Home Insurance Inspections

Golden Gate Home Inspections
Based on 403 reviews
Golden Gate Home Inspections
Based on 403 reviews

Home Insurance inspections near you in the San Francisco Bay Area

Home Insurance Inspections

  • Certified home inspectors
  • Detailed home inspection reports
  • Experienced Inspectors
  • modern inspection tools

Our Home Insurance Inspections help homeowners renew their home insurance policies or help buyers get a new insurance policy on their newly purchased home. These inspections have grown in necessity since insurance companies started pulling out of California and the insurance companies that are still issuing policies are requiring homeowners or buyers to get a Home Insurance Inspection before policy renewal or issuing a new policy.

Home Insurance Inspections are also known as 4 Point Inspections because home insurance inspections focus on the 4 major aspects of your home:

  • Roofing System
  • Electrical System
  • Plumbing System
  • HVAC System

When performing Home Insurance Inspections our home inspector will take a look at the entire building and each one of the major systems (roof, electrical, plumbing, and HVAC). After inspecting these items, we’ll prepare a report for you with our findings and then generate a Home Insurance Inspection report for you with a separate, simplified, home inspection checklist report for you to send to your insurance company.

Should you choose to repair some of the items noted in the report to get a better grade on your report, you can then schedule a re-inspection at $300 to have the repairs verified and the report updated.

Commercial Inspections for Purchases or Triple Net Leases

Schedule Inspection

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Why Choose Golden Gate Home Inspections?

At Golden Gate Home Inspections, we know how critical it is to choose the right home inspection company for one of the most important decisions and financial investments that you may ever make. Our home insurance inspections are designed to help ensure you have a complete understanding of the current condition of 4 major systems of your home and to help you through the home insurance renewal process or to get insurance on your newly purchased property.

Certified Home Inspectors

All of our Home Inspectors are certified by either ASHI or InterNACHI to provide industry-standard Home Inspections for buyers, sellers, and existing homeowners.

Highly Rated

We are a highly rated home inspection company. We have earned this reputation by providing quality, unbiased home inspections, and excellent customer service.

Experience & Training

Our home inspectors have years of experience in the trades and perform additional training yearly to stay up-to-date on the latest home inspection tools and techniques.

Rapid Turnaround

We are an agile and accommodating inspection agency. Our normal turnaround is 1-2 business days but we can do same-day reports for tight contingency timelines.

Pricing Details

How Much Do Home Insurance Inspections Cost?

The price of home insurance inspections varies based on the square footage of the property,
and what’s included in the inspection. Home Insurance Inspections start at $585 for a home up to 2000 sqft.

Home Insurance Inspections

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Home Insurance Inspections, often required by insurance companies before issuing or renewing a policy, typically include a thorough examination of key aspects of a home to assess its condition and identify any potential risks.

1 Certified Home Inspector
1-2 Hours

  • Roof
  • Electrical System
  • Plumbing System
  • HVAC System

Not what you need? Check out the other home inspection services that we provide.

Home Insurance inspections are an important part of getting or renewing home insurance policies

What are Home Insurance Inspections?

Home insurance Inspections, or 4-point Inspections, are a targeted examination of the crucial systems of the home for insurance purposes, highlighting the condition and functionality of four major components of your home.

Our focused home insurance inspections, or 4-point inspections, are particularly significant for insurance companies to assess potential risks and determine the insurability of a property. By concentrating on these critical areas, homeowners can address necessary repairs or updates that might affect their insurance coverage and premiums.

At Golden Gate Home Inspections, all of our home inspectors who perform home insurance inspections are certified, by either InterNACHI, ASHI, or CREIA. They are trained to inspect each system of a home and are specialists in inspecting the wide variety and ages of properties in the San Francisco Bay Area.

Home Insurance Inspections and 4 Point Inspections

Our Home Insurance inspections are detailed and comprehensive

What do Home Insurance Inspections include?

Roof Inspection

Our Home Insurance Inspections evaluate the overall condition and remaining lifespan of the roof. Inspectors look for signs of wear, leaks, missing or damaged shingles, and any other factors that could compromise its integrity or lead to future damage.

Electrical System Inspection

Home Insurance Inspections assess the electrical panel, wiring, circuit breakers, outlets, and safety features such as ground fault circuit interrupters (GFCIs). This part of the inspection ensures that the electrical system is up to code, functioning safely, and without any potential fire hazards.

Plumbing System Inspection

During Home Insurance Inspections our inspectors assess the condition and type of pipes, fixtures, faucets, and joints, as well as the water heater. Inspectors look for any signs of leaks, or water damage, and evaluate the overall plumbing system’s health and functionality.

HVAC Inspection

Home Insurance Inspections provide an assessment of the condition, age, and efficiency of the heating and cooling units. This includes ensuring that these systems are in good working order, properly maintained, and do not pose any safety risks.

