State by State Insurance Requirements for Home Inspectors

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Home Inspector Insurance Requirements by State

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.

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.

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.

Nebraska currently does not have any insurance requirements for home inspectors.

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.

New Hampshire currently does not have any insurance requirements for home inspectors.

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 $100,000 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 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.