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The Homestead Group E&O Insurance - Annual

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Homestead Group E&O Insurance

Protection You Can Trust. Coverage You Can Count On.

The Homestead Group’s Errors & Omissions (E&O) Insurance is designed to give our agents complete peace of mind while they serve their clients. This comprehensive professional liability coverage protects you from the unexpected—helping safeguard your business, your reputation, and your financial future.

Our E&O product is tailored specifically for real estate professionals, delivering the exact protection agents need without the confusing add-ons or inflated costs found elsewhere. Whether you’re a brand-new agent or a seasoned producer, our policy ensures you’re protected every step of the way.

What Our E&O Insurance Covers

  • Professional mistakes or oversights
    Coverage for unintentional errors in contracts, disclosures, guidance, or documentation.

  • Claims of negligence or misrepresentation
    Protects against accusations of giving incorrect advice during a real estate transaction.

  • Failure to perform professional duties
    Helps defend you if a client claims you didn’t meet expected standards of service.

  • Legal defense costs
    Attorney fees, court costs, and settlement assistance—even when claims are groundless.

  • Coverage across residential, commercial, and rental transactions
    Flexible protection for the full scope of real estate activities.

Why Agents Choose Homestead Group E&O

  • Low-cost policy built exclusively for Homestead agents
    No hidden fees, no inflated broker premiums.

  • Simple enrollment—no lengthy forms
    Automatically added to your onboarding package.

  • Strong carrier partners and reliable protection
    Backed by reputable insurers that understand the real estate industry.

  • Designed for agent success
    Coverage that empowers you to operate confidently and focus on closing deals—not worrying about liability.

Who Needs E&O Insurance?

Every real estate agent—new or experienced—benefits from professional liability protection. Even the most careful agents can face unexpected claims. Our E&O ensures you’re never facing them alone.

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The Homestead Group

Errors & Omissions Insurance Coverage

Professional liability protection built specifically for Homestead Group agents — strong coverage, low complexity, real peace of mind.

The Homestead Group's E&O Insurance provides comprehensive professional liability protection designed from the ground up for real estate professionals. It helps safeguard agents from unexpected claims while protecting their business, reputation, and financial future.

Our program delivers strong coverage without unnecessary complexity — giving agents the confidence to focus on serving clients and closing transactions.

Policy Highlights
$1,000,000
Per-claim coverage limit
$1,000,000
Aggregate limit for the policy period
$2,500
Retention (deductible) — kept low
$100,000
Bodily injury & property damage
$100,000
Pollution coverage limit
25
Permit history reports per term
What's Covered
Professional Services
Listing and sale of residential property
Listing and sale of commercial property
Leasing services for commercial property
Broker price opinions
Referral services
Residential property transaction coordination
Escrow and broker-held escrow services
Listing and sale of raw, vacant, or partially developed land
Included Extras
Seller's E&O included in policy
Agent-owned property coverage (expanded)
Regulatory compliance states coverage
Defense costs & legal representation — even for groundless claims
Discrimination defense coverage
Additional Coverage Features
⚖ Defense Costs & Legal Representation
Attorney fees and court expenses are covered — even when claims are completely groundless.
🛡 Discrimination Defense Coverage
Defense-only protection covering allegations of discrimination — keeping you protected across sensitive matters.
Why Agents Choose Homestead
🏠
Designed for Homestead Agents
Coverage built specifically for real estate professionals — not a generic policy adapted to fit.
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Affordable & Straightforward
Low retention, simple structure, and no unnecessary add-ons buried in fine print.
Backed by Experienced Providers
Reputable carriers specializing in professional liability — your protection is in expert hands.
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Confidence in Every Transaction
Operate knowing you have professional protection at your back — every deal, every client.
Who Needs E&O Insurance?
Every Agent Benefits from Protection

Even the most experienced real estate professionals can face unexpected claims related to contracts, disclosures, or client expectations. Homestead Group's E&O program ensures our agents have strong protection, professional support, and peace of mind — so they can focus on what matters most: serving clients and closing deals.

Note: This overview is for informational purposes and does not modify the terms of the policy. Refer to the official policy documents for full coverage details, exclusions, and conditions.

MethodEstimated DeliveryCost
Standard5–7 business daysFree

Returns accepted within 30 days for unworn items in original condition. Contact support@thehomestead.co.

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