When it comes to quality insurance for home inspectors in Iowa, there’s no better option than EliteMGA. Our clients are our highest priority, and our knowledgeable insurance agents will work with you to understand your business’s risks and ensure you have the best combined General Liability and Errors & Omissions (E&O) insurance policy on the market. Whether you’re a home inspector, mold sampler, energy auditor, or mortgage field service professional, professional liability insurance in Iowa is essential.
Iowa Home Inspector Insurance Requirements
Home Inspectors Insurance Minimums in Iowa
Iowa law (SF460, effective July 1, 2025) requires home inspectors to maintain:
- Errors & Omissions Insurance: Minimum of $100,000 per occurrence, $500,000 aggregate, deductible no more than $2,500
- General Liability Insurance: Minimum of $100,000 per occurrence, $500,000 aggregate, deductible no more than $2,500
Even though some states don’t mandate insurance, carrying the proper coverage protects your assets, business, and reputation. Many local and national real estate boards and inspector associations also require specific coverage standards for membership.
Why Do I Need General Liability Insurance in the State of Iowa?
Protecting your business with the right insurance is a smart, proactive choice. E&O insurance shields you from potential liabilities caused by alleged errors or omissions during inspections. General Liability protects your business from property damage or bodily injury claims. Operating without proper coverage could leave you exposed to lawsuits, reputational damage, and financial burdens.
Why Should I Choose EliteMGA for Iowa Home Inspector Insurance?
At EliteMGA, we are dedicated to providing you with the best E&O insurance on the market as well as other important insurance coverages. Our specialized, experienced staff will work with you to understand your business and individual needs in order to construct the best possible insurance policy. Regardless if you’re a sole proprietor or a multi-inspector firm, we will work with you to tailor our policy to fit your needs. In addition to E&O and GL insurance policies, we also offer coverage for radon, lead paint, termite/WDI/WDO, pool & spa, septic/water testing, indoor air quality testing, EIFS/stucco, infrared thermography, mold sampling, rodent inspections, green building inspections, and much more.
Iowa home inspectors face potential liabilities every time they conduct an inspection. By maintaining General Liability and Errors & Omissions insurance that meets or exceeds SF460 requirements, you protect your business, your reputation, and your financial future. EliteMGA helps Iowa inspectors secure the right coverage so you can focus on delivering high-quality inspections with confidence.
With EliteMGA, there are never any hidden fees, taxes, or financing costs. You can trust that our 30+ years of combined experience will help you get the E&O insurance you deserve in the quickest amount of time possible.