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SOLUTIONS

Idaho Real Estate Errors and Omissions Insurance

NEW! E&O Options from $75 to Revolutionize Idaho E&O

Renew by September 30, 2022

  • Base Protection plan:  from $75
  • Superior Protection plan: from $135
  • Platinum Protection Bundle: from $265
  • All with Pre-Claim Expert Legal Services 7 days a week

Idaho Now Has New Real Estate E&O Plans Starting at Just $75!

You’ll now have 3 new real estate errors and omissions plans for Idaho, tailored to your transaction volume  . . .

✅ Base Protection with the lowest price for those with no income from activities requiring a real estate license in the last 12 months:
$100,000/$500,000 coverage – starting at $75!

✅ Superior Protection:
$100,000/$500,000 coverage – from $135

✅ Platinum Protection Bundle with the broadest coverage, most popular options, and highest limits at a bundled price for those who need it. $500,000/$500,000 or $1 million/$1 million coverage limits – from $265 or $365

From 10 to 20 Times More Coverage in EVERY CRES E&O Plan

Every CRES E&O plan is guaranteed to meet 100% of IREC requirements, guaranteed to meet or beat the coverage of the state group plan, and includes expert pre-claim Legal Services 7 days a week.

Compared to the state group plan, every CRES plan includes far more coverage:

Base Protection Plan and Superior Protection Plan

  • Pollution/Environmental (including mold) to $100,000    —  vs $10,000 (10x the coverage)
  • Lockbox Property Damage to $100,000                                —   vs $5,000 (20x more coverage)
  • Cyber Liability data breach notification up to $50,000   —   vs $5,000 (10x the coverage)
  • First Dollar Defense (no out-of-pocket costs when your claim involves only defense costs)
  • Defense Outside the Limits (gives you additional coverage equal to your policy limit to cover defense costs)
  • Agent-Owned Property sales for vacation and rental properties to four-plex
  • Firm/Franchise coverage
  • Team/Non-licensed coverage
  • Broad Form coverage including: $30,000 subpoena coverage, $20,000 per disciplinary proceeding (up to $50,000 per policy year) — and more

Optional Coverage:

  • Fair Housing/Discrimination Defense and Damages to the policy limit ($500,000) – just $8
  • $500,000 Environmental/Pollution (including mold) – just $4
  • $100,000 Open House and Showings coverage – just $8
  • $250,000 Open House and Showings coverage – just $12
  • $25,000 Seller’s Protection Plan coverage to help you win more listings – just $5

Platinum Protection Bundle Includes ALL OF THE ABOVE, plus:

  • $500,000/$500,000 or $1 million/$1 million coverage limits
  • Pollution/Environmental (including mold) to policy limits ($500,000 or $1 million)
  • Open House and Showings coverage to $250,000 (not included in state group plan)
  • Fair Housing/Discrimination Defense and Damages coverage to policy limits
  • Sellers Protection Plan to $25,000

Choose a separate policy to cover your Appraisal  or Transaction Coordinator activities.

In Every Plan

  • Prior Transactions covered for as long as you’ve maintained continuous E&O coverage. No need for Tail (ERP) coverage.
  • You won’t pay extra to cover all of your activities that require a real estate license, including commercial.

*Comparison as of 8-1-22 based on base policy cost for licensees performing activities requiring a license. Seller’s E&O coverage and other benefits are feature-based and warranty specific. The E&O Retention (Out-of-Pocket Claims Expense) Reduction applies to any real estate licensed Real Estate Services Council Risk Purchasing Group, LLC. (“RESCRPG”) member who personally pays for the Home Warranty Plan. These benefits are offered by, and intended for, the members of RESCRPG. RESCRPG membership is part of your CRES E&O policy. Other warranties may also qualify for an E&O Retention Reduction, but only those warranties listed here are guaranteed to qualify. Not available in all states. Certain restrictions apply. Read each policy for a full comparison of coverage and benefits. All coverage is subject to Underwriting and other qualifications.

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