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

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Every job has its risks, and that's why most businesses and service professionals buy insurance. Home inspection is no exception.

While a home inspector may plan to do everything possible to ensure that property inspections run smoothly, things go south sometimes. Third-party injuries and damages to a client's property are mishaps that inspectors contend with. Purchasing home inspector insurance protects you from the financial burden of paying medical bills or repairing a homeowner's property.

Home inspection insurance is no longer a business need. It's imperative because, without insurance coverage, you'll have to pay for repairs, replacements, or medical bills personally. And doing so will strain your personal funds.

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Home Inspector Liability Insurance

Home inspection insurance is a type of business insurance designed to satisfy the needs of a home inspector; it covers risks associated with home inspections. For instance, if a home buyer files a lawsuit against you because you failed to pick up a major flaw in the house, your home inspection business insurance can cover any expenses related to the legal process. 


As a home inspector, the last thing you'd want is to dent your savings to defend yourself against an insurance claim. It would be best to ensure that your property inspection insurance covers the common home inspection claims. That's why home inspectors need two types of real estate inspection insurance policies: general liability and professional liability (E&O). 

General Liability Insurance for Home Inspectors

General liability insurance covers the following:

  • Bodily injuries - Third-party injuries sustained out of your inspection job can be costly, $1,000 to $2,000 at most. For example, if your client steps on your tape measure, slips, and breaks their arm, they can file a lawsuit against you

  • Property damage - Suppose the ladder you use, when accessing the roof for inspection, falls and dents the client's car; in that case, you're liable and should pay for the repairs

General liability can help you compensate third parties for their injuries or losses and will shoulder legal fees. 


Note that you can add products and complete operations to your basic general liability policy.


Basic general liability can only cover claims made on the time an incident -  resulting in property damage or bodily injuries to third parties - happened. It will not cater to claims made months or years later. This is where products and completed operations come in. If it’s added, general liability can take care of third-party claims made after some time you provided the home inspection service. 


Home Inspector Professional Liability Insurance

Aside from general liability, home inspectors also need to get professional liability insurance. Professional liability insurance provides protection against claims filed due to negligence, error and omissions, violation of good faith, etc. Let’s talk more about this policy in the proceeding section.

E&O Insurance for Home Inspectors

Home inspector errors and omissions insurance, otherwise called home inspector professional liability insurance, protects home inspectors from any lawsuit a homeowner files against them because of financial damages caused by real estate errors and omissions during inspections. Typically, e and o insurance for home inspectors covers lawyer fees, the claimant's losses, and the compensatory amount. 


It's worth noting that the best e&o insurance for home inspectors not only provides coverage when a client files a claim on the day the peril happened but also claims made some time later. 


This means your insurer will not only cover you as long as the professional liability for home inspectors policy remains effective but also after its duration expires, so long as the peril happened during the time the policy was valid.

Commercial Property Insurance for Home Inspectors

Aside from general liability and E&O insurance, carriers sell commercial property insurance for home inspectors. You’ll find this useful if you have a personal office space or running a home inspection firm.  Commercial property insurance does two primary things:

  • If your personal office or home inspection firm burns, is torn down by wind, or is destroyed by other means, commercial property insurance will reimburse your losses 

  • If your personal office or home inspection firm becomes damaged due to fire, theft, vandalism, and other covered perils, commercial property insurance will reimburse the value of damaged structures

Commercial property insurance comes with inclusions that provide further protection. The first one is stocks and contents coverage. Stocks and contents coverage will reimburse your losses if fire, theft, vandalism, and other covered perils cause the loss or damage of valuable items such as financial records, client records, interior installations, furnitures, and more. The second inclusion in commercial property insurance is business equipment and tools coverage. This will cover losses if the tools you’re using in home inspection service become lost or damaged due to fire, theft, vandalism, and other covered perils. 

Workers Compensation Insurance for Home Inspectors 

Workers' compensation insurance is a must if you have assistants or any other kinds of employees. This insurance will shoulder your responsibility if an employee suffers from a work-related injury or disease as caused by work-related accidents or poor working environments. The coverages of workers' compensation insurance are as follows:

  • Medical treatment/procedure - An employee might fall from a height or trip on something while assisting you. If injuries are sustained, workers' compensation insurance will cover emergency medical treatment/procedure such as surgeries, therapies, and more 

  • Hospitalization - After sustaining a work-related injury or illness, your employee might need to stay in the hospital for days, weeks, or months. Workers' compensation provides coverage in this situation by shouldering hospital bills

  • Medication - Workers compensation insurance will provide the money your employee can use to buy the medicines needed to heal a work-related injury or disease

  • Rehabilitation - If your employee suffers from heat stroke, fractures, and other illnesses or injuries that might require rehabilitative care, workers compensation insurance will cover therapist fees, rehabilitation equipment, and other associated costs

