Home Inspector Insurance: Cost, Liability & Quotes From $11

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Updated: March 27, 2025 . 8 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

Home inspectors like you help buyers and ensure that their future house doesn’t have costly problems. In your line of work, lawsuits, workplace injuries, business property damage, and other unfortunate events can happen.

 Because of this, consider getting home inspector insurance. This grants the protection you need against the devastating risks you face when and after becoming a home and building inspector

This article features the various policies, the cost of premiums, and the best  companies offering the insurance coverage.

 General Liability Insurance for Home Inspectors

Home inspector liability insurance grants protection against bodily injuries or property damage that clients, independent contractors, and other third parties file against you. The table above compares the quotes of the recommended insurance companies. 

General liability for home inspectors is very comprehensive. Aside from bodily injuries or property damage, this home inspection business insurance will also protect you from these exposures:

  • Copyright infringement, slander, and libel claims
  • Damage to the landlord’s property
  • Accidents caused by a rented/hired commercial vehicle
CoverWallet  NEXT (Best) Thimble  Hiscox
Per occurrence limit  $1,000,000 $500,000/$1,000,000 $1,000,000/$2,000,000 $1,000,000
Aggregate limit  $2,000,000 $500,000/$2,000,000 $1,000,000/$2,000,000 $2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $1,000,000 $100,000 $100,000 $100,000
Waiver of subrogation included? Yes No Excluded Excluded
Hired/non-owned auto liability coverage included? Yes No $2,500-$5,000 Excluded
Equipment breakdown floater included? No  No Excluded Excluded
Can you get a certificate of insurance online? Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes
Deductible $0 $0 $0-$2,500 $0

 

Errors and Omissions Insurance for Home Inspectors

You need professional liability insurance for home inspectors, which is also called errors and omissions insurance. The table above compares the quotes of the recommended insurance companies. E&O insurance for home inspectors grants a shield if clients file a claim because you didn’t accomplish your work properly. 

E and O insurance for home inspectors is underwritten as an occurrence policy or as a claims-made policy. The best E&O insurance for home inspectors is occurrence-based because it can provide coverage even if its policy period has expired. 

Insurance companies allow you to get home inspector professional liability insurance as a stand-alone policy or as an add-on to general liability insurance. 

CoverWallet (Best) NEXT Hiscox
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $2,000,000
Name additional insureds? Yes Yes Yes
Waiver of subrogation included? Yes No No
Deductible  $0 $0 $500

 

 

Commercial Property Insurance

CoverWallet NEXT (Best) Thimble Hiscox
Building coverage limit (minimum) $50,000 $430,000 $25,000/$500,000 $10,000/$100,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000-$500,000 $10,000/100,000
Outdoor signs Excluded $2,500 Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/$10,000 Included
Money and securities Excluded $2,500 $1,000 Included
Lock and keys  Excluded $1,000 Excluded Excluded
Business interruption floater Excluded Included Included Included
Equipment breakdown floater Excluded Included Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included
Deductible $500-$1,000 $500 $500-$2,500 $500-$10,000

 

Commercial property insurance reimburses your losses if something happens to the office and its furniture, computer, HVAC, and other contents. 

 This property inspector insurance policy applies if damage or loss happens because of:

  • Fire
  • Theft
  • Vandalism
  • Civil commotion
  • Riot
  • Volcanic action
  • Lightning
  • Sinkhole collapse
  • Vehicle
  • Aircraft
  • Winds
  • Snow
  • Hail

Commercial property insurance doesn’t grant protection against earthquakes, floods, and mudslides. You need to purchase endorsements from your real estate inspection insurance to cover these perils. 

Compare Cheap Home Inspector Insurance Quotes Online

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Business Owner’s Policy

Residential inspection insurance programs of most carriers allow you to get a business owner’s policy. 

A business owner’s policy is a type of insurance that combines general liability and commercial property insurance. You can also get cyber liability, business interruption, equipment breakdown, and other business insurance from this. 

As a home inspector, it’s smart to get a business owner’s policy instead of buying general liability and commercial property insurance individually. 

This is because you’ll get cheaper rates and enjoy easier policy management. 

 

Workers Compensation Insurance

Workers’ compensation insurance is useful if you’re running a home inspection agency. Get this as soon as you have one or more employees. 

Workers’ compensation insurance provides the money you can use to cover these costs when an employee sustains a work-related injury or disease:

  • Medical treatment
  • Hospitalization
  • Medication
  • Rehabilitation and retraining
  • Lost wages
  • Funeral expenses and allowance to dependents in case of death

 

Employer’s Liability Insurance 

Home inspector’s worker’s compensation insurance might come with an employer’s liability insurance.  Employer’s liability insurance grants protection if an employee files a claim for negligence against you after sustaining a work-related injury or disease. 

