StandardVerified Q1 2026
Source: Travelers — Real Estate Insurance
Travelers: Real Estate Insurance Appetite
Travelers handles real estate accounts well from small brokerages to mid-size property management firms. Their real estate E&O program is competitive, and they can bundle it with the BOP for a package discount. For large apartment portfolios, consider specialty habitational markets like QBE or Frankenmuth.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Commercial Property |
| Workers' Compensation |
| Professional Liability |
| Umbrella/Excess |
| Employment Practices Liability |
Premium Range
$3,000-$20,000
Typical annual premium
Target States
All 50 states
Key Features
- Professional liability (E&O) available for real estate agents and brokers
- Commercial property program for office buildings and small apartment portfolios
- EPLI coverage for agencies with independent contractor agents
- Umbrella capacity up to $25M for larger property management firms
Limitations
- Large habitational portfolios over 100 units need specialty habitational carriers
- Real estate developers with active construction need separate builders risk
- REITs and institutional real estate investment firms are outside standard appetite
Compare Other Carriers for Real Estate
Progressive CommercialStandard
$1,800-$10,000
CNAPreferred
$4,000-$25,000
HiscoxStandard
$600-$4,000
ERGO NEXT InsurancePreferred
$500-$3,000
The HartfordStandard
$2,500-$20,000
EMPLOYERS HoldingsStandard
$600-$4,000
AcuityStandard
$2,000-$12,000
Erie InsuranceStandard
$2,000-$10,000
biBERKPreferred
$1,000-$8,000
AmTrust Financial ServicesStandard
$1,500-$10,000
BTISPreferred
$2,000-$15,000
Pie InsuranceStandard
$500-$4,000
NationwidePreferred
$1,500-$12,000
Liberty MutualStandard
$2,000-$15,000
ChubbPreferred
$3,000-$25,000
Cincinnati FinancialStandard
$1,500-$12,000
Hanover InsuranceStandard
$1,500-$12,000
Auto-Owners InsuranceStandard
$1,200-$10,000
Guard Insurance GroupStandard
$1,200-$8,000
Markel CorporationStandard
$3,000-$20,000
Coterie InsuranceStandard
$500-$3,000
Selective Insurance GroupStandard
$3,000-$40,000
Kinsale Capital GroupStandard
$3,000-$40,000
InsureonStandard
$400-$5,000