This year, more than four-million families throughout North America will be seeking a home of their own. Unfortunately, there are among them some who will attempt to save the few hundred dollars that it costs to enlist the services of a professional home inspector. The risks involved in buying a previously owned home run the gamut from a simple, relatively inexpensive problem such as additional attic insulation to an expensive septic tank replacement. A good home inspection consists of a two-hour-or-more examination of the home's structural, mechanical and electrical elements. From top to bottom, inside and out. If there are major, costly problems in a house, a qualified inspector should uncover them. When shopping for a home inspector, try to avoid a firm that might have conflicting interests, such as those that are in the home repair business. Also, check to be sure that the firm carries the necessary insurance. And that's the On The House tip for today.