This provides $100,000-$5 million worth of coverage that you can use to cover the following expenses:

  • Compensation for pain, suffering, and medical treatment
  • Defense costs
  • Settlements

Commercial Auto Insurance

Residential building inspector insurance programs offer commercial auto insurance if you use an owned vehicle for work. 

Commercial auto insurance grants protection if something happens while you or an employee is on the way to inspect a house, meet a client, or get supplies and pieces of equipment. 

The functions of commercial auto insurance are as follows:

  • Cover the medical treatment or property damage of third parties who got involved in an auto accident you or an employee caused
  • Pay for parts repair or replacement expenses if your commercial vehicle got damaged because of a collision, fire, theft, vandalism, and other covered perils
  • Reimburse vehicle rental expenses
  • Pay for the medical treatment of the driver and passengers if your commercial vehicle got involved in an accident caused by an uninsured/underinsured driver

Home Inspector Insurance Cost 

The average cost of a $1 million general liability insurance for home inspectors is $47 per month or $564 per year. This home inspector liability insurance cost estimate assumes that you have 5 employees and make $500,000-$750,000 per year. 

There are many factors that affect the overall home inspector insurance cost.  For one, each kind of coverage has its own rates. The table below outlines the cost of each policy you need to purchase as a home inspector:

Cost per Month Cost per Year Percentage Of Customers That Get This
General liability insurance $47 $564 95%
Errors and omissions insurance $51 $612 70%
Workers compensation insurance $72 $864 92%
Commercial property insurance $53 $636 70%
Business owner’s policy $49 $588 75%

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Best Home Inspector Insurance Companies

 

Next 

A great option for cheap home inspector insurance rates is NEXT. With this company, you can save up to 10% by bundling general liability insurance with commercial property insurance and other business insurance policies. 

NEXT offers home inspector errors and omissions insurance as part of its general liability insurance.

Average cost: $25 per month 

Our rating: 10/10

Pros

  • Best overall
  • Get an online proof of insurance and send as a text message, email, or social media post
  • Fastest general liability insurance for home inspectors
  • Great customer service and reputation
  • Issues an online proof of insurance instantly
  • Outstanding value for money
  • Bundle two or more insurance policies and get a 10% discount

Cons

  • Couldn’t find any

 

CoverWallet

CoverWallet can help you get insured fast. Use CoverWallet’s online quote comparison tool, indicate your location, profession, and policy needed, and receive the offers of different carriers within minutes.

You can also get insured immediately. Proceed to buy a quote and enjoy perks – online certificate of insurance which is very useful for home inspection licensing and filing. 

Average cost: $30.58 per month 

Our rating: 10/10

Pros

  • Online policy management and payment
  • Get insured with or without the help of an insurance agent
  • Compare home inspector insurance quotes online
  • Cancel a policy anytime

Cons

  • Not an insurance company but a broker selling the quotes of its partners

 

Compare Cheap Home Inspector Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Tivly® 

Consider Tivly® if NEXT or CoverWallet can’t provide coverage. Policies you can get from this company are general liability insurance, workers compensation insurance, professional liability insurance, and more. 

A representative will help you choose coverage options and discuss the details of your policy. 

Average cost: $33 per month

Our rating: 10/10

Pros

  • Responsive customer service
  • Call and compare quotes over the phone
  • A partner of many reputable insurance companies

Cons

  • You need to call to get a quote

 

Thimble 

Thimble’s home inspector insurance offers a business owner’s policy and workers’ compensation insurance. 

You can get short-term general liability insurance from Thimble. This grants coverage for hours, days, weeks, or months and has $1 million-$2 million per occurrence and aggregate limit. 

Average cost: $35 per month

Our rating: 9/10

Pros

  • Sells short-term general liability insurance for home inspectors
  • Quick to issue quotes
  • Choose limits and deductibles

Cons

  • You can’t reach customer service by calling

 

Hiscox 

Hiscox provides coverage through its building inspector insurance program, which consists of general liability, professional liability, business owner’s policy, and cyber liability insurance. Similar to Thimble, Hiscox allows you to choose between policy limits and deductibles. 

Average cost: $37 per month

Our rating: 9/10

Pros

  • 14-day money-back guarantee
  • Automatic policy renewal
  • Fast to process claims
  • Worldwide coverage

Cons

  • Poor customer reviews

 

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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