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Iowa Real Estate Errors and Omissions Insurance

8 to 20 Times More Protection — from $116

Renew by December 31, 2021

  • Guaranteed to meet or exceed 100% of Iowa requirements
  • With Pre-Claim Expert Legal Services 7 days a week
CRES Iowa Real Estate E&O                              versus  State Group Policy
$100,000/$500,000 limits $100k/$100k
Pre-Claim Legal Services 7 days a week No help pre-claim with State Plan
$100,000 Lock Box Property Damage (20x the coverage!) $5k/$10k
$100,000 Pollution/Environmental/Mold (10x the coverage!) $10k/$20k
$50,000 Cyber coverage (10x the coverage!) $5k
$30,000 Subpoena coverage (12x the coverage!) $2.5k/$2.5k
$20,000 – $50,000 Disciplinary Hearings coverage (8x the coverage!) $2.5k/$5k
Sale of Agent-Owned vacation/rentals to fourplex (with requirements) State Plan: primary residence only with conditions

Now, one low rate covers all activities for which a real estate license is required!

Your CRES Real Estate E&O + ClaimPrevent® includes Pre-Claim Legal Services 7 days a week.  Local expert real estate attorneys can address questions, write or review letters and addendums, review contracts, and more — to help you actually PREVENT claims. Get a guaranteed response within 4 hours or by next business day, with recommendations confirmed in writing!

And CRES E&O is guaranteed to meet or exceed all Iowa state requirements.

  • Includes team/non-licensed coverage.
  • Conformity Endorsement coverage — if you’re an Iowa resident, this endorsement amends your Iowa policy to conform to E&O requirements of other states where you hold a valid real estate license.
  • PLUS, our Iowa E&O has ALWAYS included Firm and Franchise coverage, and Prior Acts coverage for as long as you’ve maintained continuous E&O coverage.

Optional Coverage

Seller’s E&O Protection Plan. Add this to your policy and give every potential seller this unique protection to help you win listings – just $5

$100,000 Open House and Showings coverage – just $8

Fair Housing/Discrimination Damages and Defense to policy limits ($500,000) – just $8

$500,000 Environmental/Pollution (including mold) – just $4

Defense Costs Outside the Limits – just $8

Enjoy Incredibly Extensive Coverage — and Valuable Extras 

CRES is a FAR better protection option than the state group policy for most licensees in Iowa — and has been for more than 25 years.

As required by IPLB, our policies cover all real estate activities requiring a license.  We can cover your appraisal and transaction coordination activities under separate E&O plans.

You may be eligible even if you have past complaints or claims. Enrolling online is now faster and easier.

*Comparison as of 10-6-21 based on base policy cost for licensees performing activities requiring a license. Read each policy for a full comparison of coverage and benefits. Certain restrictions apply. All coverage is subject to Underwriting and other qualifications.

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