The 4-point home inspection helps insurers spot outdated or faulty systems. They’ll be looking at these key categories: Plumbing HVAC Electrical Roof condition If your home has outdated systems, it will be a bigger risk to insurance companies. Your premium will be higher.If your roof leaks, your home is at risk for floods and water damage. Water damage can lead to mold and mildew growth, which causes health problems. All of this is going to cost insurance companies.The heating, ventilation, and air conditioning (HVAC) system is one of the most important parts of a house. This system provides heat and air conditioning to the house. The HVAC system also removes humidity from the air and filters dust particles from it.Your insurance company will inspect your HVAC system. Issues with this system can cost them a lot of money.Your insurance company will want to inspect the plumbing system. It can cause floods and water damage, and it’s costly to fix. A bad plumbing system can also cause flooding.Faulty electrical systems can cause fires, putting your home at increased risk. Your insurance company will inspect your electrical system, so they can accurately assess your risk of fires. If you’re at increased risk, you’ll have a higher rate.