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# EliteMGA, LLC: EliteMGA offers specialized insurance solutions for home inspectors, including errors and omissions (E&O) and general liability (GL) coverage. Our services are tailored to the needs of home inspectors across all 50 states, with competitive rates and a focus on comprehensive risk management. EliteRE is a specialized insurance carrier created by EliteMGA for home inspectors. With extensive experience since 2007, we offer support, discounts, and group rates for multi-inspector businesses.

## Sitemaps
[XML Sitemap](https://www.elitemga.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Commercial Coverage for Home Inspectors](https://www.elitemga.com/articles/commercial-coverage-for-home-inspectors/): As a home inspector, you know your residential E&O and General Liability (GL) policies inside and out. They protect you from the standard risks of evaluating single-family homes. But what happens when a local business owner asks you to inspect a multi-unit apartment complex, a strip mall, or a light industrial warehouse?
- [Commercial Building Inspection Vs Home Inspection](https://www.elitemga.com/articles/commercial-building-inspections-vs-home-inspections/): To the untrained eye, an inspection is an inspection. You walk the property, look for defects, and write a report. But for professional inspectors and real estate investors, commercial building inspections and home inspections are two entirely different animals.
- [Home Inspector Insurance: E&O, General Liability & Renewal Guide](https://www.elitemga.com/articles/do-home-inspectors-need-both-eo-and-gl-insurance/): When home inspectors start researching insurance, the same questions come up again and again: Do I need both E&O and General Liability, or will one cover everything? And once I have coverage, what do I actually need to know at renewal to make sure I don’t end up with a gap?
- [General Liability vs. Errors & Omissions Insurance for Home Inspectors](https://www.elitemga.com/articles/the-differences-between-general-liability-and-errors-and-omissions-insurance/): Home inspectors face significant liability risks during inspections. Even when an inspection is thorough, a missed defect or accidental damage can lead to costly claims. Regardless of how careful an inspector is, they may still be held accountable if a buyer believes something important was overlooked.
- [Termite Insurance Coverage for Home Inspectors](https://www.elitemga.com/articles/termite-insurance-coverage-for-home-inspectors/): Termites are a worst-case-scenario situation for most homeowners. They can stay well hidden and are difficult to diagnose; by the time they are found, they can already have inflicted devastating damage on a home and its integrity, plus left the inspector with a lawsuit summons and an upset client.
- [Home Inspection Warranty Pricing Strategy: Charge More or Offer an Upgrade?](https://www.elitemga.com/articles/inspectors-elite-warranty-strategy/): As a home inspector, offering added value is key to standing out in a competitive market. A thoughtful home inspection warranty strategy not only enhances buyer confidence but also positions your services as the industry’s gold standard. One of the most effective ways to differentiate your services, and increase revenue, is by including or offering the Elite Inspection Warranty. But a common question among inspectors is: Should you charge for the warranty or bundle it into your inspection fee?
- [How to Handle Home Inspection Claims by Your Clients](https://www.elitemga.com/articles/how-to-handle-home-inspection-claims-by-your-clients/): The most common home inspection claims brought against home inspectors typically fall under either General Liability or Errors & Omissions (E&O) coverage. Home inspector claims generally include one of the following allegations:
- [Retroactive Insurance Explained For Home Inspectors](https://www.elitemga.com/articles/e-o-insurance-for-home-inspectors-explained-retroactive-insurance/): 
- [Risk Management for Home Inspectors](https://www.elitemga.com/articles/basic-risk-management-for-home-inspectors/): Home inspectors play a vital role in real estate transactions by helping buyers and sellers make informed decisions. However, with this responsibility comes significant risk. A small oversight, a miscommunication, or even a client misunderstanding can quickly turn into a claim or lawsuit. That’s why risk management for home inspectors is essential—not just for your business, but also for your peace of mind.
- [Why Should Inspectors Offer An Inspection Warranty?](https://www.elitemga.com/articles/why-offer-an-inspection-warranty/): This blog delves into the world of inspection warranties, specifically focusing on the Elite Inspection Warranty Program. We’ll explore common concerns inspectors have about warranties, unpack the potential benefits of Elite’s inspection warranty program, and ultimately help you decide if offering this service can be a game-changer for your business.
