Home inspectors buy E&O and general liability as a package, and the package typically runs $1,200 to $3,500 a year for an established solo inspector — the priciest coverage per dollar of revenue among the professions we insure, because “you missed it” claims are simply a cost of doing inspections. State mandates set floors; claim reality sets the real number.
Typical home inspector insurance costs
| Business profile | Typical annual E&O premium range* |
|---|---|
| New inspector, low volume, E&O+GL package | ~$1,200 – $2,500 |
| Established solo inspector (200–400 inspections/yr) | ~$1,800 – $3,500 |
| Inspector with radon/termite/sewer add-ons | ~$2,500 – $5,000 |
| Multi-inspector firm | ~$4,000 – $10,000+ |
*Illustrative market ranges from typical small-business placements; actual premiums depend on revenue, limits, claims history, state, and carrier appetite. Not quotes or offers of coverage.
What moves the price
Inspection volume is the base; every ancillary service (radon, termite/WDI, mold, pools, sewer scopes, drones) is a scheduled add-on with its own price. State litigation climate matters enormously — coastal and mandate states price differently — and claims history moves inspector renewals harder than most professions because carriers watch frequency closely in this class.
How home inspector pay less without cutting coverage
Use a tight pre-inspection agreement with limitation-of-liability language where enforceable — several carriers discount for it. Photo-document everything (settled claims come from thin reports), schedule only the ancillary services you actually perform, and report complaints immediately: late notice is the most common way inspectors turn a defensible claim into a coverage fight.
Full coverage details are on our Home Inspectors professional liability page, and the mechanics of limits, claims-made coverage, and deductibles are in the master cost guide. Ready for real numbers? Compare quotes from multiple A-rated carriers in minutes.
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