Real estate is one of the most insurance-sensitive professions in the DC metro. A single disclosure dispute, slip-and-fall at a showing, tenant Fair Housing complaint, or wire-fraud incident can put years of commission income at risk. Capital Point Insurance places coverage for the full real estate ecosystem across Washington, DC, Maryland, and Virginia — agents, brokers, brokerages, landlords, property managers, and investors — with a multi-carrier independent approach that accounts for the specific exposures each role carries.
Who We Cover
Real estate work fragments into distinct insurance profiles. We place coverage for:
- Real estate agents and brokers — solo agents, teams, and full brokerages
- Property managers — both residential and commercial, fee-managed and owner-operated
- Landlords — single-property landlords through portfolio investors
- Real estate investors — fix-and-flip, buy-and-hold, multifamily, and short-term-rental operators
- Real estate developers — small-scale renovation through ground-up development
- Title companies, settlement agents, and ancillary service providers — through E&O and bond placements
Each profile needs a different coverage stack. The most common mistake we see is real estate professionals carrying personal insurance on what is actually business or investment activity — and discovering the gap only at claim time.
What Is Covers
Errors & Omissions (E&O) for Agents and Brokers
E&O is the foundational coverage for licensed real estate professionals. It responds to claims of negligent advice, failure to disclose material defects, agency disputes, contract errors, and misrepresentation of property facts. Most state and brokerage requirements set minimum limits of $1M per claim / $1M aggregate, but actual exposure for high-value DC-metro transactions often justifies $2M or higher. We compare E&O placement across multiple A-rated carriers and shop renewals annually.
Landlord and Rental Property Coverage
Standard homeowners insurance does not cover rental property. Landlords need a dwelling-fire (DP-3) policy for the structure plus liability coverage for tenant injuries, dog bites, swimming-pool exposures, and Fair Housing claims. For investors with multiple properties, a commercial package policy typically delivers better pricing and broader coverage than stacking individual landlord policies.
Property Management E&O and General Liability
Property managers operating on behalf of owners face a distinct exposure layer: contract disputes with owners, mishandling of trust accounts, tenant-screening claims, eviction-procedure errors, and habitability complaints. We place dedicated property management E&O alongside general liability for the management company itself.
Tenant Discrimination and Fair Housing Liability
The DC region — particularly the District of Columbia — has unusually active Fair Housing enforcement. Discrimination claims (which can arise from advertising language, screening criteria, or accommodation requests) are increasingly excluded or sub-limited on standard policies. Specific Fair Housing endorsements or stand-alone EPLI-style coverage close this gap for landlords, property managers, and brokerages.
Cyber Liability and Wire-Fraud Coverage
Real estate is a top target for wire-fraud schemes — the FBI’s Internet Crime Complaint Center consistently lists real estate as one of the highest-loss categories. A dedicated cyber liability policy with social engineering / fraudulent funds transfer coverage protects against the email-based fraud that targets settlement-day wire transfers. Many carriers now require this coverage in their standard agent-services contracts.
Investor and Developer Coverages
Investors face overlapping exposures most agents don’t: builder’s risk during renovations, vacant property coverage between tenants, rental-loss coverage during turnover, environmental liability (radon, mold, lead paint), and eventually general liability for the development entity. Short-term rental operators (Airbnb, VRBO) need specialty coverage that traditional landlord policies often exclude.
Why Capital Point
Real estate is one of those lines where the right placement depends on understanding both the legal landscape and the carrier landscape — and they change frequently. As an independent agency, we:
- Compare across multiple A-rated E&O carriers annually rather than locking you in
- Coordinate the coverage stack when an individual is wearing multiple hats (agent + landlord + LLC manager) so nothing falls through the gap
- Understand DC-region Fair Housing exposure and recommend carriers and endorsements that respond to it
- Help with broker pre-license and renewal compliance by ensuring required E&O limits are met and certificates are issued promptly
We work with everyone from new-license solo agents to multi-office brokerages and 50-property portfolios.
Frequently Asked Questions