StandardVerified Q1 2026
Source: Coterie Insurance – Real Estate
Coterie Insurance: Real Estate Insurance Appetite
Coterie works for solo real estate agents and very small brokerages that need basic GL and BOP quickly. For property management firms, rental portfolios, or offices needing E&O + commercial property, use Guard, Hartford, or a specialty real estate program.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Professional Liability |
| Workers' Compensation |
Premium Range
$500-$3,000
Typical annual premium
Target States
48 states (availability varies, not all states for all products)
Key Features
- BOP for solo real estate agents and small brokerages
- Professional liability for real estate transaction errors
- Instant-issue for qualifying real estate offices
- Ultra-low minimums for new and solo agents
- Digital certificates for office lease compliance
Limitations
- No commercial property coverage for rental portfolios
- Larger brokerages and property management firms may exceed eligibility
- No umbrella or excess coverage available
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