Technically, yes — you can choose to get only a 4-point inspection instead of a full home inspection. A 4-point inspection will usually satisfy your insurance company and may allow you to obtain coverage.

That said, we strongly recommend against relying on a 4-point alone when purchasing a home. A 4-point is very limited: it only documents basic information and photos of the four major systems for insurance purposes. A full home inspection, on the other hand, is detailed and comprehensive, giving you a clear picture of the home’s condition and helping you avoid costly surprises. You can see the difference between the reports here: https://housescanfl.com/comparing-reports/.

Skipping a full inspection puts you at significant risk, and in most cases the added protection of a full inspection far outweighs the cost.