- [Top Claims Against Home Inspectors](https://www.elitemga.com/articles/top-claims-home-inspectors/): Home inspectors face unique liability risks on nearly every job. There are several common liability claims against home inspectors, including:
- [Inspecting a Home Again: What Home Inspectors Should Know](https://www.elitemga.com/articles/inspecting-a-home-again-what-home-inspectors-should-know/): As a seasoned home inspector, you’ve likely encountered situations where you’re asked to re-inspect a home you’ve previously assessed. While seemingly straightforward, these scenarios present unique challenges and liability risks that demand careful navigation. It’s not just about glancing at previous fixes; it’s about understanding the legal, ethical, and practical implications of revisiting a property.
- [Why Home Inspections are Important for Home Buyers](https://www.elitemga.com/articles/why-home-inspections-are-important-for-home-buyers/): Buying a home is one of the most significant investments you’ll ever make. While it’s an exciting journey, it also comes with challenges and uncertainties. Understanding the importance of home inspection is crucial in ensuring your investment is secure. This essential process offers valuable insight, helping you make informed decisions and protect your financial future.
- [How to Grow Your Home Inspector Business: 9 Proven Marketing Tips for Inspectors](https://www.elitemga.com/articles/how-to-grow-your-home-inspector-business/): 
- [Supreme Court of Alabama Sets the Standard for Proving Claims Against Home Inspectors](https://www.elitemga.com/articles/alabama-home-inspector-liability-expert-witness/): Home inspection is a profession, not a service. It requires training, experience, and skill to be a professional inspector. While not every state requires licensing, all home inspections are a professional service performed using a recognizable standard of practice. In some states the standard is a statute or regulation carrying the force of law. In others, it is derived from the inspection agreement or using what would be the most common standards employed by inspectors in that area.
- [Step-by-Step Guide to Taking Home Inspection Pictures](https://www.elitemga.com/articles/home-inspection-pictures/): Claims against home inspectors can and do happen. Therefore it is important to protect yourself with proper home inspection pictures. Taking photos is the most direct way of capturing evidence in response to a claim made against your home inspection work. Additionally, you can use these photos in your inspection report as references to point out findings from your inspection and help buyers and sellers make informed decisions. Taking home inspection photos may sound simple, but there is a lot to consider before you start clicking away.
- [Historic Home Inspection Checklist for Home Inspectors](https://www.elitemga.com/articles/historic-home-inspection-checklist-for-home-inspectors/): Historic home inspections can present a challenge for the inspector for a variety of reasons. Preparation on the inspector’s part can significantly reduce potential issues during the inspection. An excellent resource for the historic home inspector is The Secretary of the Interior’s Standards for the Treatment of Historic Properties with Guidelines for Preserving, Rehabilitating, Restoring and Reconstructing Historic Buildings. Published by the U.S. Department of the Interior, National Park Service. The guidelines outlined in the document are frequently incorporated into local municipalities’ ordinances and regulations. The primary concern of historic home inspection is to ensure that all systems and structural components are safe for occupation.
- [CONTROLLING THE TIME TO SUE: The Supreme Court of Georgia Upholds](https://www.elitemga.com/articles/articles-georgia-supreme-court-upholds-limitation-on-home-inspection-lawsuits/): Enforcement of Contractual Limit on Time to Sue an Inspector.
- [The Power of Bundled Service Packages and Inspection Warranties](https://www.elitemga.com/articles/bundled-services-packages-and-warranties/): Home buyers often face a whirlwind of decisions during the home buying process. As a home inspector, you can simplify this experience and gain a competitive edge by multiple commonly requested services as a bundled package.
- [Boost Your Home Inspection Business with Inspection Warranties](https://www.elitemga.com/articles/boost-your-home-inspection-business-with-inspection-warranties/): According to the National Association of Realtors, 88% of buyers conduct a home inspection during the purchasing process. Home inspections play a crucial role in the home-buying process, helping buyers make informed decisions about the property they are purchasing. Buyers who forego inspections can face unforeseen repair costs that can range from a small issue costing hundreds of dollars to fix or a major problem that could cost tens of thousands of dollars to repair, depending on the severity of the problem.
- [Employment Contracts for Home Inspectors and Independent Contractor Contracts for Inspectors](https://www.elitemga.com/articles/legal-faq-employment-contracts-for-home-inspectors/): This article has been updated for 2024 and all information is current.
