---
title: "Home inspector insurance | InspectDay"
description: "The insurance or bond each state's license page sets for a home inspector, state by state."
---

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# Home inspector insurance

Find your state's insurance or bond rule, as its license page states it.

By InspectDay State license pages, checked on October 9, 2026 5 min read

[Starting a home inspection business](/blog/start-home-inspection-business/)

- [Alabama](/home-inspector-license/alabama/): Bodily injury and property damage liability insurance of at least $20,000 for property damage, $50,000 for any one person and $100,000 for more than one person, plus $250,000 of errors and omissions coverage.
- [Alaska](/home-inspector-license/alaska/): A surety bond, a time certificate of deposit or a cashier’s check of $10,000. A certificate of public liability and property damage insurance of at least $20,000 for property damage, $50,000 for injury or death to one person and $100,000 for injury or death to more than one person.
- [Arizona](/home-inspector-license/arizona/): Within 60 days after certification, and before any fee-based home inspection, file one of three financial assurances. It may be errors and omissions insurance of $200,000 in the aggregate and $100,000 per occurrence, a bond of $25,000 retroactive to the certification date, or proof that minimum net assets have a value of at least $25,000.
- [Arkansas](/home-inspector-license/arkansas/): Professional liability or errors and omissions insurance of at least $100,000. Submit a current certificate of insurance with your application.
- [Connecticut](/home-inspector-license/connecticut/): Chapter 400f of the General Statutes and the Regulations of Connecticut State Agencies, 20-491, set no insurance requirement for home inspectors.
- [Delaware](/home-inspector-license/delaware/): Under the Division’s guidance, a certificate sent directly from your carrier showing at least $50,000 of errors and omissions insurance.
- [Florida](/home-inspector-license/florida/): Commercial general liability insurance of at least $300,000.
- [Illinois](/home-inspector-license/illinois/): General liability insurance of at least $100,000 to cover losses or claims against you or your home inspector entity. You attest to it on the application.
- [Indiana](/home-inspector-license/indiana/): General liability insurance of at least $100,000 from an insurer authorized in Indiana. The policy lists the state as an additional insured.
- [Iowa](/home-inspector-license/iowa/): Errors and omissions and general liability insurance of at least $100,000 per occurrence and $500,000 in the aggregate, with deductibles of no more than $2,500. Keep it for at least one year after the latest report you deliver.
- [Kentucky](/home-inspector-license/kentucky/): General liability insurance of at least $250,000, from an insurer authorized in Kentucky. The board is the certificate holder.
- [Louisiana](/home-inspector-license/louisiana/): Errors and omissions insurance and general liability insurance, each at least $300,000 per year, with a deductible of no more than $5,000.
- [Maryland](/home-inspector-license/maryland/): General liability insurance of at least $150,000.
- [Massachusetts](/home-inspector-license/massachusetts/): Errors and omissions insurance of at least $250,000 in the aggregate, for both licenses.
- [Mississippi](/home-inspector-license/mississippi/): General liability insurance and errors and omissions insurance, each of no less than $250,000 per occurrence. The certificate is in the inspector’s own name, with the Mississippi Home Inspection Division as certificate holder.
- [Montana](/home-inspector-license/montana/): Errors and omissions insurance of at least $125,000, with proof submitted.
- [Nebraska](/home-inspector-license/nebraska/): A certificate of general liability insurance of at least $250,000.
- [Nevada](/home-inspector-license/nevada/): Errors and omissions insurance of at least $100,000 and general liability insurance of at least $100,000, held by you or your employer. Proof is due with each application and renewal, and you supply it to the Division every year.
- [New Hampshire](/home-inspector-license/new-hampshire/): Proof of liability insurance with your application and with each renewal. The proof names the insurer, the certificate holder, the category and minimum amounts of coverage, and the cancellation policy.
- [New Jersey](/home-inspector-license/new-jersey/): Errors and omissions insurance of at least $500,000 per occurrence.
- [New Mexico](/home-inspector-license/new-mexico/): Errors and omissions insurance totaling at least $250,000, and professional liability insurance totaling at least $250,000. Renewal requires proof of both.
- [New York](/home-inspector-license/new-york/): Proof of a certificate of liability coverage, filed with the Department. The Department sets its terms and conditions.
- [North Carolina](/home-inspector-license/north-carolina/): General liability insurance of $250,000, and either minimum net assets or a surety bond, in an amount the Board sets between $5,000 and $10,000, or errors and omissions insurance of $250,000.
- [North Dakota](/home-inspector-license/north-dakota/): Proof of current errors and omissions insurance of $100,000 or more covering all home inspection activities. A renewal must reach the Secretary of State before July 1, with a current insurance certificate.
- [Ohio](/home-inspector-license/ohio/): Comprehensive or commercial general liability insurance of at least $100,000 per occurrence and $300,000 aggregate. If your employer is not a licensed home inspector and carries a policy that covers you, you need not carry your own.
- [Oklahoma](/home-inspector-license/oklahoma/): Comprehensive general liability insurance with limits of at least $50,000 combined single limit for bodily injury and property damage. The certificate must name the Construction Industries Board as certificate holder, not as an additional insured.
- [Oregon](/home-inspector-license/oregon/): The home inspector services endorsement carries a $15,000 bond and $100,000 per occurrence of liability insurance.
- [Pennsylvania](/home-inspector-license/pennsylvania/): Errors and omissions insurance and general liability insurance, each of at least $100,000 per occurrence and $500,000 in the aggregate, with deductibles of no more than $2,500, kept for at least one year after your latest report.
- [Tennessee](/home-inspector-license/tennessee/): General liability insurance of at least $500,000, and errors and omissions insurance, with proof in the standard Accord format.
- [Texas](/home-inspector-license/texas/): Professional liability or other insurance covering Texas Occupations Code Chapter 1102, Subchapter G, of $100,000 per occurrence, before the license issues. Upload the TREC Certificate of Insurance or Proof of Financial Responsibility form.
- [Utah](/home-inspector-license/utah/): Liability insurance of $500,000 and errors and omissions insurance of $500,000, each naming the Division as certificate holder.
- [Virginia](/home-inspector-license/virginia/): General liability insurance of at least $250,000 per occurrence. A commercial general liability or business liability policy of $250,000 is acceptable if the applicant is an additional insured.
- [West Virginia](/home-inspector-license/west-virginia/): General liability insurance of $250,000, maintained, with proof to the State Fire Marshal at renewal.