Frequently Asked Questions about Home Insurance inspections

Frequently Asked Questions

The average cost of a Home Insurance inspection in the San Francisco Bay Area starts at $535 for properties up to 2000 sqft.

The final cost of a Home Insurance inspection varies and depends on the total square footage and any other services added on such as a Termite Inspection

A Home Insurance Inspection looks at the property’s Roofing System, Electrical System, Plumbing System, and HVAC Systems.

The scope of Home Insurance Inspections can be extended to include a full home inspection. This would include inspections of the exterior, foundation, windows, walls, floors, and a room-by-room inspection.

Home Insurance inspections normally take about 30 minutes per 1000 square feet. Depending on the size of the building, plan for 1-2 hours for the duration of the inspection.

Scheduling is normally possible within 1 to 3 days from the time you call us. 

We have a team of inspectors so finding a time for your last-minute inspection is possible. 

Our inspection reports are usually delivered 1 to 2 days after the inspection.

If you need the inspection report faster, same-day home insurance reports are possible at an additional fee of $75. 

No, we do not give prices for repairs on deficiencies that we identify. It is usually best to take the report to a licensed general contractor and get an estimate from a professional in your local area as prices vary greatly throughout the San Francisco Bay Area.

We recommend working with your realtor or reaching out through your network to find the right home services professionals for your home.

Protect Your Investment.
Schedule a Home Insurance Inspection Today

Home Inspection Tips

We provide home inspections for home buyers, home sellers, and realtors.
Preparing for your home inspections can help ensure that the inspection goes smoothly.

Family in New Home

Tips for Home Buyers

As a homebuyer, we want to make sure that you get the most out of your home inspections. Here are some quick tips for home inspections for buyers:

Attend the Inspection: Attending the home inspection is a good way to see the issues firsthand and get explanations about causes and possible solutions.

Come Prepared: Write down any specific concerns about the property and/or questions to ask the inspector.

Check Property Disclosures: Review the seller’s property disclosures before the inspection. Make sure to inform the inspector so that they can inspect those items specifically.

Let the inspector work: Try to avoid unnecessary interruptions to the inspector so that they can focus and provide you with a thorough home inspection report.

Ask questions at the end: Make sure to ask any questions that you have before the inspector leaves.

Getting a quality Home Inspection is an essential part of purchasing a home. This key part of the process of purchasing a home should never be overlooked as it can be the difference between a great purchase and a bad decision.

Our home inspections are an all-encompassing test of the condition of your home. We check all of the major systems of the home, test all of the appliances, and report on the general condition of the property. Because the purchase of a new home is such a significant decision it is essential that you use the home inspection to detect any costly repairs that may need to be made and to find out the true condition of the home. In the San Francisco Bay Area, many homes are decades old and have had multiple owners or tenants so you want to keep that in mind.

If you are concerned about the foundation, we can help. We have deep experience examining and assessing the many foundation types found here in the Bay Area and providing guidance on issues we may find. We have found through our foundation inspections that most homes in the bay area have some cracking in the foundation but not all cracking means you shouldn’t buy a home or you have to undertake a major foundation repair work. Let one of our experienced foundation inspectors take a look and give you some insight.

Termite Inspections are also recommended as it is focused specifically on wood-destroying pests and goes beyond the surface to find problems. Termite inspection reports also include pricing if any wood-destroying pests have been identified. The work order will have pricing for the eradication of the pests plus the repair of any wood damage they have caused.

Plumbing, roofing, wiring, and insulation issues can all be detected by one of our certified home inspectors and this can save you hundreds if not thousands of dollars on repairs. At Golden Gate Home Inspections we are in the business of not only saving you money but also helping you feel confident about your purchase and settling you into your new home in the San Francisco Bay area.

home inspections for home sellers

Tips for Home Sellers

Home inspections for Sellers or pre-listing inspections can help you understand any deficiencies that might affect your purchase price.

Selling your home can be stressful and the last thing you want is surprises. Surprises can negatively affect your transaction. 

Below are some tips that can help you get prepared for your home inspection and avoid receiving a home inspection report that is full of basic maintenance issues. We hope that these lists help you sell your home quickly and with the least amount of hassle. 