- [Understanding the Differences Between a Full Home Warranty and an Inspection Warranty](https://www.elitemga.com/articles/difference-between-home-warranty-and-inspection-warranty/): When it comes to protecting your home and the systems within it, warranties play a crucial role. Two common types are the full home warranty and the inspection warranty. While they may seem similar at first glance, there are several significant differences between them. Understanding the differences between a full home warranty and an inspection warranty can help you make informed decisions about protecting your investment.
- [Spa and Pool Inspection Insurance](https://www.elitemga.com/articles/spa-and-pool-inspection-insurance/): In some areas of the country, pools are a standard feature in homes. Are you considering whether or not to include pool inspections in your list of services? On one hand, you may gain customers and capitalize on lucrative extra business if you perform spa and pool inspections. On the other hand, inspecting pools is specialized and can lead to costly claims against your business. EliteMGA can help you protect your business with Spa and Pool Inspection Insurance on your Errors and Omissions policy, with additional coverage of $100,000. Also, we can point you in the direction of how to become a Certified Pool and Spa Inspector and where to find the tools you need – like a pool and spa inspection checklist – to perform the job properly.
- [Radon Insurance Coverage for Home Inspectors](https://www.elitemga.com/articles/radon-insurance-coverage-for-home-inspectors/): Radon is a naturally occurring, cancer-causing byproduct of the radioactive decay of Uranium in the soil. While you cannot see, smell or taste radon, it may still be a problem in your home. Breathing in radon-contaminated air increases your risk of getting lung cancer. In fact, radon is the leading cause of lung cancer amongst non-smokers in the United States.
- [Mold Coverage Insurance for Home Inspectors](https://www.elitemga.com/articles/mold-coverage-insurance-for-home-inspectors/): Let’s face it, many houses have mold somewhere inside. Where there is water and moisture, there’s usually some sort of mold. On the surface, literally and figuratively, mold is a major deterrent from buying what is an otherwise great home. But not all mold is toxic, however, which is why taking a mold swab or indoor air quality sample (IAQ) is very helpful to your client. But why you should carry mold sampling and IAQ coverage if testing for mold and other allergens/pollutants are conducting by swabbing or air samples? Homebuyers that later find mold present often look for someone to blame and pay for remediation and who better to blame than a home inspector?
- [EIFS Inspection and Stucco Inspection Insurance](https://www.elitemga.com/articles/eifs-inspection-and-stucco-inspection-insurance/): Even Home Inspectors who take great care in their work and who have years of professional experience can be a target of a lawsuit. With materials like EIFS and Stucco where a small crack can turn into a huge mess, it is important to invest in Errors and Omissions (E&O) inspection insurance so that you are not caught off guard by a common issue that is easy to miss. EliteMGA's insurance for home inspectors includes $100,000 coverage for EIFS and Stucco.
- [Green Building Inspections and Insurance Coverage](https://www.elitemga.com/articles/green-building-inspections-and-insurance-coverage/): Green upgrade insurance coverage is additional property insurance coverage available to homeowners to cover the cost of updating a home with green materials or methods in the case of damage or loss. EliteMGA can help you protect your business with Green Building Inspection Insurance on your Errors and Omissions policy, with additional coverage of $100,000.  This type of coverage can give homeowners a discount on their homeowner’s policy and is becoming increasingly popular as more people wish to be environmentally responsible. It also provides additional opportunities for green building inspections, especially since some green upgrades qualify for federal, state, and municipal tax breaks if they meet certain standards.
- [The Future of Home Inspection Industry: What To Know in 2024](https://www.elitemga.com/articles/future-of-home-inspection-industry/): The home inspection industry in the new year will be subjected to several new trends and tools for 2024. As the real estate market grows and gains strength, the demand for home inspections increases as well. To capitalize on this demand, home inspectors like you will need to implement new technology, try green home inspections, stay up-to-date with regulatory changes, and develop specializations. Stay informed on the future of the home inspection industry.
- [Importance Of A Pre-Inspection Agreement For Home Inspectors](https://www.elitemga.com/articles/key-elements-for-pre-inspection-agreements/): Home inspectors are professionally trained to identify issues and risks with a home and may suggest recommendations based on the inspection. A pre-inspection agreement allows you to set the exact terms of your inspection and helps insulate you. EliteMGA requires that you always have a signed pre-inspection agreement before you begin an inspection.
