Real Estate Insurance

Coverage built for agents, brokers, property managers, and investors operating across Florida's real estate market.

Industry Risks

The risks real estate professionals face

Florida's active real estate market creates significant exposure. These are the claims that catch real estate professionals off guard most often.

Risk 01

Transaction errors & omissions

A missed disclosure, miscommunicated detail, or contract dispute can result in a lawsuit even when you did nothing intentionally wrong. E&O insurance is your essential protection against these claims.

Risk 02

Tenant & visitor injuries

Property managers and landlords face liability whenever someone is injured on a managed property. Slip-and-falls, maintenance failures, and unsafe conditions can all lead to costly claims.

Risk 03

Loss of rental income

If a rental property becomes uninhabitable due to fire, storm, or other covered damage, landlord insurance with loss of rents coverage ensures you keep collecting income while repairs are made.

What We Cover

Covers claims arising from mistakes, omissions, or disputes in a real estate transaction. The most critical coverage for agents and brokers.

Covers third-party bodily injury and property damage — including incidents at open houses, showings, or managed properties.

Covers your office space, equipment, and business contents against fire, theft, storm damage, and other covered losses.

Covers investment and rental properties for dwelling damage, loss of rental income, and liability — separate from a standard home policy.

Required in Florida once you have employees. Covers your staff for on-the-job injuries at your office or managed properties.

Covers vehicles used for business purposes — driving clients to showings, property inspections, or site visits. Personal auto won't cover business use.

Why Industries Choose OakLine

Trusted guidance. Personalized coverage.

Long-term protection for what matters most.

Independent Advantage

We compare multiple carriers to help you find the right protection.

Personalized Advice

Every client has different needs. We tailor coverage to your goals.

Responsive Support

Questions, policy changes, and claims assistance when you need us.

Built for the Long Term

We focus on lasting relationships, not one-time sales.

Common Questions

Do real estate agents need E&O insurance in Florida?

Florida doesn't require E&O by law, but most brokerages require agents to carry it. More importantly, real estate transactions are complex — even minor errors can lead to expensive lawsuits. E&O is the most important coverage a real estate professional can have.

Is a landlord policy different from a homeowners policy?

Yes — a standard homeowners policy is designed for owner-occupied homes and typically excludes coverage when the property is rented out. A landlord policy (also called a dwelling fire policy) is built for rental properties and includes loss of rental income, liability for tenants, and coverage for the structure.

Does my personal auto cover driving clients to showings?

Not necessarily. If you're regularly using your personal vehicle for business purposes and have an accident while driving a client, your personal insurer could deny the claim. Commercial auto or a business-use endorsement on your personal policy closes that gap.

Can I insure multiple rental properties under one policy?

Yes. Investors with multiple properties can often package them under a single landlord or commercial property policy, which simplifies management and can reduce overall premiums. We work with carriers that specialize in rental property portfolios.

What coverage does a property manager need?

Property managers need E&O coverage for management errors (like failing to collect rent or maintain a property properly), General Liability for incidents at managed properties, and Workers' Comp if they have employees. We build property management packages that cover all three.