It depends completely on which state the inspector is located. For example, Florida requires $300,000 of general liability, Louisiana requires $300,000 of both general liability and errors and omissions, and Georgia has no requirements. Most inspectors we know carry both liability and E&O, often in a larger amount than required, because customers ask about it and they consider it a selling point.

    Also, see our blog posts How can I check to be sure a home inspector is licensed? and Does a home inspector have to be bonded?

    Click on any of the links below to read other articles about what is required to be included, or not, in a home inspection:

AFCI •• Air conditioner •• Ants •• Appliance recalls •• Appliance testing •• Attic •• Awnings •• Barns and ag blgs. •• Bathroom exhaust fan •• Bonding •• Carpet •• Ceiling fans •• Central vacuum •• Chimneys •• Chinese drywall •• Clothes dryer •• Dryer exhaust •• CO alarms •• Code violations •• Condemn a house •• Crawl space •• Detached carport •• Detached garage •• Dishwasher •• Docks •• Doors •• Electrical •• Electrical panel •• Electromagnetic radiation •• Fences •• Fireplaces  Furnace •• Garbage disposal •• Generator •• GFCIs •• Gutters •• Ice maker •• Inspect in the rain •• Insulation •• Insurance •• Interior Finishes •• Grading & drainage •• Lead paint •• Level of thoroughness •• Lift carpet •• Low voltage wiring •• Microwave •• Mold •• Move things •• Help negotiate •• Not allowed •• Outbuildings •• Paint •• Permits •• Pilot lights •• Plumbing •• Plumbing under slab •• Pools •• Questions won't answer •• Radon •• Range/cooktop •• Receptacle outlet •• Refrigerator •• Reinspection •• Remove panel cover •• Repairs •• Repair estimates •• Retaining walls •• Roaches •• Rodents •• Roof •• Screens •• Seawalls •• Septic loading dye test •• Septic tank •• Sewer lines •• Shower pan leak test •• Shutters •• Sinkholes •• Smoke alarms •• Solar panels •• Specify repairs •• Sprinklers •• Termites •• Toilets •• Trees •• Troubleshooting •• Wall air conditioners •• Walk roof •• Washing machine •• Water heater •• Water pressure •• Water shut-offs •• Main water shut-off •• Water softener •• Water treatment systems •• Well •• Windows •• Window/wall air conditioners •• Window blinds •• Wiring  

• • • • • • • • • • • • • • • • • • • • • 

Here’s links to some of our other blog posts about HOME INSPECTION:

• The home inspector says I have construction defects. How did my home pass inspection by the building department? 

• Does the seller have to make a repair requested by the homebuyer, even if the home inspector did not call it out as a defect?

• The one home inspection question we get asked most often: "Will that be in the report?" 

• Does  a homebuyer need to ask the seller's permission to do additional inspections after the initial one?

• Do home inspectors inspect barns and other agricultural buildings on a farm? 

• What is the difference between a structural defect and a cosmetic defect?

• Can a Florida licensed contractor do home inspections without having a home inspector license? 

• Do home inspectors inspect outbuildings?

• Does a home inspector give cost estimates for repairs?

• The seller gave me a report from a previous home inspection. Should I use it or get my own inspector?  

• Who should pay for the home inspection?

• Do I need a home inspection to get insurance?

• I can't find a local home inspector. What should I do? 

• Do home inspectors test the appliances?

• Should I trust the Seller's Property Disclosure Statement? 

• What makes a house fail the home inspection?

• Can a home inspector do repairs to a house after doing the inspection? 

• What are the requirements for a room to be classified as a bedroom?

• Do home inspectors lift up the carpet to look for cracks in the floor? 

• What can I learn from talking with the seller?

• What is the difference between a home inspection and a final walkthrough inspection? 

• Do home inspectors go on the roof? Do they get in the attic?

• What are the questions a home inspector won't (or shouldn't) answer?

• Should a home inspection scare you? 

• What questions should I ask the home inspector during the inspection?

• What should I bring to the home inspection? 

• Does my home inspection report give me everything I need to evaluate the price of a house? 

• Should I hire an engineer to inspect the house?

• How can I find out if all the home improvements had a building permit? 

• Does a home inspector make sure the house is up to code?

     Visit our DOES A HOME INSPECTOR…? page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.