- [How To Start A Home Inspection Business – A Comprehensive Guide](https://www.elitemga.com/articles/how-to-start-home-inspection-business/): The real estate market is predicted to keep growing, and that could be a great opportunity for home inspection businesses. There is no better time than now to start a home inspection business of your own. But before you dive in, you probably have some questions:
- [The Ultimate Home Inspector Checklist & Safety Tools](https://www.elitemga.com/articles/the-ultimate-home-inspector-safety-checklist/): Home inspectors are expected to put themselves into all kinds of dangerous situations when inspecting a home, many of which are unpredictable. Between crawl spaces, attics, rooftops, and the possibility of run-ins with dangerous critters, the home inspecting job by nature is a relatively risky one. However, all too often safety during home inspections is overlooked not only during training but also on the day to day job.
- [Hiring Employees to Build Your Home Inspection Business](https://www.elitemga.com/articles/hiring-employees-to-build-your-home-inspection-business/): On the other hand, independent contracts come with their own qualifications and specialized skills whereas employees tend to need job training. If you have a gap in your service offering, an independent contract might be the best option in the short term to expand and build your home inspection business.
- [Understanding Insurance Limits for Errors and Omissions](https://www.elitemga.com/articles/understanding-insurance-limits-for-errors-and-omissions/): Insurance is a safety net that can relieve some of the stress of everyday life. Although no one wants to imagine or anticipate an emergency occurring, the reality is that you never know when you will find yourself in a tough situation. As a property inspector, there are often unknown factors you have to contend with, so it is important to feel confident. When it comes to covering yourself and protecting your business, errors and omissions insurance for home inspectors can give you peace of mind.  
- [What Information Do You Need to Provide On a Home Inspector Insurance Application?](https://www.elitemga.com/articles/home-inspector-insurance-application/): Completing applications can be frustrating and even intimidating for some as they gather the necessary information for their home inspector insurance applications. We answer all the common questions home inspectors have while signing up for insurance.
- [Crucial Summer Home Inspection Checklist To Avoid Dangers](https://www.elitemga.com/articles/avoiding-summer-home-inspection-dangers/): While winter can pose some specific dangers to a home inspector, summer is the time of year with the most hidden dangers. Here are some of the biggest summer home inspection dangers and ways to avoid them or be prepared for them.
- [A Review of Home Inspector Software](https://www.elitemga.com/articles/a-review-of-home-inspector-software/): Not all home inspection software tools are created equally so it is important to find the one that fits your needs. Some key home inspector software features to look out for are:
- [Which Home Inspection Certification is Best](https://www.elitemga.com/articles/which-home-inspection-certification-is-best/): A certified home inspector is a vital part of the home purchasing process for both the buyer and the seller. They ensure a fair sale by highlighting potential defects in a home which helps alleviate unplanned complications down the road.
- [Home Inspections Still Matter: How to Convince Buyers](https://www.elitemga.com/articles/home-inspections-still-matter-how-to-convince-buyers/): Home inspections used to be a given. Buyers and sellers alike considered it a prerequisite to home sale negotiations. COVID-19 changed the rules, and now some buyers are waiving home inspections to make their offers more attractive to sellers as the demand for homes soars. Here are some tips from EliteMGA - a leading provider of E&O insurance for home inspectors - to show buyers the enormous benefits of getting a home inspection before or after the sale.
- [Things You Need to Know about Vacant Property Inspections?](https://www.elitemga.com/articles/know-about-inspecting-vacant-properties/): For the most part, properties found on the market are sold by owners who are upgrading, downgrading or moving to another area. These buildings have typically served as a primary residence and sellers took care of them accordingly. Every once in a while, vacant structures can also sneak into the market, whether from a deceased relative or a financial downturn resulting in foreclosure. The prospect of inspecting vacant properties is always a possibility, and inspectors should plan accordingly.
- [Chinese Drywall Issues in Home in Southern States](https://www.elitemga.com/articles/chinese-drywall-is-still-an-issue/): At this point, virtually every home inspector has heard of the contaminated Chinese drywall that is causing havoc in homes built during the housing boom between 2004 and 2007. What many may not realize is that this is still an ongoing problem in thousands of homes in Florida, Mississippi, Louisiana, and Alabama. For home inspectors in the Southeast region of the U.S., understanding the scope of the problem and how to handle it in the course of home inspections is vital.

