another one the does. Usually the company that wants a four point will cost less for the coverage. So, in that sense, passing a four-point may get you a better price.
Also see our blog posts How often do you need a four point inspection? and What causes a house to fail a four point inspection?
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