04/08/2026
🏠 Own a home in San Diego built before 1990? Your insurance company may require this.
A 4-point inspection looks at the 4 systems insurance companies care most about:
✅ Roof
✅ Electrical
✅ Plumbing
✅ HVAC
Here's why it matters for older San Diego homes specifically:
Many homes built before 1990 still have original systems that insurers consider high-risk. We're talking aluminum wiring, galvanized pipes, older panel boxes, and aging roofs — all things that can make it harder to get or renew your homeowners insurance.
With California's insurance crisis hitting San Diego hard right now, more carriers are requiring inspections before issuing or renewing policies. We're seeing homeowners get dropped — not because their home is in bad shape, but because their insurer has no documentation of its condition.
A 4-point inspection gives you that documentation. It's faster and less expensive than a full home inspection, and it could be the difference between keeping your coverage and losing it.
If your home is 25+ years old and you haven't had one done, it's worth looking into before your renewal comes up.
Questions? Drop them in the comments — happy to help. 👇
📞 619-678-8184
🌐 Monaco Home Inspections | San Diego County | South Orange County | Imperial County | South Riverside County