## Pages
- [Articles](https://www.elitemga.com/articles/): Commercial Coverage for Home InspectorsJuly 1, 2026Ancillary Inspection ServicesWhy Residential Insurance Isn’t Enough When You Step Onto a Commercial Property As a home inspector, you know your residential E&O and General Liability (GL) policies inside and out. They protect you from the standard risks of evaluating single-family homes. But what happens when a local business owner asks you to inspect a multi-unit apartment…Read More Commercial Building Inspection Vs Home InspectionJune 30, 2026Home Inspector News, Home Inspector InformationCommercial Building Inspections vs. Home Inspections: What’s the Difference? To the untrained eye, an inspection is an inspection. You walk the property, look for defects, and write a report. But for professional inspectors and real estate investors, commercial building inspections and home inspections are two entirely different animals. Whether you are a residential home inspector…Read More Home Inspector Insurance: E&O, General Liability & Renewal GuideApril 23, 2026Home Inspector NewsWhen home inspectors start researching insurance, the same questions come up again and again: Do I need both E&O and General Liability, or will one cover everything? And once I have coverage, what do I actually need to know at renewal to make sure I don’t end up with a gap? Both questions matter, and…Read More General Liability vs. Errors & Omissions Insurance for Home InspectorsMarch 20, 2026Home Inspector Insurance RequirementsHome inspectors face significant liability risks during inspections. Even when an inspection is thorough, a missed defect or accidental damage can lead to costly claims. Regardless of how careful an inspector is, they may still be held accountable if a buyer believes something important was overlooked. Two of the most important insurance policies for inspectors…Read More Termite Insurance Coverage for Home InspectorsFebruary 19, 2026Ancillary Inspection ServicesTermites are a worst-case-scenario situation for most homeowners. They can stay well hidden and are difficult to diagnose; by the time they are found, they can already have inflicted devastating damage on a home and its integrity, plus left the inspector with a lawsuit summons and an upset client. Importance of Termite Damage Insurance Coverage…Read More Home Inspection Warranty Pricing Strategy: Charge More or Offer an Upgrade?February 18, 2026Inspection WarrantyAs a home inspector, offering added value is key to standing out in a competitive market. A thoughtful home inspection warranty strategy not only enhances buyer confidence but also positions your services as the industry’s gold standard. One of the most effective ways to differentiate your services, and increase revenue, is by including or offering…Read More How to Handle Home Inspection Claims by Your ClientsJanuary 21, 2026Home Inspector NewsHome inspection claims can happen even to the most careful inspectors. Understanding how to respond quickly—and knowing how your insurance coverage protects you—can make the difference between a resolved complaint and a costly claim. At EliteMGA, we believe claims prevention is just as important as claims management. That’s why EliteMGA, Inspector Claim Management (ICM), and…Read More Retroactive Insurance Explained For Home InspectorsJanuary 21, 2026Home Inspector Insurance Requirements All professionals are open to insurance claims, especially home inspectors. Ensuring your business is properly protected with Errors & Omissions (E&O) insurance is essential. Some claims may not be reported until months—or even years—after an inspection, which means home inspectors often need more than just an active policy. This is where retroactive insurance coverage…Read More Risk Management for Home InspectorsSeptember 23, 2025Home Inspector Information, Home Inspector Insurance Requirements Home inspectors play a vital role in real estate transactions by helping buyers and sellers make informed decisions. However, with this responsibility comes significant risk. A small oversight, a miscommunication, or even a client misunderstanding can quickly turn into a claim or lawsuit. That’s why risk management for home inspectors is essential—not just for…Read More Why Should Inspectors Offer An Inspection Warranty?September 5, 2025Inspection WarrantyThe home-buying process is a whirlwind of emotions and anxieties. For the buyer, the biggest concern often lies in the unseen: what potential problems lurk beneath the surface of their dream home? Home inspectors, like you, are the heroes in this scenario, wielding their expertise to uncover hidden issues and guide buyers toward informed decisions.