Real Estate Agent Insurance — Coverage, Cost & Requirements
Independent real estate agents need errors and omissions (E&O) professional liability as their primary coverage, plus business auto for client transport, and cyber liability for transaction data including wire transfer and banking information. Commission disputes and disclosure failures are the most common claims.
Backed by Munich Re. 750,000+ businesses insured. Get your certificate of insurance instantly.
What Coverage Does Real Estate Agent Insurance Include?
Most real estate agent businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Professional Liability (E&O)
Covers claims that your advice or services caused financial harm to a client.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
Cyber Liability
Covers data breach response, ransomware, notification costs, and cyber liability.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
How Much Does Real Estate Agent Insurance Cost?
The cost of real estate agent insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
Get Covered Now — It Takes 10 Minutes
NEXT Insurance lets you get a quote, buy a policy, and download your certificate of insurance entirely online. No agent calls required. Backed by Munich Re's A+ AM Best rating.
Want us to text you the link instead?
SMS only. No spam. Reply STOP to opt out.