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

Deadline to Renew: December 31, 2020

Starts at just:


a savings of $24* vs. the state plan

Plus these included CRES Exclusives:

  • Pre-Claim Legal 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 coverage in the Iowa state E&O plan.

8 to 20 Times the Protection for Specific-to-Real-Estate Risks

CRES Real Estate E&O          versus  State Program
$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
$20,000 – $50,000 Disciplinary Hearings coverage (8x the coverage!) $2.5k/$5k
Sale of Agent-Owned vacation/rentals to fourplex State Plan has primary residence (or charges $30 for other)

Now, one rate covers all activities for which a 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.

  • Now includes team/non-licensed coverage.
  • Conformity Endorsement coverage – if you are 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.


CRES is a FAR better protection option than the State program for most licensees in Iowa — and has been for more than 20 years.

As required by IPLB, our policies cover all real estate activities requiring a license.  We can cover your appraisal activities under a separate E&O plan (see the links below).

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

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Individual appraiser policy          Appraisal firm policy

*Comparison as of 10-15-20 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

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
Defense Outside Limits Add $8
Cyber Liability Expanded Coverage Add $35

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