Understanding your state’s requirements for liability insurance for home inspectors is crucial for protecting your business and meeting licensing regulations. We outline what type of insurance home inspectors are required to carry in each state, including errors and omissions (E&O) coverage. Use the interactive map below to check your state’s insurance requirements and get a personalized quote from EliteMGA today.
Liability Insurance and E&O Coverage by State for Home Inspectors
State Insurance Key
State-by-State Requirements for Insurance for Home Inspectors
Click on your state to learn more about the insurance requirements for home inspectors. While some states require only general liability, many also mandate errors and omissions insurance for home inspectors. Regardless of the legal requirements, maintaining proper insurance coverage helps protect your reputation and financial future.
Select Your State Below
The state of Alabama requires home inspectors to obtain a minimum of $250,000 of errors and omission coverage.
As a licensed home inspector in Alaska, you are required to carry no less than $20,000 in general liability insurance.
As a licensed home inspector in Arizona, you are required to carry no less than $100,000 in errors and omissions insurance per occurrence and $200,000 in aggregate.
As a licensed home inspector in Arkansas, you are required to carry no less than $100,000 in general liability insurance.
California currently does not have any insurance requirements for home inspectors.
Colorado currently does not have any insurance requirements for home inspectors.
Connecticut currently does not have any insurance requirements for home inspectors.
As a licensed home inspector in Delaware, you are required to carry no less than $50,000 in Errors and Omissions insurance, and no less than $250,000 General Liability insurance.
District of Columbia currently does not have any insurance requirements for home inspectors.
In Florida, to apply for a home inspection license, you are required to submit proof of general liability insurance coverage of no less than $300,000.
Georgia currently does not have any insurance requirements for home inspectors.
Hawaii currently does not have any insurance requirements for home inspectors.
Idaho currently does not have any insurance requirements for home inspectors.
As a licensed home inspector in Illinois, you are required to carry no less than $100,000 in General Liability insurance.
As a home inspector in Indiana, you are required to carry a minimum of $100,000 in General Liability Insurance and $300,000 for Termite Services (Wood Destroying Pest Inspection).
Iowa currently does not have any insurance requirements for home inspectors.
As a licensed home inspector in Kansas, you are required to carry no less than $10,000 in errors and omissions insurance and no less than $100,000 in general liability insurance.
As a licensed home inspector in Kentucky, you are required to carry no less than $250,000 in general liability insurance.
As a licensed home inspector in Louisiana, you are required to carry no less than $300,000 in Errors and Omissions and General Liability insurance with a deductible no greater than $5000.
Maine currently does not have any insurance requirements for home inspectors.
In obtaining a home inspection license in Maryland, you are required to obtain a minimum of $150,000 in General Liability Insurance.
As a home inspector in Massachusetts, you are required to carry a minimum of $250,000 in Errors and Omissions Insurance.
Michigan currently does not have any insurance requirements for home inspectors.
Minnesota currently does not have any insurance requirements for home inspectors.
In order to apply for a home inspection license in Mississippi, you are required to submit proof of no less than $250,000 in errors and omissions insurance per occurrence and $250,000 in general liability coverage per occurrence.
Missouri currently does not have any insurance requirements for home inspectors.
As a licensed home inspector in Montana, you are required to carry no less than $100,000 of general liability insurance and errors and omission insurance.
As a home inspector in Nebraska, you are required to carry a minimum of $250,000 in General Liability Insurance.
In order to apply for a home inspection license in Nevada, you are required to submit proof of insurance of no less than $100,000 for both errors and omissions and general liability.
Even though New Hampshire doesn’t mandate a specific amount of coverage, having general liability insurance is required for home inspectors. It safeguards your business and financial well-being from potential lawsuits that could arise from incidents during inspections.
As a home inspector in New Jersey, you are required to carry a minimum of $500,000 in Errors and Omissions Insurance.
As a licensed home inspector in New Mexico, you are required to carry no less than $250,000 in both Errors and Omissions and General Liability insurance.
New York home inspectors are required to obtain a minimum of $150,000 Per Occurrence with a $500,000 Aggregate.
As a licensed home inspector in North Carolina, you are required to carry no less than $250,000 in general liability insurance, as well as one of three other options- one of which is $250,000 in errors and omissions insurance.
In order to apply for your home inspection license in North Dakota, you are required to submit proof of insurance of no less than $100,000 in errors and omissions insurance.
As a licensed home inspector in Ohio, you are required to carry general liability insurance of no less than $100,000 Per Occurrence with a $300,000 Aggregate. You are not required to carry Errors and Omissions unless you perform termite/wood destroying insect inspections. If these inspections are performed, $100k of E&O coverage is required with the Ohio Department of Agriculture listed as a certificate holder.
As a licensed home inspector in Oklahoma, you are required to carry no less than $50,000 of general liability insurance.
As a licensed home inspector in Oregon, you are required to become either an employee or an owner of a CBB licensed business. Each business must carry either a $300,000 or $500,000 liability insurance policy.
As a licensed home inspector in Pennsylvania, you are required to carry errors and omissions insurance of no less than $100,000 Per Occurrence with a $500,000 Aggregate with a maximum deductible of $2,500.
As a licensed home inspector in Rhode Island, you are required to carry no less than $500,000 of general liability and Errors & Omissions insurance.
South Carolina currently does not have any insurance requirements for home inspectors.
South Dakota currently does not have any insurance requirements for home inspectors.
Home inspectors in Tennessee are required to maintain a minimum of $500K of general liability insurance. In addition, proof of E&O insurance is required in any amount.
As a licensed home inspector in Texas, you are required to carry no less than $100,000 of errors and omissions insurance.
Utah currently does not have any insurance requirements for home inspectors.
Vermont currently does not have any insurance requirements for home inspectors.
In order to apply for a home inspection license in Virginia, you are required to submit proof of general liability insurance coverage of no less than $250,000.
Washington currently does not have any insurance requirements for home inspectors.
In order to apply for a home inspection license in West Virginia, you are required to submit proof of general liability insurance coverage of no less than $250,000.
Wisconsin currently does not have any insurance requirements for home inspectors.
Wyoming currently does not have any insurance requirements for home inspectors.
Why Liability Insurance for Home Inspectors Is Essential, No Matter The State
Even if your state doesn’t require it, carrying liability insurance for home inspectors is a smart investment. It safeguards you against third-party claims related to property damage or bodily injury that may occur during an inspection. EliteMGA provides tailored insurance solutions specifically for home inspectors to ensure you’re fully protected.
Errors and Omissions Insurance for Home Inspectors
E&O insurance for home inspectors protects against claims related to professional mistakes, oversights, or alleged negligence—even if you did nothing wrong. As a home inspector, even a small error can lead to large financial claims. E&O coverage provides peace of mind and shows clients that you operate professionally and responsibly.
Why Choose EliteMGA for E&O Insurance for Home Inspectors?
- Specialized coverage for home inspectors in all 50 states
- Easy online quotes and fast coverage issuance
- Referring Party Coverage at no extra cost
- Competitive rates and superior customer support
More coverage = more credibility = more inspections