For a state not listed, its license page is the place to check.

## Sources

- [Alabama Department of Finance, “Chapter 355-17-1 Alabama Home Inspectors Registration Program”](https://admincode.legislature.state.al.us/api/chapter/355-17-1)
- [Department of Commerce, Community, and Economic Development, “Statutes and Regulations Construction Contractors”](https://www.commerce.alaska.gov/web/Portals/5/pub/ContractorStatutes.pdf)
- [Department of Commerce, Community, and Economic Development, “Home Inspector Registration Application Instructions”](https://www.commerce.alaska.gov/web/Portals/5/pub/hin4001.pdf)
- [Arizona Legislative Council, “32-122.02. Certification of home inspectors; insurance”](https://www.azleg.gov/ars/32/00122-02.htm)
- [State Board of Technical Registration, “Home Inspector Applicants”](https://btr.az.gov/applicants/home-inspector-applicants)
- [Arkansas Department of Labor and Licensing, “Home Inspector Division Statutes 2025”](https://labor.arkansas.gov/wp-content/uploads/Home-Inspector-Division-Statutes-2025.pdf)
- [Arkansas Department of Labor and Licensing, “Becoming a Registered Home Inspector”](https://labor.arkansas.gov/licensing/appraisers-abstracters-home-inspectors/home-inspector-registration-board/how-to-become-a-registered-home-inspector-in-arkansas/)
- [State Board of Appraisers, Abstracters, and Home Inspectors, Department of Labor and Licensing, “Part 200 Rules, Subparts 1 to 5”](https://labor.arkansas.gov/wp-content/uploads/SBAAHI-2026-Rules-Subpart-1-5-General-provisions-Home-Inspectors.pdf)
- [Connecticut General Assembly, “Chapter 400f - Home Inspectors”](https://www.cga.ct.gov/current/pub/chap_400f.htm)
- [Connecticut Secretary of the State, “Regulations of Connecticut State Agencies, Title 20 Subtitle 20-491”](https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_20Subtitle_20-491_HTML/)
- [Division of Professional Regulation, “Home Inspector Licensure by Endorsement”](https://dpr.delaware.gov/boards/homeinspector/endorsement/)
- [The Florida Senate, “Chapter 468 Section 8322 - 2026 Florida Statutes”](https://www.flsenate.gov/Laws/Statutes/2026/468.8322)
- [Illinois Department of Financial and Professional Regulation, “Home Inspector Application for Licensure by Examination”](https://idfpr.illinois.gov/content/dam/soi/en/web/idfpr/forms/dre/home-inspector-license-application-exam.pdf)
- [Indiana Professional Licensing Agency, “Home Inspectors Licensing Information”](https://www.in.gov/pla/professions/home-inspectors-home/home-inspectors-licensing-information)
- [Iowa Legislature, “558A.4A Independent home inspection report — persons authorized to issue”](https://www.legis.iowa.gov/docs/code/558A.4A.pdf)
- [Kentucky Legislative Research Commission, “KRS 198B.712 License required – Qualifications – Application – Insurance – Fee”](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=46059)
- [Louisiana State Legislature, “RS 37:1481”](https://legis.la.gov/legis/LawPrint.aspx?d=93322)
- [Louisiana State Board of Home Inspectors, “Get Licensed”](https://lsbhi.state.la.us/get-licensed)
- [Maryland Commission of Real Estate Appraisers, Appraisal Management Companies and Home Inspectors, “Apply for an Original Home Inspector License”](https://labor.maryland.gov/license/reahi/reahiapplyhi.shtml)
- [Maryland Commission of Real Estate Appraisers, Appraisal Management Companies and Home Inspectors, “License Requirements”](https://labor.maryland.gov/license/reahi/reahireq.shtml)
- [Massachusetts Legislature, “General Laws, Part I, Title XVI, Chapter 112, Section 225”](https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXVI/Chapter112/Section225)
- [Massachusetts Division of Occupational Licensure, “Apply for a home inspector license”](https://www.mass.gov/how-to/apply-for-a-home-inspector-license)
