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Idaho Real Estate Errors and Omissions Insurance

Idaho E&O includes $200,000 more coverage 

Renew by September 30, 2024

  • Base Protection plan:  from $75
  • Superior Protection plan: from $135
  • Platinum Protection Bundle: from $265
  • All with Expert Pre-Claim Legal Services Included
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Renew Your CRES Policy

Choose from 3 Real Estate E&O Plans Starting at Just $75 — all with $200,000 More Protection

All 3 real estate errors and omissions plans for Idaho, tailored to your transaction volume, include FAR more protection than the state-sponsored plan  . . .

✅ 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 – $200,000 more total coverage, plus 8X to 20X more protection in individual risk areas than the state-sponsored plan – 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 8 to 20 Times More Coverage in EVERY CRES E&O Plan — the Real Difference Between Plans

Every CRES E&O plan is guaranteed to meet 100% of IREC requirements, guaranteed to meet or beat the coverage of the state-sponsored plan, and includes our highly rated Pre-Claim Legal Services. All real estate professionals in idaho are required to have Errors and Omissions insurance, so why not get the best protection for your money?

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

Base Protection Plan and Superior Protection Plan

state-sponsored plan

  • Pollution/Environmental (including mold) to $100,000
  • Lockbox Property Damage to $100,000
  • Escrow Disputes to $100,000
  • Cyber Liability data breach notification up to $50,000
  • Subpoena coverage to $30,000
  • Disciplinary proceedings to $20,000
  • Agent-Owned Property sales (vacation or rental properties to four-plex)
  • Conformity (your policy conforms to requirements of any other state in which you hold a real estate license)
  • Fair Housing/Discrimination Defense to policy limits
  • First Dollar Defense (no out-of-pocket costs when only defense costs)
  • Defense Outside the Limits (additional coverage equal to policy limit for defense costs)
  • Firm/Franchise coverage
  • Prior acts covered from first date of continuous E&O coverage
  • — vs $10,000 (10X more protection)
  • — vs $5,000 (20X more protection)
  • — vs $5,000 (20X more protection)
  • — vs $5,000 (10X more protection)
  • — vs $2.5k (12X more protection)
  • — vs $2.5k (8X more protection)
  • — vs Extra Fee
  • — vs Extra Fee

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 (at least 20X more coverage)
  • Sellers Protection Plan to $25,000

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

CRES has specialized in real estate errors and omissions insurance for more than 25 years. As part of one of the largest insurance brokers in the world, we have access to more E&O options than just about anyone.

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.

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*Comparison as of 6-11-24 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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