--- title: "What is a 4 Point? | Insurance Specialists of SW Florida" description: "A 4 point inspection is a home inspection that looks at the four major systems and structures of an older house: roof, electrical, plumbing, and HVAC." lang: en json-ld: | { "@context": "https://schema.org", "@type": "BlogPosting", "headline": "What is a 4 Point?", "image": [ "https://www.fl-ins.com/assets/four-point-inspection-florida-home-insurance-DQMmBF-E.webp" ], "author": { "@type": "Organization", "name": "Andrew Koehneke" }, "datePublished": "2026-02-27", "description": "A 4 point inspection is a home inspection that looks at the four major systems and structures of an older house: roof, electrical, plumbing, and HVAC.", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.fl-ins.com/blog/what-is-a-4-point" }, "keywords": "Inspections, Home Insurance" } --- [![Insurance Specialists of SW Florida logo](/assets/insurance-specialists-sw-florida-logo-D4Ga2KGg.webp)](/) [Home](/) Insurance [Home Insurance](/insurance/home)[Auto Insurance](/insurance/auto)[Flood Insurance](/insurance/flood)[Condo Insurance](/insurance/condo)[Umbrella Insurance](/insurance/umbrella)[Commercial Insurance](/insurance/commercial)[Golf Cart Insurance](/insurance/golf-cart) [Other](/insurance/other) [Motorcycle](/insurance/motorcycle)[RV](/insurance/rv)[Pet](/insurance/pet)[Travel](/insurance/travel)[Renters](/insurance/renters)[Wind Only](/insurance/wind-only)[Jet Ski](/insurance/jet-ski)[Boat](/insurance/boat)[Builders Risk](/insurance/builders-risk)[Manufactured](/insurance/manufactured) Why Us? 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Most Florida insurance carriers require a 4 point inspection for homes over a certain age (typically 30+ years) before they will issue or renew a homeowners policy. The inspection is quick and relatively inexpensive, and it gives carriers confidence that the home's major systems are in safe, insurable condition. [Get My Quote](/get-a-quote) ## Related Articles [ ![Florida Insurance Guaranty Association (FIGA) logo - safety net for Florida property and casualty insurance consumers](/__l5e/assets-v1/9b887a48-6637-4907-a88a-8d215da4c927/figa-logo.png) ### What Is FIGA? How Florida's Insurance Safety Net Protects Consumers FIGA is Florida's safety net that pays claims when a property and casualty insurance company becomes insolvent. Here's how it works, what it covers, and the payout limits Bonita Springs and Fort Myers homeowners should know about. 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