Homeowner's insurance inspections assess property condition to evaluate risk and determine premiums or coverage. Inspections vary by insurer and home age, ranging from drive-by exterior checks to detailed four-point inspections covering roof, HVAC, plumbing, and electrical systems. Older or high-value homes may undergo full inspections, including safety features and structural checks. Some insurers allow self-inspections via photo submissions. Inspections may lead to premium changes, required repairs, or policy cancellation.