  • Lost income compensation - An employee might not be able to work after experiencing a work-related injury or disease. This will result in lost income. Workers' compensation insurance solves this problem by providing a weekly allowance as lost income compensation. Weekly allowance the employee receives will be equal to two-thirds or 67% of the average weekly wage

  • Death Benefits - If your employee dies due to a work-related injury or disease, workers' compensation insurance provides death benefits. Death benefits include but are not limited to the coverage for funeral expenses and financial aid to the deceased’s dependents

We strongly suggest you get workers' compensation insurance. Work-related hazards in home inspection are apparent. In fact, there are many recorded incidents. Here’s an example from the Occupational Safety and Health Administration:

  • A home inspector was performing an inspection of a private home. While in the attic space over the garage, he fell through the drywall garage ceiling approximately 10 feet to the concrete garage floor, striking his head. He was transported to UMC Trauma Center and died six days later

Home Inspector Commercial Auto Insurance

Don’t forget getting commercial auto insurance if you’re driving a car and using it to meet clients, go to project sites, and haul equipment. Commercial auto insurance provides the following protections:

  • Auto liability coverage - Auto liability coverage will cover expenses if you caused an accident while on the way to meet clients or inspect a building.  Specifically, this will cover the medical expenses of injured parties and reimburse the owners of damaged property 

  • Physical damage coverage - Physical damage coverage has two forms - collision and comprehensive. Collision physical damage coverage will cover parts repair or replacement if the vehicle you’re using as a home inspector incurs damage after colliding with a vehicle or an object. Comprehensive physical damage coverage, on the other hand, will cover parts repair or replacement if your commercial vehicle becomes damaged due to fire, theft, vandalism, and other covered perils 

  • Rental reimbursement coverage - If your car needs repairs, chances are you’ll have to rent a vehicle for work. The function of rental reimbursement coverage is to recoup what you spent on car rental 

  • MedPay/personal injury protection - MedPay and personal injury protection will cover expenses if you got injured after causing or getting involved in an accident with your commercial vehicle. MedPay will take care of medical expenses and funeral costs. On the other hand, personal injury protection does the same but provides additional coverage for lost income compensation, after-hospital visits, and more 

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Home Inspector Insurance Requirements

Each state in the United States requires home inspectors to get the minimum errors and omissions or general liability insurance. The table below shows the specific home inspector insurance requirements:

State Type of Insurance Required Amount of Coverage Needed
Alabama Errors and omissions $250,000
Alaska General liability $20,000
Arizona Errors and omissions $100,000 in E&O insurance per occurrence and $200,000 in aggregate.
Arkansas General liability $100,000
California None required
Colorado None required
Connecticut None required
Delaware None required
District of Columbia None required
Florida General liability (not required for work, only for getting a home inspection license $300,000
Georgia None required
Hawaii None required
Idaho None required
Illinois None required
Indiana General liability (only required for wood-destroying pest inspection $300,000
Iowa None required
Kansas Errors and omissions, General Liability $10,000 E&O, $100,000 General liability
Kentucky General liability $250,000
Louisiana Errors and omissions Any amount
Maine None required
Maryland General liability (not required for work, only for getting a home inspection license $150,000
Massachusetts Errors and omissions $250,000
Michigan None required
Minnesota None required
Mississippi Errors and omissions (not required for work, only for getting home inspection license $250,000 E&O per occurrence, $250,000 General liability per occurrence
Missouri None required
Montana None required
Nebraska None required
Nevada Errors and omissions, General Liability (not required for work, only for getting a home inspection license $100,000 E&0, $100,000 General liability
New Hampshire None required
New Jersey Errors and omissions $500,000
New Mexico None required
New York Either errors and omissions or general liability $150,000 per occurrence with a $500,000 aggregate limit
North Carolina Errors and omissions, General liability $250,000 E&O, $250,000 General liability
North Dakota Errors and omissions (not required for work, only for getting a home inspection license $100,000
Ohio Errors and omissions (only required if termite/wood destroying insect inspection is provided), General liability $100,000 E&O, $100,000 General liability with $300,000 aggregate
Oklahoma General liability $50,000
Oregon Must be an employee or owner of CBB licensed business with general liability or professional liability policy $300,000 - $500,000
Pennsylvania Errors and omissions $100,000 per occurrence with a $500,00 aggregate limit and a deductible of $2,500
Rhode Island Errors and omissions, General liability $500,000
South Carolina None required
South Dakota None required
Tennessee General liability $250,000 - $500,000
Texas Errors and omissions $100,000
Utah None required
Vermont None required
Virginia General liability $250,000
Washington None required
West Virginia None required
Wisconsin None required
Wyoming None required

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Home Inspector Insurance Cost

When purchasing residential home inspection insurance, it's essential to consider the costs of general liability insurance (also known as home inspector commercial liability insurance) and professional liability insurance.

