4-point inspection vs full home inspection: what's the difference?
Two different inspections for two different audiences — here's what each one is for.
✓ Reviewed June 27, 2026 · sources: Citizens, FL OIR, inspection standardsThey are different tools: a 4-point is for your insurer; a full home inspection is for you as the buyer. A 4-point reviews four systems (roof, electrical, plumbing, HVAC) to confirm a home is insurable; a home inspection reviews the whole house so you know what you are buying.
One does not replace the other. On an older Florida home you may need both — plus a wind mitigation inspection for discounts.
Side by side
| 4-point inspection | Full home inspection | |
|---|---|---|
| Who it's for | The insurer | The buyer |
| What it covers | 4 systems: roof, electrical, plumbing, HVAC | The whole home (structure, systems, safety, more) |
| Purpose | Confirm the home is insurable | Tell you the home's condition before you buy |
| When required | Insurer requirement on older homes | Optional but strongly recommended; a contract contingency |
| Typical cost | ~$75–$175 | Several hundred dollars (varies by size) |
When you need both
If you are buying an older home in Florida, you will often want a full home inspection (to understand condition and negotiate) and a 4-point (so the insurer will write the policy). They look at different things and serve different people, so neither substitutes for the other.
Don't forget wind mitigation
Separate from both, a wind mitigation inspection documents wind-resistant features and can lower the windstorm part of your premium by up to ~88%. It is optional but usually worth it on a coastal Florida home.
Common questions
Is a 4-point the same as a home inspection?
Do I need a home inspection if I already have a 4-point?
Which is more expensive?
Sources
- Citizens 4-point scope (roof, electrical, plumbing, HVAC) — Citizens Property Insurance, accessed Jun 2026
- Insurance regulation & mitigation forms — Florida Office of Insurance Regulation, accessed Jun 2026