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Real Estate Insurance

Save up to 30% with instant coverage
Real Estate Insurance

Get the real estate liability insurance you need to get the job done

Next Insurance is a one-stop shop for real estate business insurance

We’ll help you quickly get insurance online at an affordable price so you can get back to your next open house and helping your sellers and buyers close deals. 

Oh, and you’ll save 10% when you bundle two or more of our policies.

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We specialize in business insurance for real estate professionals

Choose your profession for more information or start an instant quote

Real Estate Agent, Property Manager, Mortgage Broker, Other,

Business insurance for real estate professionals has never been easier

Customized business insurance to protect you and your clients
Get covered in 10 minutes and save up to 30%
Coverage that grows with you and easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor
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Certificate of Insurance

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How much does insurance cost

How much does real estate insurance cost?

You can save up to 30% when you buy real estate insurance with Next. Whether you’re a property manager or interior designer, the exact amount you pay will depend on: 

  • The types of residential and commercial properties you work with
  • Where your clients’ properties are located
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work
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Take a few minutes to get an instant quote and see how much business insurance will cost.

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Dedicated small business insurance

Why do real estate professionals need business insurance?

Small business insurance offers you protection from a wide range of unexpected events and accidents, from a prospective buyer falling down the stairs during an open house to a crash involving your work vehicle

Having the right types of insurance for your real estate business means that you don’t have to pay out of pocket if an accident does occur. With the right coverage, you can do your work and focus on your job without worrying about those pesky “what if” scenarios.

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How real estate liability insurance protects your small business

Real estate liability insurance can help cover costs if you find yourself in the unfortunate situation of being accused of causing an injury or damaging property, or if someone says that your work mistake caused financial losses. 

We combine two types of liability insurance in our small business insurance packages:

General liability is often the basis of insurance coverage for real estate professionals. It protects you against expenses related to slip-and-fall accidents, damage to property that doesn’t belong to you and other risks.

Real Estate E&O (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of misrepresenting how much acreage a property includes, it could help cover related expenses to defend yourself. Real estate brokers will often require agents to carry E&O coverage.

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Other important business insurance coverage for real estate professionals

Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your employees, your vehicles and your business property.

We typically recommend: 

Workers' comp insurance
Workers’ Compensation for real estate agents

Workplace injuries happen more frequently than you might think, especially in your line of work. Workers’ comp can pay for injuries and illnesses that happen to you or your employees while on the job. Workers’ comp can also help to cover lost wages while you are recuperating

This coverage is required for businesses with employees in almost every state.

Learn more about workers’ comp.

Commercial auto insurance
Commercial Auto insurance 

You’ll need commercial auto insurance in most states if you own work vehicles that are titled to your business. 

You can use a commercial auto policy to insure your personal vehicle if you use that vehicle for your business, but you can’t apply your personal car insurance to your company car. So if you drive your own car to show properties or meet with clients, it probably won’t be covered under your personal car insurance. 

Learn more about commercial auto.

Commercial property insurance
Commercial Property insurance 

Real estate professionals who own or rent physical spaces will need property insurance to help protect business equipment, inventory and furniture. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs. 

Learn more about commercial property.

Frequently asked questions about real estate insurance

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.

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