Here are some quick tips we recommend for your pre-listing inspection:

Before Inspection Day


  • Clean debris from roof coverings, gutters, downspouts, and drains
  • Re-caulk exterior windows and doors
  • Repair any damaged masonry on walkways or steps
  • Repair any minor defects on the exterior surfaces
  • Replace any missing or damaged shingles on the roof
  • Seal driveway cracks


  • Repair leaking faucets and fixtures
  • Repair cracked and broken window panes
  • Have chimneys cleaned
  • Have a licensed electrician inspect receptacles and switches, then make any necessary repairs. Make sure to have GFCI outlets installed within 6′ of any water source
  • Re-caulk around bathtubs and sinks
  • Arrange service for your HVAC unit
  • Replace batteries in smoke and carbon monoxide detectors
  • Loosen any windows that are painted shut
  • Make sure all doors and windows open and shut smoothly

Disclosures and Warranties

  • Disclose any past fires, floods, moisture intrusion events and major repair work
  • Provide any building permits or plans for past or planned renovations
  • Provide invoices and warranties for any major improvements, such as, roofs, furnaces, hot water heaters, and appliances

Inspection Day

  • If the buyer will be present, we recommend that you be away from the house for the duration of the inspection
  • Clear entrances to any crawlspaces, attics, basements, storage sheds, or garage
  • Clear pathways to the furnace, water heater, and air conditioner
  • Provide keys for any locked doors
  • Keep any pets in a safe location or remove them from the property if necessary
Home Inspections for Real Estate Agents

Tips for Listing Agents

Home inspections are a key part of most real estate transactions, whether buying or selling. As a real estate agent, it’s important to understand how to navigate this process, which can help your clients get the most out of their home inspection. In fact, quality pre-listing home inspections can provide a smoother sales process with fewer headaches and stress. These inspections can help you get maintenance performed before the property hits the MLS and you have offers coming in while preserving your negotiating position.

Listing agents can play an important role in helping their client prepare their homes to go on the market. Staging and cosmetic improvements may come top of mind in terms of creating additional perceived value for the home. This is normal. However, sellers should also consider preparing their homes for the home inspection.

The results of pre-listing home inspections can affect the transaction by giving buyers the opportunity to use the issues located in the inspection report as leverage to negotiate a lower purchase price. And, in some cases, the deal may fall apart because of some of the findings in the home inspection.

Listing agents can help mitigate the need for these negotiations by helping your seller get prepared for a successful home inspection. By helping your client get prepared for the home inspection, you can help them avoid the headaches that can come from unexpected surprises.

So, aside from the cosmetic improvements and staging that you are planning, here are some other items to consider:

Safety Hazards

  • Test all Smoke Detectors, replacing batteries if necessary
  • Test or install CO Detectors. Make sure that one is present in between the kitchen and the bedrooms
  • Look for any electrical issues: GFCI outlets installed within 6′ of a water source, electrical outlets without covers, open junction boxes
  • Look for any mold-like substances and repair as possible
  • Look for any Trip Hazards on walking surfaces, interior or exterior, as well as steps and handrails
  • Open and close all windows in the property as they are a form of egress in case of emergency

Other Issues

  • Check for ceiling stains as they can indicate current or previous water damage issues
  • Check for leaky faucets, slow drains, and running toilets
  • Look for, repair, and paint any rotting exterior wood. This can alert you to signs of wood-destroying pests or structural damage prior to listing

Making repairs and getting those items cleared out of your home inspections report is a crucial step before uploading the report to the MLS.

With Golden Gate Home Inspections, we provide you with several ways to get your home inspection report cleared. Make sure to speak with our customer service team when you book your home inspections. They can provide you with the details necessary to list the property with as clean a report as possible.

Buyers Agent

Tips for Buyers Agents

Detailed and thorough home inspections can help provide your buyer with confidence that they need to move forward, maintenance tips, provide leverage during the negotiations, and avoid costly legal issues after the transaction is completed. Smart realtors use home inspections as a protective tool.

As a real estate agent, it’s important to understand how to navigate this process, which can help your clients get the most out of the home inspection. It can also help build trust between agents and their clients.

When it comes to buyer’s home inspections, one of the primary roles that you can play is in educating your buyer about the importance of getting an inspection.

This includes some of the following items:

  • Explaining the home inspection process and why it’s important
  • Setting expectations for your client
  • Helping your buyer understand the results of the home inspection report (don’t focus on the trivial)
  • Please DO attend the inspection
  • Please DO convey any specific issues you are aware of from the disclosures to the inspector so that they may take a deeper look
  • Please DON’T invite too many people to the inspection as this can be a distraction and cause items to be missed

In summary, a positive home inspection will pave the way for a smoother closing. Home inspections provide your clients with valuable knowledge and give your clients a chance to have the key issues noted in the report repaired. And in the end, your client will appreciate having a full understanding of the condition of their new home.

The Home Inspector’s Blog

Sewer Lateral Inspections
Home Inspections Tips | Home Maintenance and Improvement

Essential & Overlooked: The Complete Homeowner’s Guide to Sewer Lateral Inspections

Discover the unseen yet vital aspect of home maintenance in our comprehensive guide on Sewer Lateral Inspections. Learn why these inspections are crucial for every homeowner, how they can save you from costly future repairs, and the legalities involved in maintaining your property’s sewer system. This guide delves into the importance of regular professional assessments, the risks and limitations of DIY inspections, and essential tips for preventative maintenance. Stay informed and protect your home by understanding the intricacies of sewer laterals – a key component of your property’s plumbing health.