Yes, a home inspection can affect your homeowner’s insurance premiums. If the inspection reveals that your home is well-maintained, has updated systems (like electrical, plumbing, or roofing), and poses low risk for claims, your insurer may offer discounts or lower premiums. Conversely, if the inspection uncovers major risks such as outdated wiring, structural issues, or signs of neglect, you may face higher premiums or even be denied coverage until repairs are made. Some insurers require inspections before issuing or renewing policies, especially for older homes or after a claim. Regular seasonal inspections, including spring check-ups, help ensure your home stays in insurable condition and give you leverage when discussing rates with your insurer. Keeping documented proof of upgrades and maintenance following inspections can also help secure favorable rates and avoid unnecessary premium increases.