Home inspections are rarely done in an emergency; typically inspections occur when you are in the process of buying a new house or apartment to insure that everything is in working order, or when you are planning to sell your house and want to get approval from the city, bank, and real estate agents to put your house on the market. Making sure everything in your house is up to par is an essential part of the home buying and selling process.
Along other lines, if your house is a bit older and you are considering living there for many years to come, a home examination is not a bad idea. A home check up ensures that your house is safe to live in and that nothing below the surface (or out of eyesight) is having a problem.
Home scrutiny can take time and energy- not to mention finances - but they will help pinpoint any current or potential problems in your house as well as give you steps forward to continue improving your home. Having a home inspection can diagnose any problem areas you might be experiencing in your home but not have an answer for - if you or members of your family are getting sick, a home review could help find the source if it is house-related (like mold in the walls).
Inspection of house can look at your foundation to see if it is shifting or cracking, something you may or may not notice. A thorough inspection can also diagnose the soft spot in your roof, point out a cracked ceiling beam, or recommend a better brand of windows that could prevent drafts and save your family money on heating and cooling costs.
Having a home inspection can put your mind and family at ease as to the state of your home. You can come away from a home inspection with a list of things to fix which may be overwhelming, but is better than letting the problems grow bigger than they may already be. Home inspections are very much about diagnosing potential problems and offering solutions, much like a doctor would for a patient. If nothing else you will have peace of mind knowing that your house is taken care and have an understanding of the state of your property.
So, the long answer ends up being: you might not need a home inspection right this very minute, but you should be aware of potential factors like buying, selling, and the age of your house and be prepared to have your home inspected at a reasonable point in the future.