State by State Insurance Requirements for Home Inspectors

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Home Inspector Insurance Requirements by State

Home inspector insurance requirements depend on the state where the inspector works. You can use the interactive map to see what your state’s current insurance requirements are. Many states require both general liability insurance and E&O insurance for home inspectors. Keep in mind that meeting state requirements is mandatory, however, you are certainly able to purchase more than the minimum coverage to better protect yourself.

Click on your state to learn more about what types of insurance home inspectors are required to carry in your state. Click here to get a quote.

Select Your State Below

Why Home Inspectors Should Get E&O Insurance No Matter Their State

  • Having E&O Insurance Builds Credibility and Can Get You More/Better Inspections.  Take advantage of expanding existing home sales in your area by presenting your company as a qualified home inspection company that is insured against mistakes, and homebuyers will pay attention and choose your services over others without this protection and credibility. 
  • Be Ready if Something Goes Wrong and a Client Sues for Errors and Omissions.  You may be very busy performing multiple inspections a week or even a day, and while you are careful, mistakes can happen. Don’t let an accident or omission cost you thousands of dollars. Protect yourself from E&O liability with smart insurance coverage. 
  • Don’t Purchase Per-Inspection Insurance Because it’s Cheap.  Instead, make sure you are covered with full E&O insurance coverage for all the items you are inspecting. Get the coverage you need so you can sleep at night. 
  • Half the States in the US Require Home Inspector Insurance.  Even if your state doesn’t require insurance, it is a smart thing to purchase.  Make sure you are covered.
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