My experience has been 50/50 on home inspectors. Our first home inspector in '03 was young and did nothing, found nothing - useless. Last year the inspector was good, we chose him based on our agents recommendation. Although the house is relatively new (built in '04) he found several small issues. He also spent time to figure out how to light the fireplace and even walked me through lighting it once we were living in the house - a phone call after hours, impressive. Regarding agents paying for things... our agent bought us a home warranty, which we used to fix our heat pump issue... which took 2 months without heat in our bedroom in the coldest winter in years. The home warranty company spent $3K in repairs, which would lead you to believe using the home warranty was worth it. In hindsight not really, as I think only a single switch was the root of the problem. Our heating bills were easily $300-500 higher due to the heat strips being used. Also, I removed the Mr. Heater from our old house, which, being attached, was technically not correct, and the buyers complained about it an hour before closing. Our agent bought them a gift certificate to compensate which allowed the closing to happen as scheduled.