…Read More Top Claims Against Home InspectorsSeptember 4, 2025Home Inspector NewsHome inspectors face unique liability risks on nearly every job. There are several common liability claims against home inspectors, including: Roofing Damage Mold Problematic Plumbing Defects in the Foundation Water Damage Power issues HVAC Failure Termite Damage Flashing Failure These mistakes can lead to costly lawsuits, unhappy clients, and damage to your professional reputation. In…Read More Inspecting a Home Again: What Home Inspectors Should KnowJune 30, 2025Home Inspector InformationAs a seasoned home inspector, you’ve likely encountered situations where you’re asked to re-inspect a home you’ve previously assessed. While seemingly straightforward, these scenarios present unique challenges and liability risks that demand careful navigation. It’s not just about glancing at previous fixes; it’s about understanding the legal, ethical, and practical implications of revisiting a property.…Read More Why Home Inspections are Important for Home BuyersJune 18, 2025Home Inspector InformationBuying a home is one of the most significant investments you’ll ever make. While it’s an exciting journey, it also comes with challenges and uncertainties. Understanding the importance of home inspection is crucial in ensuring your investment is secure. This essential process offers valuable insight, helping you make informed decisions and protect your financial future.…Read More How to Grow Your Home Inspector Business: 9 Proven Marketing Tips for InspectorsApril 18, 2025Home Inspector Information Congratulations—you’ve launched your home inspection company and taken the first step toward a profitable career. Now it’s time to grow your business, attract clients, and protect yourself with the right insurance. As EliteMGA, we specialize in insurance designed by inspectors for inspectors. With our in-house carrier, EliteRE, inspection warranties, and expert team, we help…Read More Supreme Court of Alabama Sets the Standard for Proving Claims Against Home InspectorsFebruary 27, 2025Home Inspector InformationThe Professional Nature of Home Inspections Home inspection is a profession, not a service. It requires training, experience, and skill to be a professional inspector. While not every state requires licensing, all home inspections are a professional service performed using a recognizable standard of practice. In some states the standard is a statute or regulation…Read More 1
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- [AI Application](https://www.elitemga.com/ai-application/): 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Exclusive Insurance coverage for AI
- [Elite Warranty Program](https://www.elitemga.com/home-inspection-warranty/): Having your inspection guaranteed with an Elite Home Inspection Warranty gives you a leg-up on all your competition. We can help you promote this advantage to your customers
- [Introducing the HomeGauge Inspector Insurance Program](https://www.elitemga.com/introducing-the-homegauge-inspector-insurance-program/): HomeGauge is proud to partner with Elite MGA the leading provider of comprehensive insurance solutions for home inspectors at discounted rates exclusively available for HomeGauge Members.
- [HomeGauge – Contact](https://www.elitemga.com/homegauge-contact/): Kathleen Kuhn
kkuhn@elitemga.com
1-866-680-1270
- [Why Elite MGA?](https://www.elitemga.com/why-elite-mga/): When it comes to home inspection insurance, expertise, flexibility, and service are crucial. Elite MGA, backed by its own insurance carrier, EliteRE, offers unique advantages:
- [Coverage Review](https://www.elitemga.com/coverage-review/): While competitive pricing is important, having the right coverage is essential. The discounts HomeGauge has negotiated ensure you receive excellent value, but it’s the comprehensive coverage from Elite MGA that truly sets this program apart.
- [FAQs](https://www.elitemga.com/faqs/): Q. Does your insurance quote include General Liability Insurance?
- [Trade Show/Conference – Collect Contact Info](https://www.elitemga.com/conference-contacts/): Trade Show/Conference – Collect Contact Info
- [Apply For Coverage (InterNACHI Application)](https://www.elitemga.com/quotes/internachi-application/)
- [AHIT Home Inspector Insurance](https://www.elitemga.com/ahit-home-inspector-insurance/): In today’s world, even the best trained inspectors need insurance to protect themselves, and their clients, from liability resulting from a home inspection. Recommended insurance coverages include Errors & Omissions (E&O) that protects inspectors from negligence claims while General Liability insurance offers protection from bodily injury and/or property damage caused by an inspector during or as a result of a home inspection. If ancillary services are offered with a home inspection (radon, termite, mold, sewer scopes, IAQ, etc.), it’s wise to be insured for those as well.
- [Lead Paint Home Inspection Insurance](https://www.elitemga.com/lead-paint-home-inspection-insurance/): The government banned the usage of lead paint in 1978. However, before then, lead paint was commonly used in homes. 87% of homes built before 1940 and 24% of homes built between 1960 and 1978 have some lead-based paint, according to the EPA. Lead paint, when inhaled or consumed in dust or chips, can cause a range of ailments, especially in children under six. Becoming a certified lead paint inspector or risk assessor provides a valuable service to homeowners. Protecting your business with lead paint home inspection insurance is crucial.
