Real Estate Agent & Broker E&O Insurance

Premiums starting at $350 – No Broker Fees

California brokers – click on California tab above for pricing
Florida brokers – click on Florida tab above for pricing

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National Real Estate Program
RealCare Does Not Charge Broker Fees | No membership Fees | Free Risk Management Hotline

RealCare is committed to continually improving the insurance products and services available to real estate professionals. We are proud to announce that Navigators has added enhancements to its market-leading real estate E&O product to bring greater value to insureds.

Policy Features
Navigators now offers even better coverage for the same great price! (Coverage and pricing differs in WA; program not available in NY, LA, AK)

  • AM Best Rating: AXI, Stable Financial Outlook
  • Deductible Reduction: 50% reduction with proof of the following: use of any Home Warranty and Property Inspection and Seller Disclosure and Standard sales contract OR claim settlement within one year from date of reporting – maximum reduction $5000
  • Fair Housing Discrimination: Up to $500,000 base policy period sublimit. NEW!
  • Lock Box/Open House: Policy limits: bodily injury, property damage
  • Loss of Earning: $500/day, $7500 Max per claim, $25K per year
  • Agent Owned Property: YES
  • Pollution Coverage: Policy limits: unintentional nondisclosure
  • Disciplinary Proceedings: $25K per claim/$50K each policy period
  • Subpoena Assistance: $25,000 each subpoena
  • Fungi and Bacteria Sublimit: Up to $500,000 included (failure to disclose) NEW!
  • Reimbursement for Security Incidents: $25,000 per claim/$50,000 per policy period
  • Reimbursement for Public Relations Crisis: $15,000 per claim/$30,000 policy period. NEW!
  • Non-Profit Directors’ & Officers’ Liability: $15,000 per claim/$30,000 per policy period
  • Professional Reputation Protection Expenses: $5000 per policy period
  • Innocent Insured: Included
  • Defense In Addition to Limits: AVAILABLE
  • First Dollar Defense: AVAILABLE
  • Aggregate Deductible: AVAILABLE
  • Death or Disability Reporting Period Option: FREE Unlimited Extended Reporting Period
  • Retirement Reporting Period Option: FREE Unlimited Extended Reporting Period (if continuously with Navigators for 5 years by age 65)





In 2014, RealCare formed an underwriting partnership with Navigators Insurance Company to provide insurance for real estate professionals in all states (except NY, AK, & LA). RealCare’s program is marketed through independent and licensed insurance agents and brokers. Navigators Insurance Company is rated “A” (Excellent) by A.M. Best and was ranked one of the 100 most trusted companies in America in 2014 by Forbes. Read More.

Underwritten by Navigators Insurance Company & Navigators Specialty Insurance Company; One Penn Plaza, 32nd Fl., New York, New York 10119. The material in this publication does not bind the company in any manner. The coverage is subject to the language of the policy as issued. Programs or products may not be available in all states and policy features may vary by state. Please consult your insurance broker and review the policy for coverage limitations, restrictions, exclusions, terms and conditions.