- [Massachusetts Division of Occupational Licensure, “Apply for an associate home inspector license”](https://www.mass.gov/how-to/apply-for-an-associate-home-inspector-license)
- [Mississippi Legislature, “Senate Bill 2788, as sent to the Governor”](https://billstatus.ls.state.ms.us/documents/2024/pdf/SB/2700-2799/SB2788SG.pdf)
- [Montana Department of Labor & Industry, “Licensing Requirements and Application Checklist”](https://boards.bsd.dli.mt.gov/_docs/hip/HI-checklist.pdf)
- [Nebraska Secretary of State, “Home Inspectors | Nebraska Secretary of State”](https://sos.nebraska.gov/licensing/home-inspectors)
- [Nebraska Legislature, “76-3603. Fee; certificate of insurance.”](https://nebraskalegislature.gov/laws/statutes.php?statute=76-3603)
- [Nevada Legislature, “NRS: CHAPTER 645D - INSPECTORS OF STRUCTURES AND ENERGY AUDITORS”](https://www.leg.state.nv.us/NRS/NRS-645D.html)
- [New Hampshire General Court, “Adopt Chapter Lsa 100 to read as follows:”](https://www.gencourt.state.nh.us/rules/state_agencies/home100-700.html)
- [New Jersey Home Inspection Advisory Committee, “Home Inspection Advisory Committee - FAQ - Frequently Asked Questions”](https://www.njconsumeraffairs.gov/hom/Pages/FAQ.aspx)
- [New Mexico Regulation and Licensing Department, “Licensing, Registration, and Renewal - NM RLD”](https://www.rld.nm.gov/boards-and-commissions/individual-boards-and-commissions/home-inspectors/licensing-registration-and-renewal/)
- [New York State Senate, “Section 444-K - Liability coverage”](https://www.nysenate.gov/legislation/laws/RPP/444-K)
- [North Carolina Office of State Fire Marshal, “Licensure Insurance Requirements | OSFM”](https://www.ncosfm.gov/licensing-cert/home-inspector-licensure-board-hilb/licensure-insurance-requirements)
- [North Carolina General Assembly, “Chapter 143 - Article 9F”](https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/ByArticle/Chapter_143/Article_9F.html)
- [North Dakota Century Code, “Chapter 43-54 - Home Inspectors”](https://www.ndlegis.gov/cencode/t43c54.pdf)
- [North Dakota Secretary of State, “Home Inspectors | Secretary of State | North Dakota”](https://www.sos.nd.gov/business/licensing-registration/home-inspectors)
- [Ohio Laws, “Section 4764.11 - Ohio Revised Code”](https://codes.ohio.gov/ohio-revised-code/section-4764.11)
- [Oklahoma Construction Industries Board, “Title 158 Chapter 70”](https://oklahoma.gov/content/dam/ok/en/cib/documents/your-industry/home-inspector/title_158_chapter_70.pdf)
- [Oregon Construction Contractors Board, “Oregon Construction Contractors Board : CCB License : State of Oregon”](https://www.oregon.gov/ccb/Pages/CCB%20License.aspx)
- [Pennsylvania General Assembly, “Chapter 75, Home Inspections”](https://www.palegis.us/statutes/consolidated/view-statute?txtType=HTM&ttl=68&div=0&chapter=75)
- [Tennessee Department of Commerce and Insurance, “Home Inspector”](https://www.tn.gov/commerce/regboards/homeinsp/license/get/home-inspector.html)
- [Tennessee Department of Commerce and Insurance, “CHAPTER 0780-05-12 HOME INSPECTORS”](https://publications.tnsosfiles.com/rules/0780/0780-05/0780-05-12.20260122.pdf)
- [Texas Real Estate Commission, “Become a Professional Real Estate Inspector”](https://www.trec.texas.gov/become-licensed/professional-real-estate-inspector)
- [Utah Office of Administrative Rules, “R156-56. Building Inspector and Factory Built Housing Licensing Act Rule”](https://adminrules.utah.gov/public/rule/R156-56/Current%20Rules)
- [Virginia Administrative Code, “18VAC15-40-30. General requirements for licensure.”](https://law.lis.virginia.gov/admincode/title18/agency15/chapter40/section30/)
- [West Virginia Secretary of State, “Certification of Home Inspectors”](https://apps.sos.wv.gov/adlaw/csr/readfile.aspx?DocId=57109&Format=PDF)

## See how to start your inspection business.

[Starting a home inspection business](/blog/start-home-inspection-business/)