Iowa Real Estate Errors & Omissions (E&O) Insurance

Deadline to Renew: December 31, 2019

Starts at just:


a savings of $37* vs. the state program.

Enjoy these included CRES Exclusives:

  • 5 Times the Coverage Per Claim — $500,000/$500,000 Limits
  • 8 to 100 Times the Coverage in 5 key areas
  • Legal Advisory Services — access to on-call local attorneys 7 days a week for questions, letters, contract review
  • 25 Free Building Permit History Reports each year

Guaranteed to meet all state requirements – and far EXCEED what the Iowa state E&O program includes. Why?  Because real estate professionals face unique risks – and we’ve learned how to best protect you from over 20 years of experience.

5 Times the Coverage Per Claim – 8 to 100 Times the Protection in These Key Areas

CRES State Program
$500,000/$500,000 limits $100k/$100k
Legal Advisory Services included 7 days a week No help pre-claim
$500,000 policy limit for Lock Box Property Damage $5k/$10k
$100,000 Pollution/Environmental/Mold Not included
$50,000 Cyber coverage $5k
$30,000 Subpoena coverage $2.5k
$20,000 – $50,000 Disciplinary Hearings coverage $2.5k
Agent-Owned SFRs to fourplex Primary residence only

Plus you’ll gain more listings and boost commissions by adding Seller’s E&O — invest just an additional $5. Your first additional listing will pay for your entire year’s Iowa E&O!

  • Get 5 times the individual claim coverage to $500,000 (over the state program)! Plus $400,000 MORE coverage than the state program for all claims for the year.  (This same $500,000 coverage costs $164 more with the state program!)
  • Plus Legal Advisory Services 7 days a week to address issues and help prevent them from turning into claims and lawsuits.  Get a guaranteed response within 4 hours or by next business day, with recommendations confirmed in writing!
  • Lock Box Property Damage to your policy limit (the state covers $5k per claim) – that’s 100 times the coverage!
  • $100,000 (or most recent sales price, whichever is less) in Pollution/Environmental/Mold coverage — the state doesn’t even include this, yet claims for mold are rising.
  • $50,000 Cyber coverage for client notification costs due to a data/security  breach (the state covers only $5k). Individual agents are being targeted by hackers and scammers, and we want you to be protected.
  • $30,000 in Subpoena coverage – versus $2.5k per incident – 12 times the coverage!
  • $20,000-$50,000 per enrollment period for Disciplinary Proceedings assistance – versus $2.5k – at least 8 times the coverage!
  • Agent-Owned Property coverage for SFRs up to fourplex – versus only your primary residence.
  • Conformity Endorsement coverage – if you are a 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 policies have ALWAYS included Firm and Franchise coverage, Prior Acts coverage for as long as you’ve maintained continuous E&O coverage, and coverage for ALL activities that require a license.


CRES is a FAR better protection option than the State program for most licensees in Iowa. We know the risks when you primarily perform residential real estate services – that’s why we include SIGNIFICANTLY MORE coverage than the Iowa state program.

Your CRES Real Estate E&O + ClaimPrevent® policy includes our Legal Hotline 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.

You may be eligible even if you have past complaints or claims.

Only pay for what you do. As required by IPLB, our policies cover all real estate activities requiring a license. Our base pricing is for Residential services. If you have received compensation for Commercial services in the past 12 months just add $24.

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Individual appraiser policy          Appraisal firm policy

*Comparison as of 10-30-18 based on base policy cost for licensees performing activities requiring a license. Read each policy for a full comparison of coverage and benefits. All coverage is subject to Underwriting and other qualifications.

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Low Cost Optional Coverage

Defense Outside Limits Add $8
Seller’s E&O Coverage Add $5
Open House/Showings Liability Add $8
Pollution/Environmental Coverage ($500K) Add $4
Fair Housing/Discrim. Defense & Damages Add $8
Increase Limits to $1M/$1M Liability Add $16
Appraisers Add $8
Mortgage Brokering Add $4
Cyber Liability Expanded Coverage Add $35

CRES vs. State Program

Watch our video to learn why you get more for less with CRES. Watch our video to learn why you get more for less with CRES.

Video Transcript

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