Insurance for Real Estate Agents in Texas: What Every Realtor Needs

Texas has one of the hottest real estate markets in the country, and Houston is consistently ranked as one of the busiest metros for transactions. With that volume comes risk. As a licensed real estate agent in Texas, you need the right insurance to protect your license, your livelihood, and your clients.

The Two Essential Coverages for Texas Realtors

1. Errors & Omissions (E&O) Insurance

    E&O insurance — also called professional liability — is the most critical coverage for real estate agents. It protects you when a client claims you made a mistake that cost them money. Common E&O claims in Texas real estate include:

• Failing to disclose a material defect in a property

• Misrepresenting square footage, zoning, or flood zone status

• Missing a contract deadline that causes a deal to fall through

• Giving inaccurate advice about property values

    Many brokerages carry group E&O, but it may not fully protect you as an individual. Many agents carry their own policy in addition to their brokerage's coverage.
  

2. General Liability Insurance

    GL insurance covers you for bodily injury and property damage that occurs during your business activities. As a real estate agent, this matters most during:

• Open houses: If a visitor slips and falls on a property you're showing, GL covers the claim.

• Your home office: If clients visit your office and are injured, GL covers it.

• Property damage: If you accidentally damage a property while showing it (e.g., breaking a fixture), GL pays.

How Much Does Real Estate Agent Insurance Cost in Texas?

    General liability coverage for a solo real estate agent in Texas typically runs **$400–$800 per year**. E&O coverage varies significantly by your transaction volume and coverage limit, but solo agents typically pay **$500–$1,500 per year**.

Get GL Coverage Instantly Through Argo + Thimble

    Through Argo's partnership with Thimble, licensed Texas real estate agents and agencies can get an instant general liability quote online — no long applications, no waiting for callbacks. Get covered today and download your certificate of insurance immediately.

For E&O coverage or a full commercial package, call Argo Insurance at (346) 241-0000 — we work with multiple commercial carriers to find the right fit. Or start with GL coverage at our small business insurance page.