While your 4-point home inspection helps qualify you for homeowners’ insurance coverage and can lower your home insurance premiums, a pre-purchase home inspection is also needed when you are buying a home in order to ensure optimal consumer protection. It is much more comprehensive in nature therefore; a full inspection offers the same peace of mind for every aspect of your home. By identifying areas for the seller to either correct or offer concessions, it also increases your potential savings on the purchase of your home.