Home Inspectors E&O Insurance

Welcome to Home Inspector’s E&O/GL

OREP specializes in placing errors and omissions insurance for real estate appraisers, home inspectors, real estate agents and brokers, mortgage field service professionals, mortgage brokers, title and others. OREP offers the lowest rates on appraiser’s insurance with same day coverage & confirmation (most cases).

Home Inspectors Insurance
E&O Insurance and General Liability Insurance for Home Inspectors

Most Inspectors qualify for one of OREP’s self-rating applications, which don’t require quoting, getting you back to work fast! Simply complete the application and return with payment. If you’d like to speak to an agent, however, we’re happy to help you. Call us toll free (888) 347-5273 (8-5 PST) or email us at info@orep.org.

“Thank you Maria, sure do appreciate everyone at OREP. Worry free service year after year! I never feel like I have to shop around.”Alan, HousePro Home Inspections


Home Inspectors, E&O Insurance, Errors and Omissionsselect-state1

Broad Coverage AND NEW Lower Rates

E&O + General Liability Included in Minimum Premium

Broad coverage* included in minimum premium with no additional fees: E&O, General Liability, radon, pest, commercial, FHA, HUD and VA Inspections (Including 203K), prior acts (qualified applicants), agent referral, additional insured (franchises), pool and spa, mortgage field, energy rating, multiple inspectors, independent contractors and other services. Various deductibles available (the lowest deductible on self-rating application is $2,500.

Click for Program Highlights. (*Coverage varies in HI, LA, NY. Please ask OREP agent. 888-347-5273). Coverage Questions to Ask Your Current Agent.

NEW Lower Rates!
Rate Table applies to companies with revenues less than $175,000 in the previous or next 12 months. Includes all inspectors/employees and two independent contractors free. Admitted Carrier, Broad Coverage. (rates not applicable in HI, LA, NY).

General Liability
$1,000,000/$1,000,000 $1,700 INCLUDED
$500,000/$500,000 $1,550 INCLUDED
$300,000/$300,000 $1,400 INCLUDED
$100,000/$300,000 $1,250 INCLUDED

* Companies with revenues of more than $175,000 in the previous or next 12 months, or with claims in the last 5 years, please use Standard Application.

The Self Rating Home Inspector’s E&O Insurance Application gets you back to work fast. Select your state, complete the application and return with payment.

SELECT YOUR STATE: (revenues under $175,000, no claims)

(The lowest deductible on the self-rating application is $2,500. If you’d to request a $1,500 deductible, please use the Standard Application).

Broad Coverage

With many other programs, if you are not paying for these additional coverages, the chances are good you’re not getting the coverage. Click for more.

Most important coverages are included in the base policy. And don’t pay more because of where you live: if you live in a “higher-priced” state like AZ, CA, FL, IL, NC, NJ, PA, or TX. OREP coverage is not more expensive. The minimum premium, including E&O, General Liability Minimum and many other coverages is $1,250 ($300,000 Aggregate Limit). Various limits and deductibles are available.

The Self Rating Home Inspector’s E&O Insurance Application gets you back to work fast. Select your state, complete the application and return with payment. Admitted A+ Carrier (no surplus lines tax). OREP membership includes a broad list of benefits.

“Maria you guys are GREAT, so fast, so easy, so supportive…my first year I was with another outfit and my experience with you has been the exact opposite of what it was with them…Thank you so much.”
- William Bentley, Bentley Property Inspections


Get Back to Work Fast!

Underwriting is easy – premium rates included right on the application. Click the self-rating home inspector’s e&o insurance application for your state from the drop down menu below, save the PDF to your computer and/or print, complete and return with payment via fax, email or U.S. mail. Financing available. No waiting for quotes.

Adding Mortgage Field Service and/or Energy Rating to the Home Inspecting: Please use the Standard Application to add mortgage field and energy rating or if you don’t qualify for the Self Rater as per the questions on the application.

Claim History: Also use the Standard Application if you have had a Claim within the last 5 years.

Coverage for septic, new construction/code compliance or EIFs, please use the Standard Application.

Financing is available – click here for details.

$1,500 Deductible- please use the Standard Application.

SELECT YOUR STATE: (revenues under $175,000, no claims)


What you can Expect

  • When your application is received, a confirmation receipt will be emailed to you. If your application is incomplete, an agent will contact you immediately. If you do not hear from OREP within one business day please call us.
  • If you use a PO Box for your address on the application, you will also need to list a physical address. (required by underwriter)
  • Applications that require quoting (Standard Application) may take 2 to 3 days to underwrite.
  • Declarations pages and policies are emailed within 2 to 5 business days after binding. Coverage is NOT bound until a binder/declarations page is issued.
  • If you need expedited processing, please email your request to info@orep.org.
  • Confirmation letters for proof of coverage, prior to issuance of your Binder/Declarations page, are available upon request. Email info@orep.org and one will be issued.

Receive fast, personal service from the OREP staff who have been serving appraisers, inspectors and other real estate professionals for over 16 years. (David Brauner: Calif. Insurance License 0C89873)

Click Errors and Omissions Programs at right for more information and applications or call us Toll Free: (888) 347-5273. We’re here to help!

Please fax or email your completed application to OREP:

Contact OREP

David Brauner Insurance Services / OREP
6760 University Ave, Suite 250
San Diego, CA 92115
Ph. (888) 347-5273 toll free
Email: info@orep.org
Fax: (619) 704-0567 (preferred) or (619) 269-3884 (alternate)
Hours: Monday – Friday from 8am-5pm PST
Agent/Broker: David Brauner/David Brauner Insurance Services – Calif. Ins. license #0C89873. Licensed in 49 states. Please call for license number in your state.

General Liability Insurance
Please ask your agent for details.

Click to learn more about Surplus Lines

Click for Working RE Magazine coverage of Home Inspector Liability

Offering Real Estate Appraisers Professional Liability Errors and Omissions or E&O Insurance – Inspectors Professional Liability Errors Omissions or E&O Insurance for Real Estate Agents & Brokers Professional Liability or E&O Insurance- Mortgage Brokers and Bankers Professional Liability or E&O Insurance.

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