- [Septic & Water Testing Insurance](https://www.elitemga.com/septic-water-testing-insurance/): Over 20 million homes in the United States utilize septic tanks when they are unable to connect to a traditional public sewer system, and that number continues to grow as more people move outside of major metropolitan areas. With such widespread use of septic tanks, it is extremely possible that some septic tanks are improperly installed. A malfunctioning septic tank can become a ticking time bomb for owners, especially considering how difficult to access some of these systems can be. As home inspectors, it is important to cover yourself with additional septic and water testing insurance as part of your Errors and Omissions (E&O) Insurance coverage in case of faulty septic or water lines.
- [Rodent Inspection Insurance](https://www.elitemga.com/rodent-inspection-insurance/): A thorough rodent inspection is not typically covered in the traditional home inspection services because the home inspector will need to move materials in an intrusive way to inspect for rodents or rodent damage. Adding this skillset to your list of highly-qualified services is a profitable investment for your business and allows you to warn your clients before making an investment mistake. With the proper training and certification, you’ll be able to identify damages caused by rodents, a current rodent infestation or how the current situation could become a rodent recipe for disaster. There are many benefits to adding rodent inspections to your home inspection service.
- [Home Inspector Insurance Requirements in Washington, DC](https://www.elitemga.com/state/dc-home-inspector-insurance-requirements/): Washington, DC has no requirements for home inspectors to carry errors and omissions or general liability insurance. However, it is still a good idea to purchase home inspector insurance in DC. Many real estate agents and home sellers and buyers will require you to show proof of insurance before hiring your services or allowing you onto their property. It is common practice for home inspectors in DC to carry both errors and omissions and general liability insurance coverage.
- [Louisiana Home Inspection E&O Insurance Requirements](https://www.elitemga.com/state/louisiana-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Louisiana, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents work with you to understand your business risks and provide the most effective coverage. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Louisiana is essential.
- [Liability Insurance for Home Inspectors – E&O And GL Insurance](https://www.elitemga.com/home-inspector-liability-insurance/): General liability insurance protects home inspectors from claims related to property damage and personal injury to their customers or a third party. General Liability insurance is sometimes required by the state or to enter a property. EliteMGA’s general liability insurance for home inspectors is designed to cover residential and commercial inspectors, radon, mold, termite inspectors, green/energy auditors, and infrared thermographers. Our general liability insurance includes products and operations, medical payments, rented property or premises, and much more.
- [Make a Payment](https://www.elitemga.com/make-a-payment/): Please select your insurance carrier:
- [EliteRE](https://www.elitemga.com/elite-re/): EliteRE is a first-of-its-kind captive insurance carrier created by EliteMGA specifically for home inspectors. Never before has a captive carrier been built exclusively for the home inspection profession. The name says it all: Elite, the brand home inspectors have trusted for years, and RE, standing for Reinsurance. A captive insurance carrier like EliteRE works by pooling similar risks together, such as Home Inspector Errors & Omissions (E&O) – creating a carrier designed entirely around you and your profession.
- [Wyoming Home Inspector Insurance Requirements](https://www.elitemga.com/state/wyoming-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Wyoming, there’s no better option than EliteMGA. Our clients are our highest priority.  With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in WY is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [Wisconsin Home Inspector Insurance Requirements](https://www.elitemga.com/state/wisconsin-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Wisconsin, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in WI is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [West Virginia Home Inspector Insurance Requirements](https://www.elitemga.com/state/west-virginia-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in West Virginia, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in West Virginia is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [Washington Home Inspection Insurance Requirements](https://www.elitemga.com/state/washington-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Washington, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures. We will guide you in making an informed decision to best protect your business and we are familiar with the WSDA requirements. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance coverage in Washington (WA) is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [Vermont Home Inspector Insurance Requirements](https://www.elitemga.com/state/vermont-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Vermont, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Vermont is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [Utah Home Inspector Insurance Requirements](https://www.elitemga.com/state/utah-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Utah, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in UT is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [Tennessee Home Inspection E&O Insurance Requirements](https://www.elitemga.com/state/tennessee-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Tennessee, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Tennessee (TN) is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [South Dakota Home Inspector Insurance Requirements](https://www.elitemga.com/state/south-dakota-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in South Dakota, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in HI is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [South Carolina Home Inspector Insurance Requirements](https://www.elitemga.com/state/south-carolina-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in South Carolina, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in South Carolina is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [Oregon Home Inspection E&O Insurance Requirements](https://www.elitemga.com/state/oregon-home-inspector-insurance-requirements/): When it comes to quality general liability & E&O insurance for home inspectors in Oregon, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures. We will guide you in making an informed decision to best protect your business and we are familiar with the CCB’s requirements. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for professional liability insurance in Oregon (OR) is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance coverage will be combined into one cost-efficient and effective policy.
