What is a Home Inspection? Everything You Need to Know

Buying a home is a big investment, and you want to know exactly what you’re getting into before you sign on the dotted line. That’s where a home inspection comes in. A professional home inspection gives you a closer look at the property’s condition so you can make an informed decision about your home purchase.

But what does a home inspection involve, and why is it important? Let’s break it down.

What is a Home Inspection?

A home inspection is a professional evaluation of a home's condition. During an inspection, a trained inspector examines major systems and the structural features of a home, checking for issues that could lead to costly repairs.

Home inspections are especially important for buyers because they reveal potential problems that may not be visible during a standard walkthrough. The results of the inspection can help you negotiate repairs, adjust your offer, or decide whether to move forward with the home purchase.

What Do Home Inspectors Look For?

Each home is different, but most inspections focus on major systems and structural components such as the roof and foundation. According to the American Society of Home Inspectors (ASHI), a standard home inspection includes:

• Roof: Shingles, flashing, gutters, and overall condition
• Foundation and structure: Visible cracks, stability, and signs of shifting
• Basement or crawl space: Moisture issues, leaks, and foundation concerns
• Attic and insulation: Ventilation, insulation levels, and possible damage
• Walls, ceilings, and floors: General condition and signs of water damage
• Doors and windows: Functionality and general condition
• Electrical system: Wiring, outlets, panels, and general electrical issues
• Heating and cooling systems: HVAC operation and potential issues
• Plumbing system: Pipes, fixtures, drains, and water heater

To stay organized during the inspection consider using a home inspection checklist to track any concerns and questions. This can help you understand the inspector's findings and plan for potential repairs.

What's Not Covered in a Home Inspection

A home inspection focuses on visible and accessible areas, but some things fall outside its scope. ASHI guidelines state that standard home inspections do not include:

• Septic tanks and well pumps
• Inside walls and ceilings
• Detached structures, like sheds or barns
• Swimming pools and spas
• Chimneys and fireplaces
• Water quality testing

If you need an inspection of these areas, you may need to hire a specialist. Some home inspectors offer additional services for an extra fee.

When Should You Get a Home Inspection?

The best time to get a home inspection is after the seller accepts your offer but before closing on the house. This allows you to uncover potential issues before finalizing the purchase. If the inspector finds major problems, you may be able to negotiate repairs, ask for a price adjustment, or even walk away from the deal if needed.

Attending the inspection is a smart move. It gives you a chance to ask the inspector questions, see any issues firsthand, and better understand the home’s condition before you commit. Since buying a home is one of the biggest investments you’ll make, this step can help you feel more confident about your decision.

Why a Home Inspection Matters

Even if a home looks perfect, hidden problems could be lurking beneath the surface. A home inspection helps uncover potential issues – like electrical hazards, plumbing leaks, or foundation problems – that could cost you thousands of dollars later. Knowing about these problems upfront allows you to plan for repairs or reconsider your purchase.

Beyond just identifying issues, a home inspection also gives you peace of mind. It reassures you that the home is in good shape or helps you make an informed decision about whether to move forward.

Get Peace of Mind with a Home Warranty

A home inspection helps you spot potential problems with systems like plumbing, heating, and cooling, but it doesn’t protect you from unexpected breakdowns to these systems or appliances after you buy a home. As a new homeowner, a home warranty can give you peace of mind knowing that when your home’s covered systems and appliances break down, your budget is protected from unexpected repairs and replacements.

See how a home warranty can help you today.

Home Inspection FAQs

Here are some answers to your questions about home inspections.

How long does a home inspection take?

Most inspections take two to four hours, depending on the home's size, age, and condition. Larger or older homes may take longer, especially if the inspector finds major issues.

How much does a home inspection cost?

A home inspection typically costs from $300 to $500 on average. Prices vary based on the state, location, home size, and any extra inspections needed.

Who pays for a home inspection?

The home buyer usually pays for the home inspection. In some cases, the seller may agree to cover the cost as part of negotiations, especially in a competitive market or if issues arise that need further evaluation. Occasionally, a lender or real estate agent might offer to pay as an incentive, but this is less common.

What’s the difference between a home inspection and home warranty?

A home inspection identifies existing issues before you buy a home, while a home warranty helps take care of covered repairs and replacements after you purchase your home. An inspection is a one-time check, whereas a home warranty provides year-long protection.

The contents of this article are provided for general guidance only. First American Home Warranty does not assume any responsibility for losses or damages as a result of using this information.