What's the average cost of home inspector insurance? That's a question that home inspection professionals ask themselves when planning insurance purchases. You can expect to spend $47 a month or $564 annually to cover the home inspector liability insurance cost of $1 million general liability coverage.

How much is home inspector insurance fee depends on several factors such as:

  • Your location

  • Claims history

  • Past and current business activities

  • Operations and business structure

  • Age

When it comes to home inspector E&O insurance cost, your professional liability limit conforms to the standard market base, $1,000,000 per claim. Still, the average cost of the professional liability policy is $44 per month or $528 per year. As your company's assets and sales margins go beyond $1 million, it is advisable to increase your limit. Depending on your insurance history, the deductible on home inspector errors and omissions insurance cost 2% to 10% of the maximum policy limit.

For further reference, here’s a table showing the pricing of the best carriers for home inspector insurance:

Cost per Month Cost per Year Best for
CoverWallet $38.58 $463 Home inspection insurance quotes comparison online
Next $42 $504 Discounted liability home and property inspector insurance
ASHI $60 $720 Home inspectors looking for comprehensive home inspection insurance

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Best Home Inspector Insurance Companies

Your choice of insurance provider you partner with for building inspector insurance is critical. There are many home inspection insurance providers in the industry. The last thing you want is to fall victim to a cheap provider who can't protect you when you have home inspector lawsuits filed against you. With that said, partner with home inspection insurance companies that offer comprehensive policies that come with perks. Read the reviews below to know the best companies' pros, cons, and monthly pricing for a $1 million general liability coverage. 

CoverWallet Home Inspection Insurance


  • Helps you find home inspector insurance rates and the best E&O insurance for home inspectors with its online quotes comparison tool

  • Online policy management and payment

  • Get insured with or without the help of an insurance agent


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

CoverWallet isn’t a home inspection insurance company, so it might not be the first to cross your mind. But note that this insurance broker 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 carries within minutes.

You can also get insured immediately. Proceed to buy a quote and enjoy perks - online certificate of insurance (very useful for home inspection licensing and filing), online insurance payment, and adding of additional insureds at no additional cost.

Best for: Home inspection insurance quotes comparison and shopping online

Average cost: $38.58 per month 

Our rating: 10/10

Next Home Inspector Insurance


  • Instant online certificate of insurance

  • Send a certificate of general liability insurance or E&O insurance as a social media post, email, or text message

  • Discounted rates when bundling policies


  • Elderly home inspectors who decide to get insured with Next might find the company’s insurance process complex

Another option for cheap home inspector insurance rates is Next. With this company, you can save up to 30% by bundling general liability with E&O. Furthermore, you can get insured within 10 minutes with or without the help of Next’s US-based agents.

Best for: Discounted liability home and property inspector insurance

Average cost: $42 per month 

Our rating: 9/10

ASHI Home Inspector Insurance


  • Offers insurance products tailored for home inspectors

  • Comprehensive and affordable home inspector insurance costs

  • Provides exclusive home inspector insurance benefits

  • Limited home inspection insurance requirements; the only requirement is ASHI membership


  • Home inspector coverage is only available to ASHI members

The ASHI was established in 1979 to help home inspectors expand their careers and businesses by availing the resources that promote the best practices in home inspection and ownership. Today, the home inspection insurance company provides its 5,000+ members with exclusive general liability coverage and other home inspectors liability insurance with exclusive benefits other companies don't offer.

The ASHI offers its members home inspectors insurance in collaboration with Home Inspector Pro Insurance. The partnership strengthens the "ASHI Advantage, " a home inspector insurance pay per inspection program, steeped in insurance perks that one would be hard-pressed to get in the marketplace. Among its benefits are:

  • Inspector and member discounts

  • Upgraded inland marine equipment coverage

  • Free extended reporting period (ERP)

The partnership means ASHI can now extend Inspector Pro's robust management system at affordable home inspector insurance costs. ASHI members have access to professional underwriters who understand the home inspector insurance sector. With ASHI's insurance products, home inspectors can access various endorsements to cover other additional services they offer to their clients.

Inspector Pro is an experienced home inspector insurance company that has made revolutionary innovations in the industry. They've worked with home inspection companies for years. They know home inspectors' needs, enabling them to offer members enhanced insurance protection.

Best for: Home inspectors looking for comprehensive home inspection insurance

Average cost : $60 per month 

Our Rating : 10/10

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Reviews help but only you can make the best decision for yourself. Get the best coverage by having a first-hand look of the offers from different home inspector insurance companies. Use our online quote comparison tool to do so. Click the “Get Quotes” button to start.

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