- [Oklahoma Home Inspection E&O Insurance Requirements](https://www.elitemga.com/state/oklahoma-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Oklahoma, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Oklahoma (OK) is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [North Dakota Home Inspector Insurance Requirements](https://www.elitemga.com/state/north-dakota-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in North Dakota, there’s no better option than EliteMGA. Our clients are our highest priority.  With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in North Dakota is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [New Mexico Home Inspector Insurance Requirements](https://www.elitemga.com/state/new-mexico-home-inspector-insurance-requirements/): EliteMGA provides top-tier Errors & Omissions (E&O) and General Liability (GL) insurance for home inspectors in New Mexico. Our experienced agents will help you identify and mitigate risks while offering a combined, cost-effective policy tailored to your business needs.
- [New Hampshire Home Inspector Insurance Requirements](https://www.elitemga.com/state/new-hampshire-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in New Hampshire, EliteMGA is your top choice. With over 30 years of combined experience, our knowledgeable and friendly insurance agents will help you understand your business’s risks and determine the best coverage to protect your assets.
- [Nevada Home Inspector Insurance Requirements](https://www.elitemga.com/state/nevada-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Nevada, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will help you understand your business risks and provide the right coverage. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Nevada is clear. At EliteMGA, your Errors & Omissions (E&O) and General Liability (GL) insurance can be combined into a single, cost-efficient, and effective policy.
- [Nebraska Home Inspector Insurance Requirements](https://www.elitemga.com/state/nebraska-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Nebraska, EliteMGA is your top choice. Our clients are our highest priority. With over 30 years of combined experience, our knowledgeable and friendly insurance agents will help you understand your business risks and provide the best coverage. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Nebraska (NE) is essential.
- [Montana Home Inspector Insurance Requirements](https://www.elitemga.com/state/montana-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Montana, EliteMGA is your top choice. Our clients are our highest priority. With over 30 years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business risks and provide the best coverage. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Montana (MT) is essential.
- [Missouri Home Inspector Insurance Requirements](https://www.elitemga.com/state/missouri-home-inspector-insurance-requirements/): When it comes to liability insurance for home inspectors in Missouri, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  We will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Missouri is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [Mississippi Home Inspection E&O Insurance Requirements](https://www.elitemga.com/state/mississippi-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Mississippi, EliteMGA is your best choice. Our clients are our top priority, and our knowledgeable insurance agents work with you to understand your business risks and provide coverage that fits your needs. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, having comprehensive liability insurance in Mississippi (MS) is essential. At EliteMGA, your Errors & Omissions (E&O) and General Liability (GL) insurance can be combined into one cost-efficient and effective policy.
- [Minnesota Home Inspector Insurance Requirements](https://www.elitemga.com/state/minnesota-home-inspector-insurance-requirements/): When it comes to quality insurance for home inspectors in Minnesota, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  With the litigious nature prominent today, we will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Minnesota is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.
- [Michigan Home Inspector Insurance Requirements](https://www.elitemga.com/state/michigan-home-inspector-insurance-requirements/): When it comes to insurance for home inspectors in Michigan, there’s no better option than EliteMGA. Our clients are our highest priority. With over 30+ years of combined experience, our knowledgeable and friendly insurance agents will work with you to understand your business’ risks and the best way to cover those exposures.  With the litigious nature prominent today, we will guide you in making an informed decision to best protect your business. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, the need for superior liability insurance in Michigan is inevitable. At EliteMGA, your home inspector Errors and Omissions and General Liability insurance will be combined into one cost-efficient and effective policy.